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West Coast Community BancorpWCCB 79 Return-on-Tangible-Asset is 1.70% as of Jun. 2026, which is 18% above its 10-year median of 1.44. 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 1,527 Banks companies, West Coast Community Bancorp ranks better than 86.71% on this metric.
West Coast Community Bancorp (OTCPK:WCCB) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
West Coast Community Bancorp Return-on-Tangible-Asset Related Terms
West Coast Community Bancorp Return-on-Tangible-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 Return-on-Tangible-Asset Chart
WCCB vs BWB, SFST, UNTY: Return-on-Tangible-Asset Comparison
For the Banks - Regional subindustry, West Coast Community Bancorp's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-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 Return-on-Tangible-Asset vs Banks Industry
For the Banks industry and Financial Services sector, West Coast Community Bancorp's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where West Coast Community Bancorp's Return-on-Tangible-Asset falls into.
* 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Jun. 2026) net income data.
What does a Return-on-Tangible-Asset of 1.70% mean?
West Coast Community Bancorp (WCCB) has a Return-on-Tangible-Asset of 1.70% as of Jun. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on West Coast Community Bancorp and its competitors. This is 18% above median its historical median of 1.44. Over the past decade, West Coast Community Bancorp's Return-on-Tangible-Asset has ranged from 1.11 to 2.02. According to the industry distribution chart, West Coast Community Bancorp ranks #203 out of 1527 companies in the Banks industry, placing it in the top 13.3%.
Is West Coast Community Bancorp's Return-on-Tangible-Asset too high?
West Coast Community Bancorp's current Return-on-Tangible-Asset of 1.70% is 18% above median its 10-year median of 1.44. Over the past 10 years, this metric has ranged from a low of 1.11 to a high of 2.02. The Banks industry median Return-on-Tangible-Asset is 1.01. West Coast Community Bancorp's value of 1.70% is 68.3% above this industry median. Based on the distribution chart, West Coast Community Bancorp ranks #203 out of 1527 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 79/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Coast Community Bancorp's Return-on-Tangible-Asset compare to BWB and SFST?
According to the Banks industry distribution chart, West Coast Community Bancorp ranks #203 out of 1527 companies for Return-on-Tangible-Asset. This places West Coast Community Bancorp in the top 13% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Asset is 1.01. West Coast Community Bancorp's value of 1.70% is 68.3% above this benchmark. Historically, West Coast Community Bancorp's own Return-on-Tangible-Asset has ranged from 1.11 to 2.02 over the past decade. While the company's 10-year median is 1.44 vs. the industry median of 1.01, 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 Return-on-Tangible-Asset for a Banks company?
The median Return-on-Tangible-Asset among Banks companies is 1.01, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. West Coast Community Bancorp's current Return-on-Tangible-Asset of 1.70% is 68.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on West Coast Community Bancorp and its competitors. For the Banks industry, the median Return-on-Tangible-Asset is 1.01 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. West Coast Community Bancorp's current Return-on-Tangible-Asset is 1.70%, which is 18% above median its own 10-year median of 1.44. 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 Return-on-Tangible-Asset is 1.70%, which is 18% above median its 10-year median of 1.44 and 68.3% above the Banks industry median of 1.01. 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 Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current Return-on-Tangible-Asset is 1.70% 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:
Return-on-Tangible-Asset: 1.70% (18% above median its 10-year median of 1.44)
GF Value™: $47.15 vs. price of $55.00 (16.6% above fair value)
Industry Position: 68.3% above the Banks median (#203 of 1527)
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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Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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