WCCB (West Coast Community Bancorp) E10: $3.30 (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
View Full Analysis

What is West Coast Community Bancorp E10?

West Coast Community Bancorp WCCB 79 E10 is $3.30 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 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 Jun. 2026 was $1.160. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $3.30 for the trailing ten years ended in Jun. 2026.

During the past 12 months, West Coast Community Bancorp's average E10 Growth Rate was 17.00% per year. During the past 3 years, the average E10 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of West Coast Community Bancorp was 25.20% per year. The lowest was 18.20% per year. And the median was 21.70% per year.

As of today (2026-08-03), West Coast Community Bancorp's current stock price is $55.00. West Coast Community Bancorp's E10 for the quarter that ended in Jun. 2026 was $3.30. West Coast Community Bancorp's Shiller PE Ratio of today is 16.67.

During the past 13 years, the highest Shiller PE Ratio of West Coast Community Bancorp was 19.98. The lowest was 11.14. And the median was 14.71.


West Coast Community Bancorp  (OTCPK:WCCB) 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
=55.00/3.30
=16.67

* 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 19.98. The lowest was 11.14. And the median was 14.71.


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


West Coast Community Bancorp E10 Historical Data

* Premium members only.

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.

West Coast Community Bancorp E10 Chart

West Coast Community Bancorp Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.34 1.83 2.24 2.63 3.02

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
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 2.82 2.92 3.02 3.18 3.30

WCCB vs BWB, SFST, UNTY: E10 Comparison

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 Shiller PE Ratio vs 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.


WCCB
79GF Score
West Coast Community Bancorp WCCB
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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 Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=1.16/333.9520*333.9520
=1.160

Current CPI (Jun. 2026) = 333.9520.

West Coast Community Bancorp Quarterly Data

per share eps CPI Adj_EPS
201512 0.281 236.525 0.397
201603 0.285 238.132 0.400
201606 0.289 241.018 0.400
201609 0.310 241.428 0.429
201612 0.346 241.432 0.479
201703 0.355 243.801 0.486
201706 0.400 244.955 0.545
201709 0.395 246.819 0.534
201712 0.159 246.524 0.215
201803 0.473 249.554 0.633
201806 0.509 251.989 0.675
201809 0.550 252.439 0.728
201812 0.591 251.233 0.786
201912 0.000 256.974 0.000
202003 0.514 258.115 0.665
202006 0.445 257.797 0.576
202009 0.627 260.280 0.804
202012 0.477 260.474 0.612
202103 0.680 264.877 0.857
202106 0.620 271.696 0.762
202109 0.640 274.310 0.779
202112 0.550 278.802 0.659
202203 0.630 287.504 0.732
202206 0.740 296.311 0.834
202209 1.040 296.808 1.170
202212 1.180 296.797 1.328
202303 1.050 301.836 1.162
202306 0.980 305.109 1.073
202309 1.080 307.789 1.172
202312 1.060 306.746 1.154
202403 1.100 312.332 1.176
202406 0.970 314.175 1.031
202409 0.960 315.301 1.017
202412 0.360 315.605 0.381
202503 1.100 319.799 1.149
202506 1.220 322.561 1.263
202509 1.140 324.800 1.172
202512 1.310 324.054 1.350
202603 1.430 330.213 1.446
202606 1.160 333.952 1.160

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

Frequently Asked Questions Learn more about E10 →
What does a E10 of $3.30 mean?
West Coast Community Bancorp (WCCB) has a E10 of $3.30 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on West Coast Community Bancorp and its competitors.
Is West Coast Community Bancorp's E10 too high?
West Coast Community Bancorp's current E10 is $3.30. 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 E10 compare to BWB and SFST?
West Coast Community Bancorp's E10 of $3.30 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on West Coast Community Bancorp and its competitors. West Coast Community Bancorp's current E10 is $3.30. 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 E10 is $3.30. 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 E10 calculated?
E10 is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current E10 is $3.30 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:

  • E10: $3.30
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$55.00
Price
$47.15
GF Value