West Coast Community Bancorp (WCCB)
Market Price (11/6/2026): $62.46 | Market Cap: $657.4 MilSector: Financials | Industry: Regional Banks
West Coast Community Bancorp (WCCB)
Market Price (11/6/2026): $62.46Market Cap: $657.4 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.0% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -82% Low stock price volatilityVol 12M is 12% Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships. | Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.2%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 4.0% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -82% |
| Low stock price volatilityVol 12M is 12% |
| Megatrend and thematic driversMegatrends include Community Financial Services. Themes include Local Lending & Deposit Services, Small Business Banking, and Personalized Client Relationships. |
| Trading close to highsDist 52W High is -1.7%, Dist 3Y High is -1.7% |
Qualitative Assessment
AI Analysis | Feedback
Updated on 11/1/2026
West Coast Community Bancorp (WCCB) stock has gained about 15% since 7/31/2026 because of the following key factors:
1. Exceptional Fiscal Q3 2026 Financial Performance. West Coast Community Bancorp reported a substantial increase in its fiscal Q3 2026 (ended September 30, 2026) net income, rising 37.7% quarter-over-quarter to $16.7 million, with diluted earnings per share (EPS) growing to $1.59 from $1.16 in fiscal Q2 2026. The company's adjusted EPS of $1.50 significantly surpassed the Zacks Consensus Estimate of $1.35 by approximately 11%, and revenue of $38.41 million also exceeded consensus expectations. This strong performance was driven by a 12.0% sequential increase in net interest income to $37.1 million, robust loan growth of $65.6 million (2.9%) from June 30, 2026, and a 1.3% rise in deposits to $2.56 billion. The taxable equivalent net interest margin also improved to 5.20% for fiscal Q3 2026, up from 4.92% in the prior quarter. Additionally, results included a $920,000 tax benefit from renewable energy tax credits, contributing approximately $0.09 to EPS.
2. Strategic Growth Initiatives and Enhanced Market Visibility. The company expanded its physical presence and service offerings during the period. West Coast Community Bank opened new full-service branches in San Mateo, marking its 11th location, and in downtown San Jose. Concurrently, WCCB launched a new Private Banking Division to offer customized deposit solutions, business and commercial real estate lending, and treasury management services. Furthermore, West Coast Community Bancorp elevated its market profile by uplisting to the Nasdaq Stock Market on September 15, 2026, an event celebrated by ringing the Nasdaq Closing Bell on October 14, 2026, which is expected to increase the stock's visibility and liquidity.
Show more
West Coast Community Bancorp (WCCB) stock has gained about 15% since 7/31/2026 because of the following key factors:
1. Exceptional Fiscal Q3 2026 Financial Performance. West Coast Community Bancorp reported a substantial increase in its fiscal Q3 2026 (ended September 30, 2026) net income, rising 37.7% quarter-over-quarter to $16.7 million, with diluted earnings per share (EPS) growing to $1.59 from $1.16 in fiscal Q2 2026. The company's adjusted EPS of $1.50 significantly surpassed the Zacks Consensus Estimate of $1.35 by approximately 11%, and revenue of $38.41 million also exceeded consensus expectations. This strong performance was driven by a 12.0% sequential increase in net interest income to $37.1 million, robust loan growth of $65.6 million (2.9%) from June 30, 2026, and a 1.3% rise in deposits to $2.56 billion. The taxable equivalent net interest margin also improved to 5.20% for fiscal Q3 2026, up from 4.92% in the prior quarter. Additionally, results included a $920,000 tax benefit from renewable energy tax credits, contributing approximately $0.09 to EPS.
2. Strategic Growth Initiatives and Enhanced Market Visibility. The company expanded its physical presence and service offerings during the period. West Coast Community Bank opened new full-service branches in San Mateo, marking its 11th location, and in downtown San Jose. Concurrently, WCCB launched a new Private Banking Division to offer customized deposit solutions, business and commercial real estate lending, and treasury management services. Furthermore, West Coast Community Bancorp elevated its market profile by uplisting to the Nasdaq Stock Market on September 15, 2026, an event celebrated by ringing the Nasdaq Closing Bell on October 14, 2026, which is expected to increase the stock's visibility and liquidity.
Show more
Updated on 11/1/2026
West Coast Community Bancorp (WCCB) stock has gained about 15% since 7/31/2026 because of the following key factors:
1. Exceptional Fiscal Q3 2026 Financial Performance. West Coast Community Bancorp reported a substantial increase in its fiscal Q3 2026 (ended September 30, 2026) net income, rising 37.7% quarter-over-quarter to $16.7 million, with diluted earnings per share (EPS) growing to $1.59 from $1.16 in fiscal Q2 2026. The company's adjusted EPS of $1.50 significantly surpassed the Zacks Consensus Estimate of $1.35 by approximately 11%, and revenue of $38.41 million also exceeded consensus expectations. This strong performance was driven by a 12.0% sequential increase in net interest income to $37.1 million, robust loan growth of $65.6 million (2.9%) from June 30, 2026, and a 1.3% rise in deposits to $2.56 billion. The taxable equivalent net interest margin also improved to 5.20% for fiscal Q3 2026, up from 4.92% in the prior quarter. Additionally, results included a $920,000 tax benefit from renewable energy tax credits, contributing approximately $0.09 to EPS.
2. Strategic Growth Initiatives and Enhanced Market Visibility. The company expanded its physical presence and service offerings during the period. West Coast Community Bank opened new full-service branches in San Mateo, marking its 11th location, and in downtown San Jose. Concurrently, WCCB launched a new Private Banking Division to offer customized deposit solutions, business and commercial real estate lending, and treasury management services. Furthermore, West Coast Community Bancorp elevated its market profile by uplisting to the Nasdaq Stock Market on September 15, 2026, an event celebrated by ringing the Nasdaq Closing Bell on October 14, 2026, which is expected to increase the stock's visibility and liquidity.
3. Increased Shareholder Returns and Strong Analyst Sentiment. Demonstrating confidence in its future performance, the Bancorp's Board of Directors declared an increased quarterly cash dividend of $0.29 per common share, a $0.04 per share increase over the previous quarter, payable on or about November 6, 2026. This positive signal to investors was reinforced by consistent "Strong Buy" or "Moderate Buy" ratings from analysts, with average price targets ranging from $67.00 to $75.00, suggesting further upside potential for the stock.
4. Favorable Regional Banking Sector Trends. The broader regional banking sector experienced positive tailwinds during this period, which benefited WCCB. Between year-end 2025 and August 24, 2026, publicly-traded banks generally saw a median share price appreciation of 20%, outperforming the S&P 500 and Nasdaq indices. Higher interest rates have acted as a near-term advantage for regional bank portfolios, enabling wider net interest margins by allowing banks to lend at higher rates while maintaining relatively low funding costs.
Show less
West Coast Community Bancorp (WCCB) stock has gained about 15% since 7/31/2026 because of the following key factors:
1. Exceptional Fiscal Q3 2026 Financial Performance. West Coast Community Bancorp reported a substantial increase in its fiscal Q3 2026 (ended September 30, 2026) net income, rising 37.7% quarter-over-quarter to $16.7 million, with diluted earnings per share (EPS) growing to $1.59 from $1.16 in fiscal Q2 2026. The company's adjusted EPS of $1.50 significantly surpassed the Zacks Consensus Estimate of $1.35 by approximately 11%, and revenue of $38.41 million also exceeded consensus expectations. This strong performance was driven by a 12.0% sequential increase in net interest income to $37.1 million, robust loan growth of $65.6 million (2.9%) from June 30, 2026, and a 1.3% rise in deposits to $2.56 billion. The taxable equivalent net interest margin also improved to 5.20% for fiscal Q3 2026, up from 4.92% in the prior quarter. Additionally, results included a $920,000 tax benefit from renewable energy tax credits, contributing approximately $0.09 to EPS.
2. Strategic Growth Initiatives and Enhanced Market Visibility. The company expanded its physical presence and service offerings during the period. West Coast Community Bank opened new full-service branches in San Mateo, marking its 11th location, and in downtown San Jose. Concurrently, WCCB launched a new Private Banking Division to offer customized deposit solutions, business and commercial real estate lending, and treasury management services. Furthermore, West Coast Community Bancorp elevated its market profile by uplisting to the Nasdaq Stock Market on September 15, 2026, an event celebrated by ringing the Nasdaq Closing Bell on October 14, 2026, which is expected to increase the stock's visibility and liquidity.
3. Increased Shareholder Returns and Strong Analyst Sentiment. Demonstrating confidence in its future performance, the Bancorp's Board of Directors declared an increased quarterly cash dividend of $0.29 per common share, a $0.04 per share increase over the previous quarter, payable on or about November 6, 2026. This positive signal to investors was reinforced by consistent "Strong Buy" or "Moderate Buy" ratings from analysts, with average price targets ranging from $67.00 to $75.00, suggesting further upside potential for the stock.
4. Favorable Regional Banking Sector Trends. The broader regional banking sector experienced positive tailwinds during this period, which benefited WCCB. Between year-end 2025 and August 24, 2026, publicly-traded banks generally saw a median share price appreciation of 20%, outperforming the S&P 500 and Nasdaq indices. Higher interest rates have acted as a near-term advantage for regional bank portfolios, enabling wider net interest margins by allowing banks to lend at higher rates while maintaining relatively low funding costs.
Show less
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Stock Movement Drivers
Fundamental Drivers
The 14.5% change in WCCB stock from 7/31/2026 to 11/5/2026 was primarily driven by a 14.5% change in the company's P/E Multiple.| (LTM values as of) | 7312026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 54.50 | 62.40 | 14.5% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 143 | 143 | 0.0% |
| Net Income Margin (%) | 37.1% | 37.1% | 0.0% |
| P/E Multiple | 10.7 | 12.2 | 14.5% |
| Shares Outstanding (Mil) | 10 | 10 | 0.0% |
| Cumulative Contribution | 14.5% |
Market Drivers
7/31/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| WCCB | 14.5% | |
| Market (SPY) | -1.9% | 9.2% |
| Sector (XLF) | 1.0% | 2.9% |
Fundamental Drivers
The 26.6% change in WCCB stock from 4/30/2026 to 11/5/2026 was primarily driven by a 28.5% change in the company's P/E Multiple.| (LTM values as of) | 4302026 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 49.31 | 62.40 | 26.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 143 | 143 | 0.1% |
| Net Income Margin (%) | 37.7% | 37.1% | -1.5% |
| P/E Multiple | 9.5 | 12.2 | 28.5% |
| Shares Outstanding (Mil) | 10 | 10 | -0.1% |
| Cumulative Contribution | 26.6% |
Market Drivers
4/30/2026 to 11/5/2026| Return | Correlation | |
|---|---|---|
| WCCB | 26.6% | |
| Market (SPY) | 2.3% | 7.3% |
| Sector (XLF) | 10.7% | 6.0% |
Fundamental Drivers
The 55.8% change in WCCB stock from 10/31/2025 to 11/5/2026 was primarily driven by a 26.8% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 40.05 | 62.40 | 55.8% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 138 | 143 | 3.1% |
| Net Income Margin (%) | 29.2% | 37.1% | 26.8% |
| P/E Multiple | 10.4 | 12.2 | 17.8% |
| Shares Outstanding (Mil) | 10 | 10 | 1.1% |
| Cumulative Contribution | 55.8% |
Market Drivers
10/31/2025 to 11/5/2026| Return | Correlation | |
|---|---|---|
| WCCB | 55.8% | |
| Market (SPY) | 8.4% | 15.4% |
| Sector (XLF) | 11.1% | 11.7% |
Fundamental Drivers
The 160.4% change in WCCB stock from 10/31/2023 to 11/5/2026 was primarily driven by a 120.7% change in the company's P/E Multiple.| (LTM values as of) | 10312023 | 11052026 | Change |
|---|---|---|---|
| Stock Price ($) | 23.96 | 62.40 | 160.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 84 | 143 | 70.0% |
| Net Income Margin (%) | 43.3% | 37.1% | -14.4% |
| P/E Multiple | 5.5 | 12.2 | 120.7% |
| Shares Outstanding (Mil) | 8 | 10 | -19.0% |
| Cumulative Contribution | 160.4% |
Market Drivers
10/31/2023 to 11/5/2026| Return | Correlation | |
|---|---|---|
| WCCB | 160.4% | |
| Market (SPY) | 81.3% | 10.8% |
| Sector (XLF) | 85.5% | 14.2% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| WCCB Return | 28% | 8% | 22% | 41% | 8% | 45% | 269% |
| Peers Return | 34% | 4% | 23% | 17% | 12% | 24% | 177% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 12% | 105% |
Monthly Win Rates [3] | |||||||
| WCCB Win Rate | 42% | 58% | 67% | 67% | 67% | 64% | |
| Peers Win Rate | 47% | 40% | 52% | 50% | 52% | 69% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 45% | |
Max Drawdowns [4] | |||||||
| WCCB Max Drawdown | -11% | -19% | -18% | -9% | -8% | -5% | |
| Peers Max Drawdown | -13% | -22% | -33% | -20% | -21% | -13% | |
| S&P 500 Max Drawdown | -5% | -25% | -10% | -8% | -19% | -9% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: CWBC, PLBC, BCAL, PBAM, BANC.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 11/5/2026 (YTD)
How Low Can It Go
WCCB has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2025 US Tariff Shock | ||
| % Loss | -15.5% | -18.8% |
| % Gain to Breakeven | 18.4% | 23.1% |
| Time to Breakeven | 80 days | 79 days |
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -10.7% | -9.5% |
| % Gain to Breakeven | 12.0% | 10.5% |
| Time to Breakeven | 26 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -16.1% | -6.7% |
| % Gain to Breakeven | 19.1% | 7.1% |
| Time to Breakeven | 270 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -19.7% | -19.2% |
| % Gain to Breakeven | 24.5% | 23.8% |
| Time to Breakeven | 123 days | 105 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
WCCB has limited trading history. Below is the Financials sector ETF (XLF) in its place.
| Event | XLF | S&P 500 |
|---|---|---|
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -22.3% | -24.5% |
| % Gain to Breakeven | 28.6% | 32.4% |
| Time to Breakeven | 467 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -42.8% | -33.7% |
| % Gain to Breakeven | 74.8% | 50.9% |
| Time to Breakeven | 289 days | 140 days |
| 2015-2016 China Devaluation / Global Growth Scare | ||
| % Loss | -21.4% | -12.2% |
| % Gain to Breakeven | 27.3% | 13.9% |
| Time to Breakeven | 272 days | 62 days |
| 2011 US Debt Ceiling Crisis & European Contagion | ||
| % Loss | -26.1% | -17.9% |
| % Gain to Breakeven | 35.3% | 21.8% |
| Time to Breakeven | 162 days | 123 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -78.3% | -53.4% |
| % Gain to Breakeven | 359.8% | 114.4% |
| Time to Breakeven | 2329 days | 1085 days |
In The Past
State Street Financial Select Sector SPDR ETF's stock fell -15.5% during the 2025 US Tariff Shock. Such a loss loss requires a 18.4% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
Peer Outperformance in Regional Banks
WCCB has outperformed 95% of its 262 Regional Banks peers over 5Y. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
Share of Regional Banks constituents that WCCB has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
1Y
90%
of 281 industry peers · 54.7% return
3Y
93%
of 273 industry peers · 153.3% return
5Y
95%
of 262 industry peers · 170.6% return
No Regional Banks peer with a comparable growth profile has beaten WCCB by more than 20pp over 5Y.
Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is WCCB's own industry. Use this to see which corners of the sector have carried the returns.
| Industry | Names | 1Y med | 3Y med | 5Y med | Top 3 by 5Y |
|---|---|---|---|---|---|
| Reinsurance | 6 | 33.1% | 75.7% | 125.1% | SPNT 168% · RGA 162% · RNR 141% |
| Investment Banking & Brokerage | 13 | -3.9% | 89.1% | 93.1% | IBKR 305% · SNEX 152% · GS 141% |
| Diversified Banks | 12 | 30.0% | 140.4% | 90.3% | CM 144% · RY 129% · JPM 127% |
| Life & Health Insurance | 20 | 14.3% | 52.3% | 75.4% | JXN 514% · UNM 224% · FG 188% |
| Property & Casualty Insurance | 42 | 18.9% | 76.8% | 66.8% | TRV 178% · PGR 172% · ACGL 168% |
| Multi-Sector Holdings | 3 | 10.1% | 53.8% | 59.4% | BRK-B 99% · VOYA 59% · JEF 37% |
| Multi-line Insurance | 9 | 9.5% | 71.4% | 59.4% | AIZ 105% · GNW 104% · L 98% |
| Regional Banks ← | 263 | 30.0% | 87.5% | 46.7% | CBC 268% · FCNCA 176% · NIC 136% |
| Insurance Brokers | 15 | 5.5% | 13.4% | 33.4% | LIFE 287% · ARX 89% · WTW 56% |
| Financial Exchanges & Data | 15 | 20.6% | 37.2% | 27.9% | CBOE 183% · VIRT 131% · CME 71% |
| Asset Management & Custody Banks | 83 | -5.9% | 22.8% | 12.3% | VCTR 210% · AAMI 207% · WT 205% |
| Consumer Finance | 30 | 2.9% | 81.0% | 8.1% | ENVA 330% · FCFS 130% · ECPG 111% |
| Commercial & Residential Mortgage Finance | 14 | -46.5% | 36.8% | 2.5% | FNMA 327% · FMCC 293% · ACT 158% |
| Diversified Financial Services | 4 | -1.6% | 20.1% | -1.1% | FRHC 153% · EQH 71% |
| Specialized Finance | 3 | 15.8% | 31.5% | -19.7% | HASI -20% · CACC -24% |
| Transaction & Payment Processing Services | 17 | 19.3% | 9.1% | -29.4% | V 103% · MA 94% · CPAY 83% |
| Mortgage REITs | 35 | -18.0% | -6.1% | -37.2% | RITM 36% · DX 17% · AGNC 10% |
| Diversified Capital Markets | 20 | -47.1% | -8.5% | -70.1% | LPLA 83% · TW 38% · RIOT -53% |
Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 44.27 |
| Mkt Cap | 0.7 |
| Rev LTM | 152 |
| Op Inc LTM | - |
| FCF LTM | 54 |
| FCF 3Y Avg | 37 |
| CFO LTM | 57 |
| CFO 3Y Avg | 41 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 14.1% |
| Rev Chg 3Y Avg | 18.2% |
| Rev Chg Q | 3.9% |
| QoQ Delta Rev Chg LTM | 1.0% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 36.2% |
| CFO/Rev 3Y Avg | 27.4% |
| FCF/Rev LTM | 35.6% |
| FCF/Rev 3Y Avg | 25.4% |
Price Behavior
Price Behavior
| Market Price | $62.40 | |
| Market Cap ($ Bil) | 0.6 | |
| Distance from 52W High | -1.7% | |
| 50 Days | 200 Days | |
| DMA Price | $59.85 | $51.81 |
| DMA Trend | up | up |
| Distance from DMA | 4.3% | 20.5% |
| 3M | 1YR | |
| Volatility | 17.5% | 12.0% |
| Downside Capture | -58.94 | -21.93 |
| Upside Capture | 33.15 | 35.01 |
| Correlation (S&P 500) | -4.3% | 11.3% |
WCCB Betas & Captures as of 10/31/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.22 | -0.03 | -0.04 | 0.00 | 0.11 | -0.03 |
| Up Beta | 1.40 | -0.25 | 0.11 | -0.06 | 0.19 | -0.10 |
| Down Beta | -0.10 | -0.16 | -0.22 | 0.01 | 0.09 | -0.23 |
| Up Capture | 74% | 72% | 31% | 27% | 27% | 3% |
| Bmk +ve Days | 12 | 18 | 28 | 62 | 130 | 427 |
| Stock +ve Days | 15 | 28 | 32 | 66 | 127 | 174 |
| Down Capture | -5% | -90% | -59% | -42% | -31% | -14% |
| Bmk -ve Days | 10 | 25 | 36 | 64 | 121 | 325 |
| Stock -ve Days | 6 | 12 | 22 | 36 | 69 | 120 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 54.5% | 12.2% | 3.51 | - |
| Sector ETF (XLF) | 11.1% | 15.2% | 0.47 | 10.0% |
| Equity (SPY) | 9.5% | 13.6% | 0.41 | 15.6% |
| Gold (GLD) | 3.6% | 28.7% | 0.11 | 4.1% |
| Commodities (DBC) | 37.7% | 21.2% | 1.40 | 1.8% |
| Real Estate (VNQ) | 12.0% | 14.2% | 0.55 | 7.0% |
| Bitcoin (BTCUSD) | -20.8% | 43.3% | -0.42 | 1.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 29.4% | 16.3% | 1.91 | - |
| Sector ETF (XLF) | 9.1% | 18.4% | 0.36 | 16.5% |
| Equity (SPY) | 11.3% | 17.3% | 0.48 | 11.3% |
| Gold (GLD) | 17.5% | 19.1% | 0.74 | 0.8% |
| Commodities (DBC) | 8.0% | 19.6% | 0.29 | 5.3% |
| Real Estate (VNQ) | 1.2% | 18.9% | -0.05 | 10.1% |
| Bitcoin (BTCUSD) | 5.9% | 51.5% | 0.29 | 0.2% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with WCCB | |
|---|---|---|---|---|
| WCCB | 25.3% | 25.9% | 1.39 | - |
| Sector ETF (XLF) | 13.3% | 22.1% | 0.54 | 22.1% |
| Equity (SPY) | 14.9% | 18.0% | 0.70 | 14.0% |
| Gold (GLD) | 12.0% | 16.5% | 0.59 | -0.8% |
| Commodities (DBC) | 7.6% | 18.1% | 0.33 | 9.4% |
| Real Estate (VNQ) | 5.7% | 20.7% | 0.23 | 17.4% |
| Bitcoin (BTCUSD) | 61.3% | 66.2% | 1.01 | 8.9% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Updated 11/5/2026| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/27/2026 | -0.2% | 0.2% | |
| SUMMARY STATS | |||
| # Positive | 0 | 1 | 0 |
| # Negative | 1 | 0 | 0 |
| Median Positive | 0.2% | ||
| Median Negative | -0.2% | ||
| Max Positive | 0.2% | ||
| Max Negative | -0.2% | ||
| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 10/27/2026 | -0.2% | 0.2% | |
| SUMMARY STATS | |||
| # Positive | 0 | 1 | 0 |
| # Negative | 1 | 0 | 0 |
| Median Positive | 0.2% | ||
| Median Negative | -0.2% | ||
| Max Positive | 0.2% | ||
| Max Negative | -0.2% | ||
Industry Resources
| Financials Resources |
| Federal Reserve Economic Data |
| Federal Reserve |
| FDIC Data |
| American Banker |
| The Banker |
| Banking Technology |
| Regional Banks Resources |
| Bank Director |
| Independent Banker |
| S&P Global Market Intelligence |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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Core Cache Last Updated: 11/5/2026