WCCB (West Coast Community Bancorp) Cyclically Adjusted Book per Share: $24.68 (As of Jun. 2026)

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WCCB West Coast Community Bancorp WCCB
79 GF Score
Price $55.00
GF Value $47.15
Valuation Modestly Overvalued
! 3 Warning Signs
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What is West Coast Community Bancorp Cyclically Adjusted Book per Share?

West Coast Community Bancorp WCCB 79 Cyclically Adjusted Book per Share is $24.68 as of Jun. 2026. GuruFocus rates WCCB with a GF Score™ of 79/100 and a GF Value™ of $47.15 (Modestly Overvalued). The stock has 3 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

West Coast Community Bancorp's adjusted book value per share for the three months ended in Jun. 2026 was $37.901. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $24.68 for the trailing ten years ended in Jun. 2026.

During the past 12 months, West Coast Community Bancorp's average Cyclically Adjusted Book Growth Rate was 14.30% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 18.20% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of West Coast Community Bancorp was 22.00% per year. The lowest was 18.20% per year. And the median was 20.10% per year.

As of today (2026-08-03), West Coast Community Bancorp's current stock price is $55.00. West Coast Community Bancorp's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $24.68. West Coast Community Bancorp's Cyclically Adjusted PB Ratio of today is 2.23.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of West Coast Community Bancorp was 2.51. The lowest was 1.51. And the median was 1.91.


West Coast Community Bancorp  (OTCPK:WCCB) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

West Coast Community Bancorp's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=55.00/24.68
=2.23

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of West Coast Community Bancorp was 2.51. The lowest was 1.51. And the median was 1.91.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


West Coast Community Bancorp Cyclically Adjusted Book per Share Related Terms


West Coast Community Bancorp Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for West Coast Community Bancorp's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

West Coast Community Bancorp Cyclically Adjusted Book per Share Chart

West Coast Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.04 13.82 16.69 20.03 22.83

West Coast Community Bancorp Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 21.59 22.49 22.83 23.66 24.68

WCCB vs BWB, SFST, UNTY: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, West Coast Community Bancorp's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


West Coast Community Bancorp Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, West Coast Community Bancorp's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where West Coast Community Bancorp's Cyclically Adjusted PB Ratio falls into.


WCCB
79GF Score
West Coast Community Bancorp WCCB
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

West Coast Community Bancorp Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, West Coast Community Bancorp's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=37.901/333.9520*333.9520
=37.901

Current CPI (Jun. 2026) = 333.9520.

West Coast Community Bancorp Quarterly Data

Book Value per Share CPI Adj_Book
201512 8.418 236.525 11.885
201603 8.685 238.132 12.180
201606 8.963 241.018 12.419
201609 9.263 241.428 12.813
201612 9.565 241.432 13.230
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 10.638 246.819 14.393
201712 10.747 246.524 14.558
201803 11.195 249.554 14.981
201806 11.656 251.989 15.447
201809 12.189 252.439 16.125
201812 12.720 251.233 16.908
201912 17.839 256.974 23.183
202003 0.000 258.115 0.000
202006 0.000 257.797 0.000
202009 0.000 260.280 0.000
202012 19.880 260.474 25.488
202103 20.432 264.877 25.760
202106 20.974 271.696 25.780
202109 21.459 274.310 26.125
202112 21.801 278.802 26.113
202203 21.423 287.504 24.884
202206 21.733 296.311 24.494
202209 22.058 296.808 24.818
202212 23.319 296.797 26.238
202303 24.193 301.836 26.767
202306 24.833 305.109 27.181
202309 25.929 307.789 28.133
202312 27.362 306.746 29.789
202403 28.297 312.332 30.256
202406 29.180 314.175 31.017
202409 30.420 315.301 32.219
202412 31.544 315.605 33.378
202503 32.655 319.799 34.100
202506 33.745 322.561 34.937
202509 34.972 324.800 35.957
202512 35.946 324.054 37.044
202603 36.975 330.213 37.394
202606 37.901 333.952 37.901

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $24.68 mean?
West Coast Community Bancorp (WCCB) has a Cyclically Adjusted Book per Share of $24.68 as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on West Coast Community Bancorp and its competitors.
Is West Coast Community Bancorp's Cyclically Adjusted Book per Share too high?
West Coast Community Bancorp's current Cyclically Adjusted Book per Share is $24.68. Overall, West Coast Community Bancorp has a GF Score™ of 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Coast Community Bancorp's Cyclically Adjusted Book per Share compare to BWB and SFST?
West Coast Community Bancorp's Cyclically Adjusted Book per Share of $24.68 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on West Coast Community Bancorp and its competitors. West Coast Community Bancorp's current Cyclically Adjusted Book per Share is $24.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Coast Community Bancorp stock overvalued right now?
Based on GuruFocus' analysis, West Coast Community Bancorp (WCCB) is currently considered Modestly Overvalued. The stock's GF Value™ is $47.15, compared to a current price of $55.00 — trading 16.6% above its estimated fair value. The current Cyclically Adjusted Book per Share is $24.68. West Coast Community Bancorp's overall GF Score™ is 79/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current Cyclically Adjusted Book per Share is $24.68 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is West Coast Community Bancorp (WCCB) Overvalued in 2026?

Based on GuruFocus' analysis, West Coast Community Bancorp stock appears to be overvalued. The current stock price of $55.00 is trading 16.6% above its estimated GF Value™ of $47.15. GuruFocus considers West Coast Community Bancorp to be Modestly Overvalued.

Key valuation signals for WCCB:

  • Cyclically Adjusted Book per Share: $24.68
  • GF Value™: $47.15 vs. price of $55.00 (16.6% above fair value)
  • GF Score™: 79/100 with 3 warning signs

No single metric tells the full story. See the WCCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


West Coast Community Bancorp Business Description

Address 75 River Street, Santa Cruz, CA, USA, 95060
West Coast Community Bancorp is a bank holding company. Through its banking subsidiary, it offers a full range of commercial and personal banking services to residents and businesses in Santa Cruz County and adjacent Monterey, San Luis Obispo, and Santa Clara counties. Its products and service offerings include mobile banking, credit and debit cards, treasury management, deposit products, such as checking, savings, and term certificate accounts, and lending products such as commercial, commercial real estate, construction, multifamily, municipal, asset-backed loans, etc. Its lending products also include various government guarantee programs such as Small Business Administration (SBA) and 504 programs, as well as U.S. Department of Agriculture (USDA) programs.
79GF Score

Get the complete analysis for WCCB

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$47.15
GF Value