Stocks · Financial Services · Banks - Regional
West Coast Community Bancorp WCCB
$60.66 +0.33% Close, Oct 2, 2026 · NASDAQ · Market cap $637.8M
Strong trendLow risk
Next earnings report: Oct 20, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Operating margin widened to 41.5% from 25.3% a year earlier.
- The shares trade at 12.0× trailing earnings, higher than 95% of the company's own readings over the past five years.
- Diluted EPS over the last four quarters was $5.04, up 38.5% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 28%
- EPS growth (TTM, YoY)Top 27%
- Revenue growth, 3-year CAGRTop 16%
- Revenue growth accelerationBottom 16%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 45%
- Gross marginTop 22%
- Operating marginTop 13%
- Cash conversion (OCF / net income)Bottom 21%
- Accruals (lower is better)Bottom 20%
- Net debt / EBITDA (lower is better)Top 11%
- Interest coverTop 30%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 33%
- Free-cash-flow yieldBottom 25%
- EBITDA / enterprise valueTop 12%
- Sales / enterprise valueTop 39%
- P/E vs own 5-year history (lower is better)Bottom 7%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 17%
- 6-month returnTop 11%
- 1-year return vs S&P 500Top 10%
- Distance from 52-week highTop 12%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 47%
- Consecutive EPS beatsTop 34%
- Upside to consensus price targetBottom 3%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 30%
- Maximum drawdown, 3 yearsTop 19%
- Beta vs S&P 500 (lower is better)Top 18%
- Net debt / EBITDA (lower is better)Top 11%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 27.3% | 15.8% | ↓ |
| EPS growth (YoY) | 50.4% | 38.5% | ↓ |
| Gross margin | 83.0% | 76.7% | ↓ |
| Operating margin | 25.3% | 41.5% | ↑ |
| FCF margin | 0.0% | 0.0% | → |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 15.8% | 27.3% | ↓ | Top 28% |
| EPS growth (TTM, YoY) | 38.5% | 50.4% | ↓ | Top 27% |
| Gross margin | 76.7% | 83.0% | ↓ | Top 22% |
| Operating margin | 41.5% | 25.3% | ↑ | Top 13% |
| Net margin | 29.9% | 23.9% | ↑ | — |
| Free-cash-flow margin | 0.0% | 0.0% | → | — |
| Return on invested capital | 1.8% | — | Top 45% | |
| Revenue growth, 3-year CAGR | 30.6% | — | Top 16% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 0.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- 1.8%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -1.99×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 2.1×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 0.00%
- Shareholder yield
- 0.00%
- Share count change, 1 year
- -0.8%
- Share count change, 3-year CAGR
- +7.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jun 30, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 3
- Beats in the last 8 reports
- 3 of 4
- Average EPS surprise, last 4
- +5.2%
- Average 2-day reaction, last 8
- +0.1%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $52.00
- Target vs current price
- -14.3%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 21, 2026 | +2.4% | +0.0% | +0.5% | -0.4% | — |
| Apr 21, 2026 | +16.3% | +0.2% | +5.3% | +5.1% | +13.9% |
| Jan 27, 2026 | +7.8% | -0.4% | +0.0% | +7.9% | +6.7% |
| Oct 21, 2025 | -5.7% | -1.0% | +1.5% | +2.3% | +8.3% |
| Jul 22, 2025 | — | +1.2% | -0.5% | -3.6% | +5.0% |
| Apr 22, 2025 | — | -0.3% | +2.1% | +7.6% | +3.9% |
| Jan 28, 2025 | — | +1.6% | +0.8% | +3.0% | -4.1% |
| Oct 22, 2024 | — | -0.8% | -1.2% | +7.2% | +4.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 21, 2026 | $1.28 | $1.25 | +2.4% | $32.8M |
| Apr 21, 2026 | $1.43 | $1.23 | +16.3% | $37.2M |
| Jan 27, 2026 | $1.38 | $1.28 | +7.8% | $34.3M |
| Oct 21, 2025 | $1.15 | $1.22 | -5.7% | $44.2M |
| Jul 22, 2025 | $1.23 | — | — | $42.2M |
| Apr 22, 2025 | $1.13 | — | — | $40.8M |
| Jan 28, 2025 | $1.32 | — | — | $43.0M |
| Oct 22, 2024 | $1.00 | — | — | $27.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 12.0× | 8.9× | 95th | Top 33% |
| P/E (forward) | 11.3× | — | — | — |
| EV / EBITDA | 6.7× | — | — | Top 12% |
| EV / Sales | 2.77× | — | — | Top 39% |
| Free-cash-flow yield | 0.00% | — | — | Bottom 25% |
| Earnings yield | 8.31% | — | — | Top 33% |
P/E over the past five years
Range 5.1× – 12.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +43.1%
- Earnings per share growth (TTM)
- +38.5%
- Change in P/E multiple
- -7.7%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 23
- Days above the 200-day average
- 271
- 50-day average slope (20 days)
- +5.9%
- 200-day average slope (20 days)
- +3.7%
- Distance from 50-day average
- +7.4%
- Distance from 200-day average
- +21.0%
- RSI (14)
- 77.4
- Relative volume
- 1.61×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.1%
- Volatility vs own 5-year history
- 66th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.14
- Correlation with S&P 500
- 0.15
- Current drawdown from 1-year high
- -0.1%
- Maximum drawdown, 3 years
- -10.2%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 26, 2021 | Jan 24, 2022 | -52.8% | 39 days | 37 days (Mar 17, 2022) |
| Mar 22, 2021 | Sep 27, 2021 | -51.1% | 131 days | 32 days (Nov 10, 2021) |
| Nov 15, 2021 | Nov 22, 2021 | -50.6% | 5 days | 2 days (Nov 24, 2021) |
| Nov 10, 2021 | Nov 11, 2021 | -50.0% | 1 days | 2 days (Nov 15, 2021) |
| Nov 16, 2020 | Nov 17, 2020 | -46.0% | 1 days | 4 days (Nov 23, 2020) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $637.8M
- P/E (TTM)
- 12.0
- EPS, diluted (TTM)
- $5.04
- Revenue (TTM)
- $177.4M
- Dividend yield
- 1.55%
- 52-week range
- $40.20 – $61.95
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $68.1M | $76.6M | $98.5M | $124.2M | $170.8M |
| Gross profit | $59.5M | $73.1M | $84.9M | $92.1M | $130.9M |
| Operating income | $30.1M | $43.8M | $49.8M | $49.5M | $70.1M |
| Net income | $21.3M | $30.9M | $35.1M | $29.6M | $50.4M |
| EPS (diluted) | $2.50 | $3.62 | $4.17 | $3.28 | $4.76 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $27.1M | $43.0M | $40.8M | $42.2M | $44.2M | $44.6M | $44.5M | $44.1M |
| Net income | $8.2M | $3.8M | $11.7M | $12.9M | $12.1M | $13.8M | $15.0M | $12.2M |
| EPS (diluted) | $0.96 | $0.36 | $1.10 | $1.22 | $1.14 | $1.31 | $1.43 | $1.16 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | -$14.8M | $10.0M | $24.1M | $23.4M | $51.9M |
| Capital expenditure | -$3.0M | -$3.7M | -$1.3M | -$942,000 | -$2.7M |
| Free cash flow | -$17.8M | $6.3M | $22.8M | $22.4M | $49.2M |
| Dividends paid | -$1.9M | -$4.0M | -$3.9M | -$6.2M | -$8.7M |
| Net share buybacks | $0 | -$1.8M | -$3.0M | $569,000 | -$7.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $146.9M
- Total assets
- $2.95B
- Total liabilities
- $2.55B
- Total debt
- $0
- Net debt
- -$146.9M
- Shareholders’ equity
- $398.5M
As of Jun 30, 2026 (filed Jun 30, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 4, 2026 | $0.25 | Aug 10, 2026 |
| May 5, 2026 | $0.24 | May 11, 2026 |
| Feb 10, 2026 | $0.23 | Feb 17, 2026 |
| Nov 4, 2025 | $0.22 | Nov 10, 2025 |
| Aug 5, 2025 | $0.21 | Aug 11, 2025 |
| Apr 29, 2025 | $0.20 | May 6, 2025 |
| Feb 5, 2025 | $0.19 | Feb 11, 2025 |
| Nov 5, 2024 | $0.18 | Nov 12, 2024 |
Short interest
- Shares sold short
- 324
- Days to cover
- 1.00
- Change vs previous report
- +100.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Mar 17, 2022
- 2-for-1
- Oct 25, 2021
- 11-for-10
- Oct 30, 2017
- 11-for-10