WCCB (West Coast Community Bancorp) Scaled Net Operating Assets: -0.04 (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
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What is West Coast Community Bancorp Scaled Net Operating Assets?

West Coast Community Bancorp WCCB 79 Scaled Net Operating Assets is -0.04 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

West Coast Community Bancorp's operating assets for the quarter that ended in Jun. 2026 was $2,416.5 Mil. West Coast Community Bancorp's operating liabilities for the quarter that ended in Jun. 2026 was $2,546.7 Mil. West Coast Community Bancorp's Total Assets for the quarter that ended in Mar. 2026 was $2,895.1 Mil. Therefore, West Coast Community Bancorp's scaled net operating assets (SNOA) for the quarter that ended in Jun. 2026 was -0.04.

WCCB
79GF Score
West Coast Community Bancorp WCCB
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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West Coast Community Bancorp Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

West Coast Community Bancorp's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(2692.902-2499.067)/2680.428
=0.07

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2883.684 - 190.782
=2692.902

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2506.857 - 7.79 - 0
=2499.067

West Coast Community Bancorp's Scaled Net Operating Assets (SNOA) for the quarter that ended in Jun. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Jun. 2026 )
=(Operating Assets (Q: Jun. 2026 )-Operating Liabilities (Q: Jun. 2026 ))/Total Assets (Q: Mar. 2026 )
=(2416.487-2546.717)/2895.078
=-0.04

where

Operating Assets(Q: Jun. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=2945.205 - 528.718
=2416.487

Operating Liabilities(Q: Jun. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=2546.717 - 0 - 0
=2546.717

* 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.

What does a Scaled Net Operating Assets of -0.04 mean?
West Coast Community Bancorp (WCCB) has a Scaled Net Operating Assets of -0.04 as of Jun. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on West Coast Community Bancorp and its competitors.
Is West Coast Community Bancorp's Scaled Net Operating Assets too high?
West Coast Community Bancorp's current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets compare to BWB and SFST?
West Coast Community Bancorp's Scaled Net Operating Assets of -0.04 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on West Coast Community Bancorp and its competitors. West Coast Community Bancorp's current Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets is -0.04. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For West Coast Community Bancorp (WCCB), the current Scaled Net Operating Assets is -0.04 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:

  • Scaled Net Operating Assets: -0.04
  • 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

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

$55.00
Price
$47.15
GF Value