West Coast Community Bancorp (WCCB) Valuation

Valuation

Model-based estimates, not advice. The DCF is the discounted-cash-flow value per share; compare it with the price, not as a target.

DCF fair value

+174.7%

$174.31

vs $63.46 price

Levered DCF

$70.14

After debt service

Piotroski score

6 / 9

Average

Altman Z-score

2.85

Grey zone

Rating

B+

Overall 3 / 5

Ratios by fiscal year

Margins and yields are shares of revenue, equity or price; multiples are ×.

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
P/E	9.15×	12.55×	7.14×	6.9×	9.41×	4.89×	11.64×	5.35×
P/B	1.22×	1.12×	1.09×	1.08×	1.07×	0.51×	0.94×	0.89×
P/S	2.7×	2.99×	2.55×	2.78×	2.93×	1.53×	3.5×	1.8×
EV / EBITDA	3.67×	6.17×	4.65×	3.01×	1.34×	2.24×	5.51×	-2.81×
Gross margin	76.7%	74.2%	86.2%	95.5%	87.3%	90.1%	93.5%	94.0%
Operating margin	41.0%	39.9%	50.5%	57.1%	44.1%	44.1%	42.7%	46.9%
Net margin	29.5%	23.8%	35.7%	40.4%	31.2%	31.4%	30.1%	33.6%
Current ratio	0.09×	0.05×	0.21×	0.28×	0.3×	0.11×	0.55×	0.23×
Debt / equity	0.02×	0.06×	0.14×	0×	0×	0.24×	0.04×	0×
Interest coverage	2.13×	2.02×	4.1×	23.63×	16.56×	9.11×	7.96×	11.9×
Dividend yield	1.9%	1.7%	1.5%	1.9%	0.9%	1.3%	0.6%	1.1%
Payout ratio	17.2%	20.9%	11.0%	13.0%	8.9%	6.6%	6.8%	5.9%

Key metrics by fiscal year

Metric	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Return on equity	13.4%	8.9%	15.3%	15.7%	11.4%	10.4%	8.1%	16.6%
Return on invested capital	12.4%	5.4%	13.4%	15.7%	11.4%	8.4%	1.7%	14.6%
Return on assets	1.7%	1.1%	2.0%	1.8%	1.3%	1.2%	1.1%	1.7%
Free cash flow yield	10.7%	6.0%	9.1%	2.9%	-8.9%	-4.9%	10.1%	10.7%
Earnings yield	10.9%	8.0%	14.0%	14.5%	10.7%	20.5%	8.6%	18.7%
Enterprise value	$278.4M	$305.5M	$239.4M	$135.9M	$42.3M	$58.4M	$100.2M	-$45.8M
Net debt / EBITDA	-2.41×	-1.33×	-0.23×	-1.71×	-4.97×	-1.05×	-2.34×	-6.56×
Cash conversion cycle (days)	24	0	-350	-1,555	-692	-1,150	0	-3