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SCZC (West Coast Community Bancorp) E10 : $2.70 (As of Sep. 2024)


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What is West Coast Community Bancorp E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

West Coast Community Bancorp's adjusted earnings per share data for the three months ended in Sep. 2024 was $0.960. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $2.70 for the trailing ten years ended in Sep. 2024.

During the past 12 months, West Coast Community Bancorp's average E10 Growth Rate was 16.90% 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 E10 growth rate using E10 data.

As of today (2024-12-14), West Coast Community Bancorp's current stock price is $41.80. West Coast Community Bancorp's E10 for the quarter that ended in Sep. 2024 was $2.70. West Coast Community Bancorp's Shiller PE Ratio of today is 15.48.

During the past 13 years, the highest Shiller PE Ratio of West Coast Community Bancorp was 15.73. The lowest was 10.56. And the median was 12.97.


West Coast Community Bancorp E10 Historical Data

The historical data trend for West Coast Community Bancorp's E10 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.

* Premium members only.

West Coast Community Bancorp E10 Chart

West Coast Community Bancorp Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec20 Dec21 Dec22 Dec23
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only - - - 1.95 2.39

West Coast Community Bancorp Quarterly Data
Dec18 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24
E10 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 2.31 2.39 2.50 2.60 2.70

Competitive Comparison of West Coast Community Bancorp's E10

For the Banks - Regional subindustry, West Coast Community Bancorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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's Shiller PE Ratio Distribution in the Banks Industry

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

* The bar in red indicates where West Coast Community Bancorp's Shiller PE Ratio falls into.



West Coast Community Bancorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Sep. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Sep. 2024 (Change)*Current CPI (Sep. 2024)
=0.96/133.0289*133.0289
=0.960

Current CPI (Sep. 2024) = 133.0289.

West Coast Community Bancorp Quarterly Data

per share eps CPI Adj_EPS
200709 0.068 87.964 0.103
200712 0.074 88.616 0.111
201312 1.620 98.326 2.192
201409 0.236 100.428 0.313
201412 0.248 99.070 0.333
201503 0.240 99.621 0.320
201506 0.260 100.684 0.344
201509 0.264 100.392 0.350
201512 0.281 99.792 0.375
201603 0.285 100.470 0.377
201606 0.289 101.688 0.378
201609 0.310 101.861 0.405
201612 0.346 101.863 0.452
201703 0.355 102.862 0.459
201706 0.400 103.349 0.515
201709 0.395 104.136 0.505
201712 0.159 104.011 0.203
201803 0.473 105.290 0.598
201806 0.509 106.317 0.637
201809 0.550 106.507 0.687
201812 0.591 105.998 0.742
202003 0.514 108.902 0.628
202006 0.445 108.767 0.544
202009 0.627 109.815 0.760
202012 0.477 109.897 0.577
202103 0.677 111.754 0.806
202106 0.620 114.631 0.720
202109 0.640 115.734 0.736
202112 0.550 117.630 0.622
202203 0.630 121.301 0.691
202206 0.740 125.017 0.787
202209 1.040 125.227 1.105
202212 1.180 125.222 1.254
202303 1.050 127.348 1.097
202306 0.980 128.729 1.013
202309 1.080 129.860 1.106
202312 1.060 129.419 1.090
202403 1.100 131.776 1.110
202406 0.970 132.554 0.973
202409 0.960 133.029 0.960

Add all the adjusted EPS together and divide 10 will get our e10.


West Coast Community Bancorp  (OTCPK:SCZC) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

West Coast Community Bancorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=41.80/2.7
=15.48

* 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 Shiller P/E Ratio of West Coast Community Bancorp was 15.73. The lowest was 10.56. And the median was 12.97.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


West Coast Community Bancorp E10 Related Terms

Thank you for viewing the detailed overview of West Coast Community Bancorp's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


West Coast Community Bancorp Business Description

Traded in Other Exchanges
N/A
Address
75 River Street, Santa Cruz, CA, USA, 95060
West Coast Community Bancorp Formerly Santa Cruz County Bank is a community bank. It offers personal banking, business banking, and lending solutions for businesses and individuals in Santa Cruz County. It has full-service offices located in Aptos, Capitola, Santa Cruz, Monterey, Cupertino, Scotts Valley, and Watsonville counties. Its products and services include Checking and Savings accounts, Mobile banking, Business checking, and savings accounts, Merchant credit card services, etc. The bank also operates self-serve ATM and Night depositories.