West Coast Community Bancorp (SCZC) AI Stock Analysis

• Market Cap: $403.70M
• Dividend Yield: 1.84%
• Average Volume (3M): 6.85K
• Price to Earnings (P/E): 11.8
• Beta (1Y): 0.19
• Revenue Growth: 25.59%
• EPS Growth: -18.06%
• Country: US
• Employees: 149
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 3.39
• Shares Outstanding: 10,455,817
• 10 Day Avg. Volume: 6,058
• 30 Day Avg. Volume: 6,847
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 4.48
• Price to Cash Flow (P/CF): N/A
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

West Coast Community Bancorp demonstrates strong financial health with excellent profitability and balance sheet management, contributing significantly to its overall score. The technical analysis presents a neutral stance, with no strong momentum indicators. The valuation is reasonable, with a moderate P/E ratio and dividend yield. These factors collectively suggest a sound investment with room for cautious optimism.

West Coast Community Bancorp Business Overview & Revenue Model

Company Description

West Coast Community Bancorp (SCZC) is a financial institution that operates primarily in the community banking sector. The company provides a range of banking products and services, including personal and business banking, loans, mortgages, and deposit products, catering to individuals, small businesses, and local communities.

How the Company Makes Money

West Coast Community Bancorp generates revenue through interest income from loans, including personal, business, and mortgage loans, as well as from interest-earning assets such as securities. The company also earns non-interest income from service charges on deposit accounts, transaction fees, and other banking services. Additionally, the bank may engage in partnerships with other financial institutions or service providers to enhance its product offerings and revenue potential. Economic factors, interest rate changes, and regulatory environments are significant contributors to its earnings.

West Coast Community Bancorp Financial Statement Overview

Summary

West Coast Community Bancorp exhibits strong financial performance with excellent profitability and prudent balance sheet management. While revenue and profit margins are robust, the decrease in cash reserves and reliance on financing activities in the past highlight areas for potential improvement.

Income Statement

West Coast Community Bancorp has demonstrated strong revenue and profit growth over the years. The revenue growth rate from 2022 to 2023 is approximately 13.6%, with both EBIT and EBITDA margins showing impressive performance at 66.7% and 60.6%, respectively. The net profit margin is high at 41.4% in 2023, indicating efficient cost management and strong profitability. These metrics reflect robust financial health and competitive positioning in the banking sector.

Balance Sheet

The company's balance sheet shows a strong equity position with an equity ratio of 12.8% in 2023. The debt-to-equity ratio remains low at 0.14, indicating limited leverage and a conservative financial structure. Return on equity stands at 15.3%, showcasing effective utilization of equity to generate earnings. However, the decline in cash and short-term investments from 2022 to 2023 is a point of concern.

Cash Flow

The company has improved its free cash flow significantly, with a growth rate of 264% from 2022 to 2023. The operating cash flow to net income ratio is 0.69, suggesting a healthy conversion of net income into cash. Despite these positive indicators, the reliance on financing activities for cash flow in previous years suggests a need for closer monitoring of operational cash generation stability.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
101.86M	84.92M	74.75M	66.31M	53.20M	40.82M
	Gross Profit
97.51M	98.48M	74.75M	66.31M	53.20M	40.82M
	EBIT
52.21M	56.67M	45.61M	30.07M	24.68M	21.10M
	EBITDA
3.40M	51.50M	45.17M	31.64M	26.12M	18.18M
	Net Income Common Stockholders
35.49M	35.15M	30.94M	21.27M	17.55M	12.28M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
16.92M	33.94M	398.11M	430.09M	117.61M	48.23M
	Total Assets
662.41M	1.79B	1.74B	1.70B	1.42B	1.08B
	Total Debt
0.00	32.50M	4.81M	5.05M	40.36M	5.69M
	Net Debt
-16.92M	-11.89M	-72.57M	-149.38M	-27.40M	-42.54M
	Total Liabilities
593.89M	1.56B	1.55B	18.82M	59.60M	925.01M
	Stockholders Equity
68.52M	230.04M	197.68M	186.09M	168.49M	151.10M
Cash Flow		Free Cash Flow
0.00	22.84M	6.27M	-17.84M	-4.18M	14.48M
	Operating Cash Flow
0.00	24.11M	10.01M	-14.84M	-648.00K	14.91M
	Investing Cash Flow
0.00	-43.05M	-135.37M	-117.77M	-366.52M	-17.34M
	Financing Cash Flow
0.00	10.19M	28.63M	259.50M	329.67M	35.54M

West Coast Community Bancorp Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 38.61
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For SCZC, the sentiment is Neutral. The current price of 38.61 is below the 20-day moving average (MA) of 38.89, below the 50-day MA of 39.85, and below the 200-day MA of 39.38, indicating a bearish trend. The MACD of -0.49 indicates Positive momentum. The RSI at 44.16 is Neutral, neither overbought nor oversold. The STOCH value of 80.97 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for SCZC.

West Coast Community Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SCZC	73 Outperform	$403.70M	11.77	10.51%	1.84%	25.59%	-18.06%
CTBI	72 Outperform	$854.22M	9.86	11.54%	3.96%	12.34%	10.88%
EFSC	70 Outperform	$1.80B	10.06	10.47%	2.26%	10.38%	-4.58%
CAC	68 Neutral	$637.26M	10.42	10.33%	4.45%	14.18%	22.19%
FMBH	65 Neutral	$775.11M	9.79	9.62%	2.94%	17.70%	3.88%
Sector *	63 Neutral	$12.00B	9.27	8.14%	79.61%	12.85%	-5.12%
UBOH	59 Neutral	$76.81M	7.21	10.68%	3.59%	13.87%	21.10%