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West Coast Community Bancorp (WCCB)

Featured in High-Growth Small-Cap Stocks Small-Cap Stocks

West Coast Community Bancorp is a common stock listing on OTC Markets and is classified as common equity. The company serves as the bank holding company for Santa Cruz County Bank, which provides banking services to individuals and businesses in the United States. Its product range includes deposit accounts such as checking, savings, money market, health savings, and retirement-related accounts, along with certificates of deposit and retirement plans. The company also supports lending needs through commercial, real estate, construction, asset-based, agricultural, and wine industry loans, as well as SBA, 504, business and industry, and farm services agency lending. Additional services include merchant services, bill payment, treasury management, remote deposit capture, cards, and digital banking tools. West Coast Community Bancorp was founded in 2004 and is based in Santa Cruz, California.


Stock Summary Fair Value Profitability & Growth Quality & Risk Events & Dividends Technical Outlook FAQ

Jump between the core stock analysis sections, valuation data, fair value models, technical outlook, and FAQ.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Upcoming Dividend Ex-Date Dividend Payment Date Upcoming Dividend Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Enterprise Value Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
OTC-WCCB
$67.31
22.5% Upside
Undervalued
$57
3.7% Upside
Fair
Great
August 4, 2026
August 10, 2026
0.96
1.8%
July 28, 2026
10.7x
1.5x
4.2x
572.4 M
—
1.4%
91.0%
-1.5
—
91.5%
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Valuation • Fair Value

West Coast Community Bancorp (OTC-WCCB) Fair Value by Valuation Model

Compare the primary fair value estimate for West Coast Community Bancorp (OTC-WCCB) with model-based valuation references such as DCF, Ben Graham, DDM, EPV and comparable-company valuation.

Primary Valuation Read

Fair Value

$67.31

Estimated upside of 22.5% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

DCF Fair Value

NM

Discounted cash flow valuation reference.

Ben Graham Formula Value

$56.77

Classic Ben Graham valuation formula reference.

DDM Fair Value

$101.22

Dividend discount model valuation reference.

EPV Fair Value

NM

Earnings power value estimate.

Comps Fair Value

$44.71

Comparable-company valuation reference.

Analyst Price Target

$57

Analysts imply upside of 3.7%.

How to read these valuation models

Use this section to compare the primary fair value estimate for West Coast Community Bancorp (OTC-WCCB) with several model-based valuation references. Different models can produce different outputs because each method relies on a different set of assumptions, so the primary fair value estimate should be read alongside the model spread rather than in isolation.

Profitability • Growth

Profitability & Growth for West Coast Community Bancorp (OTC-WCCB)

A compact read on revenue, forward revenue expectations, EBITDA and operating profitability trends.

Revenue

137.5 M

Current operating scale indicator.

Revenue Forecast

147.4 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

EBITDA Forecast

Not available

Data is currently unavailable.

How to read profitability and growth

This section helps investors review West Coast Community Bancorp (OTC-WCCB) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for West Coast Community Bancorp (OTC-WCCB)

Review financial health, earnings quality and balance-sheet risk through Piotroski, Beneish, Altman and cash conversion metrics.

Financial Health

Great

Positive financial-health read.

Piotroski Score

5

Mid-range quality score.

Beneish M-Score

NM

Forensic accounting screen.

Altman Z-Score

-1.5

Lower score that deserves closer risk review.

FCF / Net Income

91.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for West Coast Community Bancorp (OTC-WCCB). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for West Coast Community Bancorp (OTC-WCCB)

Track the next earnings date, ex-dividend date, dividend payment date, dividend yield and upcoming distribution details where available.

Next Earnings Date

July 28, 2026

Days to Earnings

7

Dividend Payment Date

August 10, 2026

Ex-Dividend Date

August 4, 2026

Dividend Yield

1.8%

Income yield reference.

Upcoming Dividend

0.96

Upcoming distribution amount.

Payment Type

Not available

Data is currently unavailable.

Dividend Currency

USD

Currency used for the distribution.

Payout Ratio

Not available

Data is currently unavailable.

How to read events and dividends

This section helps investors track time-sensitive items for West Coast Community Bancorp (OTC-WCCB), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

West Coast Community Bancorp (OTC-WCCB) Stock Forecast & Technical Outlook

Review West Coast Community Bancorp (OTC-WCCB) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for West Coast Community Bancorp (OTC-WCCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for West Coast Community Bancorp (OTC-WCCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for West Coast Community Bancorp (OTC-WCCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for West Coast Community Bancorp (OTC-WCCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for West Coast Community Bancorp (OTC-WCCB) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for West Coast Community Bancorp (OTC-WCCB)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, West Coast Community Bancorp (OTC-WCCB) has a Strong Buy consensus, with 2 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 0
Sell 0
FAQ • Fast Investor Answers

West Coast Community Bancorp (OTC-WCCB) Stock FAQ

Quick answers about West Coast Community Bancorp (OTC-WCCB) stock, including fair value, valuation rating, analyst price target, dividends, earnings dates, market capitalization, financial health and other key stock analysis metrics.

Fair Value
$67.31
Estimated upside 22.5%
Valuation Rating
Undervalued
Estimated upside of 22.5%
Analyst Target
$57
Implied upside 3.7%
Financial Health
Great
Current financial-health read

The current fair value estimate for West Coast Community Bancorp (OTC-WCCB) is $67.31. This implies an estimated upside of 22.5% versus the current market price.

Based on the current fair value estimate, the stock appears undervalued, with estimated upside of 22.5% versus the current market price.

The available analyst price target for West Coast Community Bancorp (OTC-WCCB) is $57. The analyst target implies estimated upside of 3.7%.

The current financial health read for West Coast Community Bancorp (OTC-WCCB) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for West Coast Community Bancorp (OTC-WCCB) is July 28, 2026.

Based on the current data, dividend yield is 1.8%, upcoming dividend amount is 0.96, ex-dividend date is August 4, 2026, payment date is August 10, 2026.

The current P/E ratio listed for West Coast Community Bancorp (OTC-WCCB) is 10.7x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for West Coast Community Bancorp is 572.4 M.

The ticker symbol for West Coast Community Bancorp is OTC-WCCB, and the stock is listed on OTC Markets.

West Coast Community Bancorp (OTC-WCCB) is listed on OTC Markets.

The current debt-to-total-capital ratio listed for West Coast Community Bancorp is 1.4%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for West Coast Community Bancorp is 91.0%. Free float helps investors understand how much of the share base is available for public trading.

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