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West Coast Community BancorpWCCB 79 PB Ratio is 1.45 as of Aug. 03, 2026, which is 15% above its 10-year median of 1.26. 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. Among 1,515 Banks companies, West Coast Community Bancorp ranks worse than 73.27% on this metric.
West Coast Community Bancorp stock PB Ratio (=1.45) is close to 5-year high of 1.45.
The historical rank and industry rank for West Coast Community Bancorp's PB Ratio or its related term are showing as below:
WCCB'
s PB Ratio Range Over the Past 10 Years
Min: 0.93 Med: 1.26 Max: 2.2
Current: 1.45
During the past 13 years, West Coast Community Bancorp's highest PB Ratio was 2.20. The lowest was 0.93. And the median was 1.26.
WCCB's PB Ratio is ranked worse than 73.27% of 1515
companies
in the Banks industry
Industry Median: 1.11
vs WCCB: 1.45
During the past 12 months, West Coast Community Bancorp's average Book Value Per Share Growth Rate was 12.30% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 15.50% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 12.90% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 15.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of West Coast Community Bancorp was 23.10% per year. The lowest was 9.30% per year. And the median was 15.15% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
West Coast Community Bancorp PB Ratio Related Terms
West Coast Community Bancorp PB Ratio 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.
For the Banks - Regional subindustry, West Coast Community Bancorp's PB Ratio, along with its competitors' market caps and 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 PB Ratio vs Banks Industry
For the Banks industry and Financial Services sector, West Coast Community Bancorp's PB Ratio distribution charts can be found below:
* The bar in red indicates where West Coast Community Bancorp's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
West Coast Community Bancorp (WCCB) has a PB Ratio of 1.45 as of Aug. 03, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on West Coast Community Bancorp and its competitors. This is 15% above median its historical median of 1.26. Over the past decade, West Coast Community Bancorp's PB Ratio has ranged from 0.93 to 2.20. According to the industry distribution chart, West Coast Community Bancorp ranks #1110 out of 1515 companies in the Banks industry, placing it in the top 73.3%.
Is West Coast Community Bancorp's PB Ratio too high?
West Coast Community Bancorp's current PB Ratio of 1.45 is 15% above median its 10-year median of 1.26. Over the past 10 years, this metric has ranged from a low of 0.93 to a high of 2.20. The Banks industry median PB Ratio is 1.11. West Coast Community Bancorp's value of 1.45 is 30.6% above this industry median. Based on the distribution chart, West Coast Community Bancorp ranks #1110 out of 1515 companies in the Banks industry, which is below the industry midpoint. 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 PB Ratio compare to BWB and SFST?
According to the Banks industry distribution chart, West Coast Community Bancorp ranks #1110 out of 1515 companies for PB Ratio. This places West Coast Community Bancorp in the lower half of its industry. The industry median PB Ratio is 1.11. West Coast Community Bancorp's value of 1.45 is 30.6% above this benchmark. Historically, West Coast Community Bancorp's own PB Ratio has ranged from 0.93 to 2.20 over the past decade. While the company's 10-year median is 1.26 vs. the industry median of 1.11, 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 PB Ratio for a Banks company?
The median PB Ratio among Banks companies is 1.11, based on 1,515 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. West Coast Community Bancorp's current PB Ratio of 1.45 is 30.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on West Coast Community Bancorp and its competitors. For the Banks industry, the median PB Ratio is 1.11 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Coast Community Bancorp's current PB Ratio is 1.45, which is 15% above median its own 10-year median of 1.26. 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 PB Ratio is 1.45, which is 15% above median its 10-year median of 1.26 and 30.6% above the Banks industry median of 1.11. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current PB Ratio is 1.45 as of Aug. 03, 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:
PB Ratio: 1.45 (15% above median its 10-year median of 1.26)
GF Value™: $47.15 vs. price of $55.00 (16.6% above fair value)
Industry Position: 30.6% above the Banks median (#1110 of 1515)
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.
79GF Score
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