NASDAQ : WCCB
West Coast Community Bancorp — Financial statements
Financials · Banks - Regional · United States
Last price 63.3 USD (Oct 30, 2026, 4:00 PM EDT) · Market cap 666.17M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 152.22M | 150.51M | 111.31M | 88.76M | 65.74M | 61.09M |
| Interest Income on Investments | 19.04M | 16.63M | 8.32M | 5.64M | 6.32M | 2.26M |
| Total Interest Income | 171.26M | 167.14M | 119.64M | 94.40M | 72.06M | 63.35M |
| Interest Paid on Deposits | 31.50M | 30.56M | 24.14M | 11.51M | 1.85M | 1.80M |
| Interest Paid on Borrowings | 3.46M | 2.35M | 367.00K | 643.00K | 2.00K | 12.00K |
| Total Interest Expense | 34.96M | 32.91M | 24.51M | 12.15M | 1.85M | 1.82M |
| Net Interest Income | 136.30M | 134.23M | 95.13M | 82.25M | 70.21M | 61.53M |
| Gain (Loss) on Sale of Investments | 30.00K | -281.00K | -30.00K | |||
| Other Non-Interest Income | 4.67M | 4.56M | 3.88M | 3.39M | 2.84M | 3.02M |
| Total Non-Interest Income | 6.51M | 5.02M | 4.05M | 4.08M | 4.54M | 4.78M |
| Revenues Before Loan Losses | 142.81M | 139.25M | 99.18M | 86.34M | 74.75M | 66.31M |
| Provision for Loan Losses | 6.12M | 6.96M | 7.04M | 1.41M | 1.61M | 6.86M |
| Revenue | 136.69M | 132.29M | 92.14M | 84.92M | 73.14M | 59.45M |
| Salaries and Employee Benefits | 32.52M | 32.46M | 23.76M | 18.97M | 16.49M | 16.85M |
| Federal Deposit Insurance | 1.56M | 1.56M | 1.05M | 958.00K | 694.00K | 652.00K |
| Amortization of Goodwill & Intangibles | 4.03M | 4.19M | 1.32M | 363.00K | 406.00K | 486.00K |
| Selling, General & Administrative | 16.37M | 15.39M | 10.80M | 9.39M | 7.10M | 5.97M |
| Other Non-Interest Expense | 8.35M | 7.93M | 6.22M | 5.46M | 4.69M | 5.43M |
| Total Non-Interest Expense | 62.83M | 61.53M | 43.16M | 35.15M | 29.38M | 29.39M |
| EBT Excluding Unusual Items | 73.86M | 70.76M | 48.99M | 49.77M | 43.76M | 30.07M |
| Pretax Income | 73.51M | 70.06M | 41.94M | 49.77M | 43.76M | 30.07M |
| Income Tax Expense | 20.53M | 19.64M | 12.36M | 14.62M | 12.81M | 8.79M |
| Net Income | 52.98M | 50.43M | 29.58M | 35.15M | 30.94M | 21.27M |
| Net Income to Common | 52.98M | 50.43M | 29.58M | 35.15M | 30.94M | 21.27M |
| Basic Shares Outstanding | 10.41M | 10.49M | 8.92M | 8.40M | 8.51M | 8.51M |
| Diluted Shares Outstanding | 10.54M | 10.60M | 9.02M | 8.43M | 8.54M | 8.54M |
| EPS (Basic) | 5.09 | 4.81 | 3.32 | 4.19 | 3.63 | 2.50 |
| EPS (Diluted) | 5.04 | 4.76 | 3.28 | 4.17 | 3.62 | 2.49 |
| Dividend Per Share | 1.35 | 0.86 | 0.71 | 0.63 | 0.47 | 0.24 |
| Effective Tax Rate | 27.93% | 28.02% | 29.47% | 29.38% | 29.29% | 29.24% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 146.87M | 190.68M | 84.65M | 33.94M | 42.69M | 139.42M |
| Investment Securities | 186.92M | 209.70M | 280.25M | 252.95M | 330.32M | 267.63M |
| Mortgage-Backed Securities | 216.68M | 196.91M | 143.20M | 36.55M | 36.57M | 36.02M |
| Total Investments | 403.60M | 406.61M | 423.45M | 289.50M | 366.89M | 303.64M |
| Gross Loans | 2.27B | 2.17B | 2.05B | 1.38B | 1.22B | 1.13B |
| Allowance for Loan Losses | -35.12M | -38.17M | -31.62M | -23.94M | -21.44M | -19.98M |
| Other Adjustments to Gross Loans | -1.28M | |||||
| Net Loans | 2.24B | 2.13B | 2.01B | 1.35B | 1.20B | 1.11B |
| Property, Plant & Equipment | 18.53M | 15.01M | 16.18M | 15.22M | 19.62M | 17.14M |
| Goodwill | 40.05M | 40.05M | 40.05M | 25.76M | 25.76M | 25.76M |
| Other Intangible Assets | 21.89M | 23.86M | 28.05M | 1.67M | 2.03M | 2.44M |
| Loans Held for Sale | 33.70M | 45.26M | 69.51M | |||
| Accrued Interest Receivable | 11.49M | 11.07M | 10.70M | 8.14M | 6.83M | 5.39M |
| Long-Term Deferred Tax Assets | 24.29M | 27.79M | 11.54M | 12.98M | 6.73M | |
| Other Long-Term Assets | 59.61M | 37.82M | 35.95M | 21.24M | 21.39M | 18.90M |
| Total Assets | 2.95B | 2.88B | 2.68B | 1.79B | 1.74B | 1.70B |
| Interest Bearing Deposits | 1.47B | 1.41B | 1.23B | 872.42M | 794.80M | 716.42M |
| Institutional Deposits | 54.79M | 58.40M | 70.60M | 66.21M | 66.49M | 63.03M |
| Non-Interest Bearing Deposits | 1.00B | 1.01B | 1.01B | 576.46M | 669.49M | 716.89M |
| Total Deposits | 2.52B | 2.48B | 2.31B | 1.52B | 1.53B | 1.50B |
| Short-Term Borrowings | 32.50M | |||||
| Current Portion of Leases | 644.00K | 1.14M | ||||
| Accrued Interest Payable | 743.00K | 738.00K | 1.36M | 1.04M | 240.00K | 95.00K |
| Long-Term Debt | 7.79M | 11.61M | ||||
| Long-Term Leases | 7.49M | 3.87M | 7.16M | 4.42M | 4.81M | 5.05M |
| Other Long-Term Liabilities | 15.14M | 16.27M | 16.84M | 11.27M | 10.98M | 13.68M |
| Total Liabilities | 2.55B | 2.51B | 2.35B | 1.56B | 1.55B | 1.52B |
| Common Stock | 199.53M | 198.25M | 204.79M | 122.60M | 124.63M | 125.83M |
| Retained Earnings | 204.67M | 182.45M | 140.67M | 117.26M | 89.24M | 62.33M |
| Comprehensive Income & Other | -5.71M | -3.87M | -12.48M | -9.82M | -16.19M | -2.07M |
| Shareholders' Equity | 398.49M | 376.83M | 332.98M | 230.04M | 197.68M | 186.09M |
| Total Liabilities & Equity | 2.95B | 2.88B | 2.68B | 1.79B | 1.74B | 1.70B |
| Total Debt | 8.14M | 12.80M | 18.77M | 36.92M | 4.81M | 5.05M |
| Net Cash (Debt) | 138.84M | 177.98M | 66.24M | 7.47M | 72.57M | 156.04M |
| Net Cash Per Share | 13.18 | 16.79 | 7.35 | 0.89 | 8.50 | 18.28 |
| Filing Date Shares Outstanding | 10.51M | 10.48M | 10.56M | 8.41M | 8.48M | 8.54M |
| Total Common Shares Outstanding | 10.51M | 10.48M | 10.56M | 8.41M | 8.48M | 8.54M |
| Book Value Per Share | 37.90 | 35.95 | 31.54 | 27.36 | 23.32 | 21.80 |
| Tangible Book Value | 336.55M | 312.92M | 264.88M | 202.60M | 169.88M | 157.89M |
| Tangible Book Value Per Share | 32.01 | 29.85 | 25.09 | 24.10 | 20.04 | 18.50 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 52.98M | 50.43M | 29.58M | 35.15M | 30.94M | 21.27M |
| Depreciation & Amortization | 5.85M | 5.80M | 2.61M | 1.73M | 1.41M | 1.57M |
| Gain (Loss) on Sale of Assets | 78.00K | 173.00K | 507.00K | -250.00K | ||
| Gain (Loss) on Sale of Investments | -2.80M | -2.37M | 138.00K | 1.68M | 1.95M | 1.04M |
| Provision for Credit Losses | 5.53M | 6.18M | 6.93M | 554.00K | 1.59M | 6.86M |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | -19.56M | -15.89M | -15.60M | -42.28M | ||
| Accrued Interest Receivable | -2.68M | -14.00K | 7.96M | -740.00K | -3.06M | 1.40M |
| Change in Other Net Operating Assets | 210.00K | 451.00K | 328.00K | 1.15M | -3.67M | -4.32M |
| Other Operating Activities | 6.19M | 1.47M | -921.00K | 874.00K | -554.00K | -535.00K |
| Operating Cash Flow | 60.77M | 51.85M | 23.73M | 24.11M | 10.01M | -14.84M |
| Capital Expenditures | -3.11M | -2.67M | -942.00K | -1.27M | -3.74M | -3.00M |
| Sale of Property, Plant and Equipment | 1.00K | 1.91M | 4.15M | |||
| Cash Acquisitions | 43.11M | |||||
| Investment in Securities | -14.35M | 30.89M | 127.10M | 84.96M | -83.50M | -190.41M |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -163.59M | -117.59M | -6.79M | -130.64M | -45.43M | 78.75M |
| Other Investing Activities | -1.20M | -1.20M | -1.26M | -261.00K | -2.70M | -3.12M |
| Investing Cash Flow | -181.98M | -90.58M | 163.13M | -43.06M | -135.37M | -117.77M |
| Long-Term Debt Issued | 32.50M | 6.80M | ||||
| Total Debt Issued | -4.10M | 32.50M | 6.80M | |||
| Long-Term Debt Repaid | -5.19M | -32.50M | -47.16M | |||
| Total Debt Repaid | -14.00M | -5.19M | -32.50M | -47.16M | ||
| Net Debt Issued (Repaid) | -18.10M | -5.19M | -32.50M | 32.50M | -40.36M | |
| Issuance of Common Stock | 339.00K | 255.00K | 576.00K | 243.00K | 218.00K | 203.00K |
| Repurchase of Common Stock | -7.37M | -8.23M | -28.00K | -3.00M | -2.00M | |
| Common Dividends Paid | -9.46M | -8.65M | -6.17M | -3.86M | -4.04M | -1.89M |
| Net Increase (Decrease) in Deposit Accounts | 262.64M | 166.57M | -97.92M | -15.69M | 34.45M | 301.55M |
| Financing Cash Flow | 228.04M | 144.75M | -136.04M | 10.19M | 28.63M | 259.50M |
| Net Cash Flow | 106.83M | 106.03M | 50.82M | -8.76M | -96.73M | 126.89M |
| Free Cash Flow | 57.66M | 49.18M | 22.79M | 22.84M | 6.27M | -17.84M |
| Free Cash Flow Margin | 42.18% | 37.18% | 24.73% | 26.89% | 8.57% | -30.00% |
| Free Cash Flow Per Share | 5.47 | 4.64 | 2.53 | 2.71 | 0.73 | -2.09 |
| Cash Interest Paid | 33.66M | 33.53M | 24.19M | 11.35M | 1.71M | 1.88M |
| Cash Income Tax Paid | 16.25M | 19.59M | 13.82M | 13.82M | 17.00M | 7.50M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 668.35M | 458.18M | 439.53M | 251.63M | 212.39M | 200.68M |
| Last Close Price | 63.30 | 43.18 | 40.04 | 28.20 | 23.03 | 21.27 |
| PE Ratio | 12.60 | 9.09 | 14.86 | 7.16 | 6.86 | 9.43 |
| PS Ratio | 4.87 | 3.46 | 4.77 | 2.96 | 2.90 | 3.38 |
| PB Ratio | 1.67 | 1.22 | 1.32 | 1.09 | 1.07 | 1.08 |
| P/FCF Ratio | 11.55 | 9.32 | 19.29 | 11.02 | 33.88 | |
| P/OCF Ratio | 10.96 | 8.84 | 18.52 | 10.44 | 21.21 | |
| Debt / Equity Ratio | 0.02 | 0.03 | 0.06 | 0.16 | 0.02 | 0.03 |
| Debt / FCF Ratio | 0.14 | 0.26 | 0.82 | 1.62 | 0.77 | |
| Net Debt / Equity Ratio | -0.35 | -0.47 | -0.20 | -0.03 | -0.37 | -0.84 |
| Net Debt / FCF Ratio | -2.41 | -3.62 | -2.91 | -0.33 | -11.58 | 8.75 |
| Return on Equity (ROE) | 14.03% | 14.21% | 10.51% | 16.44% | 16.13% | 12.00% |
| Return on Assets (ROA) | 1.89% | 1.81% | 1.32% | 1.99% | 1.80% | 1.36% |
| Earnings Yield | 7.94% | 11.01% | 6.73% | 13.97% | 14.57% | 10.60% |
| FCF Yield | 8.65% | 10.73% | 5.18% | 9.08% | 2.95% | -8.89% |
| Dividend Yield | 1.83% | 1.97% | 1.70% | 2.10% | 1.90% | 1.01% |
| Payout Ratio | 20.04% | 17.16% | 20.86% | 10.99% | 13.05% | 8.88% |
| Buyback Yield / Dilution | -4.19% | -17.57% | -6.93% | 1.26% | -0.04% | -0.27% |
| Total Shareholder Return | -2.35% | -15.60% | -5.22% | 3.36% | 1.86% | 0.73% |