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West Coast Community BancorpWCCB 78 Equity-to-Asset is 0.14 as of Jun. 2026, which is 17% above its 10-year median of 0.12. GuruFocus rates WCCB with a GF Score™ of 78/100 and a GF Value™ of $47.60 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,521 Banks companies, West Coast Community Bancorp ranks better than 83.17% on this metric.
West Coast Community Bancorp (OTCPK:WCCB) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
West Coast Community Bancorp Equity-to-Asset Related Terms
West Coast Community Bancorp Equity-to-Asset Historical Data
* 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 Equity-to-Asset Chart
WCCB vs HBCP, BWFG, CIVB: Equity-to-Asset Comparison
For the Banks - Regional subindustry, West Coast Community Bancorp's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset 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 Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, West Coast Community Bancorp's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where West Coast Community Bancorp's Equity-to-Asset falls into.
West Coast Community Bancorp Equity-to-Asset Calculation
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
West Coast Community Bancorp's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* 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 (WCCB) has a Equity-to-Asset of 0.14 as of Jun. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on West Coast Community Bancorp and its competitors. This is 17% above median its historical median of 0.12. Over the past decade, West Coast Community Bancorp's Equity-to-Asset has ranged from 0.09 to 0.14. According to the industry distribution chart, West Coast Community Bancorp ranks #256 out of 1521 companies in the Banks industry, placing it in the top 16.8%.
Is West Coast Community Bancorp's Equity-to-Asset too high?
West Coast Community Bancorp's current Equity-to-Asset of 0.14 is 17% above median its 10-year median of 0.12. Over the past 10 years, this metric has ranged from a low of 0.09 to a high of 0.14. The Banks industry median Equity-to-Asset is 0.10. West Coast Community Bancorp's value of 0.14 is 40% above this industry median. Based on the distribution chart, West Coast Community Bancorp ranks #256 out of 1521 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, West Coast Community Bancorp has a GF Score™ of 78/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does West Coast Community Bancorp's Equity-to-Asset compare to HBCP and BWFG?
According to the Banks industry distribution chart, West Coast Community Bancorp ranks #256 out of 1521 companies for Equity-to-Asset. This places West Coast Community Bancorp in the top 17% of its industry — outperforming the majority of peers. The industry median Equity-to-Asset is 0.10. West Coast Community Bancorp's value of 0.14 is 40% above this benchmark. Historically, West Coast Community Bancorp's own Equity-to-Asset has ranged from 0.09 to 0.14 over the past decade. While the company's 10-year median is 0.12 vs. the industry median of 0.10, West Coast Community Bancorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. West Coast Community Bancorp's current Equity-to-Asset of 0.14 is 40% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on West Coast Community Bancorp and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Coast Community Bancorp's current Equity-to-Asset is 0.14, which is 17% above median its own 10-year median of 0.12. 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 Fairly Valued. The stock's GF Value™ is $47.60, compared to a current price of $52.10 — trading 9.5% above its estimated fair value. The current Equity-to-Asset is 0.14, which is 17% above median its 10-year median of 0.12 and 40% above the Banks industry median of 0.10. West Coast Community Bancorp's overall GF Score™ is 78/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current Equity-to-Asset is 0.14 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 $52.10 is trading 9.5% above its estimated GF Value™ of $47.60.
GuruFocus considers West Coast Community Bancorp to be Fairly Valued.
Key valuation signals for WCCB:
Equity-to-Asset: 0.14 (17% above median its 10-year median of 0.12)
GF Value™: $47.60 vs. price of $52.10 (9.5% above fair value)
Industry Position: 40% above the Banks median (#256 of 1521)
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 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.
78GF Score
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