West Coast Community Bancorp
WCCBFinancial·Banks - Regional·USA·Small·NASD·Nov 11 • 3:59 PM ET
63.36-0.05 (-0.08%)
2026-11-11 23:33 CET
Market cap
667.36 USD m
Revenue, TTM
- USD m
Net income, TTM
57.66 USD m
Free cash flow, TTM
- USD m
EPS diluted, TTM
5.48
P/E
11.56
Price
WCCB against its 20, 50 and 200-day averages2050200beatmiss
1.1% under the 52-week high of 64.06 on 5 Nov 2026. 52-week low 40.20 on 29 Oct 2025. Last 15 sessions, 5.3% high to low
Volume 3.21× normal · the line is the 50-bar volume average
Profile
WCCB52-week range, 97% of the way up
40.7564.06
West Coast Community Bancorp engages in providing banking services through its subsidiaries. It offers personal, business, and lending banking services. The company was founded in February 2004 and is headquartered in Santa Cruz, CA.
| IPO | Mar 30, 2004 |
|---|---|
| Beta | 0.39 |
| ATR, 14d | 1.02 |
| Rel volume | 3.21 |
| Short float | 0.26% |
| Insider own | 8.94% |
| Inst own | 7.53% |
Snapshot
6 groupsValuation
| Index | - |
|---|---|
| Market Cap | 666.83M |
| Enterprise Value | - |
| Income | 57.66M |
| Sales | 180.59M |
| Book/sh | 38.25 |
| Cash/sh | - |
| Dividend Est. | 1.02 (1.61%) |
| Dividend TTM | 1.01 (1.59%) |
| Dividend Ex-Date | Nov 02, 2026 |
| Dividend Gr. 3/5Y | 22.31% 43.77% |
| Payout | 18.08% |
| Employees | - |
| IPO | Mar 30, 2004 |
Ratios
| P/E | 11.56 |
|---|---|
| Forward P/E | 11.14 |
| PEG | 1.58 |
| P/S | 3.69 |
| P/B | 1.66 |
| P/C | - |
| P/FCF | - |
| EV/EBITDA | - |
| EV/Sales | - |
| Quick Ratio | - |
| Current Ratio | 0.14 |
| Debt/Eq | 0.02 |
| LT Debt/Eq | 0.02 |
| Option/Short | No / Yes |
Earnings
| EPS (ttm) | 5.48 |
|---|---|
| EPS next Y | 5.69 |
| EPS next Q | 1.39 |
| EPS this Y | 13.50% |
| EPS next Y | 2.52% |
| EPS next 5Y | 7.06% |
| EPS past 3/5Y | 9.50% 18.20% |
| Sales past 3/5Y | 30.99% 25.23% |
| EPS Y/Y TTM | 44.03% |
| Sales Y/Y TTM | 5.91% |
| EPS Q/Q | 39.58% |
| Sales Q/Q | 6.40% |
| Earnings | Oct 27 BMO |
| EPS/Sales Surpr. | 11.11% 1.60% |
Ownership
| Insider Own | 8.94% |
|---|---|
| Insider Trans | 0.00% |
| Inst Own | 7.53% |
| Inst Trans | 3.00% |
| ROA | 1.98% |
| ROE | 14.96% |
| ROIC | 14.03% |
| Gross Margin | - |
| Oper. Margin | 43.72% |
| Profit Margin | 31.93% |
| SMA20 | 1.72% |
| SMA50 | 4.08% |
| SMA200 | 20.74% |
| Trades | - |
Technical
| Shs Outstand | 10.52M |
|---|---|
| Shs Float | 9.58M |
| Short Float | 0.26% |
| Short Ratio | 0.66 |
| Short Interest | 0.02M |
| 52W High | 64.06 -1.09% |
| 52W Low | 40.75 55.48% |
| Volatility | 1.95% 1.64% |
| ATR (14) | 1.02 |
| RSI (14) | 65.95 |
| Beta | 0.39 |
| Rel Volume | 3.21 |
| Avg Volume | 37.91K |
| Volume | 121,717 |
Performance
| Perf Week | 0.02% |
|---|---|
| Perf Month | 3.87% |
| Perf Quarter | 16.04% |
| Perf Half Y | 27.87% |
| Perf YTD | 44.00% |
| Perf Year | 53.04% |
| Perf 3Y | 142.29% |
| Perf 5Y | 155.23% |
| Perf 10Y | 399.45% |
| Recom | 1.00 |
| Target Price | 73.50 |
| Prev Close | 63.41 |
| Price | 63.36 |
| Change % | -0.08% |
Peers
Mkt cap| Ticker | Company | Mkt cap |
|---|---|---|
| BMRC | Bank of Marin Bancorp | 461.93M |
| FSBC | Five Star Bancorp | 1.09B |
| BCAL | California Bancorp | 700.29M |
| TCBK | Trico Bancshares | 1.66B |
| CWBC | Community West Bancshares | 702.33M |
| WABC | Westamerica Bancorporation | 1.38B |
| BSRR | Sierra Bancorp | 544.84M |
| PLBC | Plumas Bancorp | 435.47M |
| OVLY | Oak Valley Bancorp | 291.50M |
| CVBF | CVB Financial Corp | 3.95B |
Held by
AUM| Ticker | Company | AUM |
|---|---|---|
| AIMS | Acuitas Small Cap Active ETF | AUM: 82.88M |
Quarterly earnings
actual against estimate| Period | Reported | EPS act | EPS est | EPS rep | Sales act | Sales est | Analysts |
|---|---|---|---|---|---|---|---|
| 2026Q3 | 2026-10-27 | 1.500 | 1.350 | 1.590 | 38.41 | 37.80 | 2 |
| 2026Q2 | 2026-07-21 | 1.280 | 1.255 | 1.157 | 32.80 | 36.20 | 2 |
| 2026Q4 | - | - | 1.390 | - | - | 38.66 | 2 |
| 2027Q1 | - | - | 1.360 | - | - | 38.24 | 2 |
| 2027Q2 | - | - | 1.410 | - | - | 39.14 | 2 |
| 2027Q3 | - | - | 1.440 | - | - | 40.24 | 2 |
| 2027Q4 | - | - | 1.480 | - | - | 41.03 | 2 |
| 2028Q1 | - | - | 1.460 | - | - | 40.55 | 2 |
| 2028Q2 | - | - | 1.480 | - | - | 41.57 | 2 |
| 2028Q3 | - | - | 1.525 | - | - | 42.65 | 2 |
| 2028Q4 | - | - | 1.540 | - | - | 43.31 | 2 |
Annual earnings
| Period | EPS act | EPS est | EPS rep | Sales act | Sales est |
|---|---|---|---|---|---|
| 2025FY | 4.890 | 4.765 | 4.760 | 132.29 | 139.7 |
| 2026FY | - | 5.550 | - | - | 149.12 |
| 2027FY | - | 5.690 | - | - | 158.66 |
| 2028FY | - | 6.000 | - | - | 168.09 |
Estimate revisions
last 14 periods| Period | Type | Date | Estimates | Up | Down | Mean | Low | High |
|---|---|---|---|---|---|---|---|---|
| 2026Q4 | S | 2026-10-28 | 1 | 0 | 0 | 38.66 | 38.66 | 38.66 |
| 2026Q4 | S | 2026-10-27 | 1 | 0 | 0 | 38.50 | 38.50 | 38.50 |
| 2026Q4 | S | 2026-09-30 | 1 | 0 | 0 | 38.50 | 38.50 | 38.50 |
| 2026Q4 | S | 2026-07-22 | 1 | 0 | 0 | 38.30 | 38.30 | 38.30 |
| 2026Q4 | S | 2026-07-21 | 1 | 0 | 0 | 38.26 | 38.26 | 38.26 |
| 2026Q4 | S | 2026-07-05 | 1 | 0 | 0 | 38.30 | 38.30 | 38.30 |
| 2026Q4 | S | 2026-06-22 | 1 | 1 | 0 | 38.30 | 38.30 | 38.30 |
| 2026Q4 | S | 2026-04-21 | 1 | 1 | 0 | 38.10 | 38.10 | 38.10 |
| 2026Q4 | S | 2026-04-12 | 1 | 0 | 0 | 37.70 | 37.70 | 37.70 |
| 2026Q4 | S | 2026-04-01 | 1 | 1 | 0 | 37.70 | 37.70 | 37.70 |
| 2026Q4 | S | 2026-01-27 | 1 | 1 | 0 | 37.90 | 37.90 | 37.90 |
| 2026Q4 | S | 2025-11-11 | 1 | 0 | 0 | 36.50 | 36.50 | 36.50 |
| 2026Q4 | S | 2025-11-10 | 1 | 0 | 0 | 36.50 | 36.50 | 36.50 |
| 2026Q4 | S | 2025-11-09 | 1 | 0 | 0 | 36.50 | 36.50 | 36.50 |
Estimate history
| EPS, annual | 1.253 | 2.098 | 2.033 | 2.062 | 1.246 | 3.624 | 4.169 | 3.281 | 4.758 | 5.4788 |
|---|---|---|---|---|---|---|---|---|---|---|
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| EPS, quarterly | 0.96 | 0.36 | 1.1 | 1.22 | 1.138 | 1.305 | 1.429 | 1.157 | 1.588 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Sales, annual | 29.631 | 33.832 | 40.822 | 55.908 | 68.127 | 76.605 | 98.485 | 124.197 | 172.163 | 180.59 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
| Sales, quarterly | 27.129 | 43.05 | 41.044 | 42.247 | 44.168 | 44.985 | 44.543 | 44.069 | 46.994 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 | |
| Shares, annual | 5.33 | 5.387 | 8.47 | 8.475 | 8.536 | 8.477 | 8.407 | 10.556 | 10.556 | 10.525 |
| Period | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | MRQ |
| Shares, quarterly | 8.438 | 10.556 | 10.586 | 10.577 | 10.537 | 10.556 | 10.5 | 10.514 | 10.525 | |
| Period | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 | Q2 '26 | Q3 '26 |
Income statement, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Interest Income | 175.46 | 168.28 | 120.48 | 94.91 | 72.06 | 63.35 | 51.70 | 37.37 | 30.61 |
| Total Interest Expense | 35.26 | 32.91 | 24.51 | 12.15 | 1.85 | 1.82 | 2.71 | 2.19 | 1.33 |
| Net Interest Income | 140.20 | 135.37 | 95.97 | 82.76 | 70.21 | 61.53 | 48.99 | 35.19 | 29.28 |
| Loan Loss Provision | 2.63 | 6.96 | 7.04 | 1.41 | 1.59 | 6.86 | 2.82 | 0.45 | 0.69 |
| Net Interest Income After Loan Loss Provision | 137.57 | 128.41 | 88.93 | 81.35 | 68.62 | 54.68 | 46.17 | 34.74 | 28.59 |
| Non-Interest Income | 5.13 | 3.88 | 3.72 | 3.57 | 4.54 | 4.78 | 4.21 | 3.45 | 3.22 |
| Non-Interest Expense | 63.75 | 61.53 | 43.16 | 35.15 | 29.40 | 29.39 | 25.35 | 17.41 | 15.94 |
| Operating Income | 78.95 | 70.76 | 49.49 | 49.77 | 43.76 | 30.07 | 25.03 | 20.77 | 15.87 |
| Unusual Expense | 0.20 | 0.70 | 7.05 | 0.00 | 0.00 | 0.00 | 0.35 | 3.34 | 0.00 |
| Net Income Before Taxes | 78.72 | 70.06 | 41.94 | 49.77 | 43.76 | 30.07 | 24.68 | 17.43 | 15.87 |
| Income Taxes | 21.06 | 19.64 | 12.36 | 14.62 | 12.81 | 8.79 | 7.13 | 5.15 | 4.49 |
| Consolidated Net Income | 57.66 | 50.43 | 29.58 | 35.15 | 30.94 | 21.27 | 17.55 | 12.28 | 11.38 |
| Net Income From Continuing Operations | 57.66 | 50.43 | 29.58 | 35.15 | 30.94 | 21.27 | 17.55 | 12.28 | 11.38 |
| Net Income | 57.66 | 50.43 | 29.58 | 35.15 | 30.94 | 21.27 | 17.55 | 12.28 | 11.38 |
| EPS (Recurring) | - | 4.80 | 3.83 | 4.17 | 3.62 | 1.25 | 2.09 | 2.42 | 2.10 |
| EPS (Basic, Before Extraordinaries) | 5.54 | 4.81 | 3.32 | 4.19 | 3.63 | 1.25 | 2.07 | 2.05 | 2.13 |
| EPS (Diluted) | 5.48 | 4.76 | 3.28 | 4.17 | 3.62 | 1.25 | 2.06 | 2.03 | 2.10 |
| Non-Operating Income (Expense) | -0.03 | 0.00 | -0.51 | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | - | 0.98 | 0.67 | 0.44 | 0.46 | 0.52 | 0.25 | 0.51 | 0.50 |
| Price To Earnings Ratio | 11.57 | 11.57 | 10.21 | 6.98 | 8.46 | 9.44 | 9.82 | 21.43 | 18.61 |
| Price To Sales Ratio | 3.53 | 2.71 | 3.02 | 2.56 | 2.79 | 5.94 | 2.80 | 3.55 | 3.32 |
| Operating Margin | 43.72 | 41.10 | 39.85 | 50.54 | 57.12 | 44.13 | 44.77 | 50.88 | 46.90 |
| Net Margin | 31.93 | 29.29 | 23.82 | 35.69 | 40.39 | 31.23 | 31.39 | 30.07 | 33.64 |
| Shares Outstanding | 10.52 | 10.56 | 10.56 | 8.41 | 8.48 | 8.54 | 8.48 | 8.47 | 5.39 |
| Market Capitalization | 667.36 | 667.36 | 435.48 | 255.60 | 213.85 | 200.81 | 171.66 | 222.33 | 122.82 |
Income statement, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 | 2025Q1 | 2024Q4 |
|---|---|---|---|---|---|---|---|---|
| Interest Income | 45.97 | 43.07 | 42.49 | 43.93 | 43.16 | 41.09 | 40.10 | 42.14 |
| Total Interest Expense | 8.55 | 9.76 | 7.75 | 9.20 | 8.25 | 8.00 | 7.47 | 8.06 |
| Net Interest Income | 37.42 | 33.31 | 34.74 | 34.73 | 34.91 | 33.09 | 32.63 | 34.08 |
| Loan Loss Provision | 0.01 | 1.51 | -0.36 | 1.47 | 3.49 | 0.62 | 1.38 | 7.94 |
| Net Interest Income After Loan Loss Provision | 37.41 | 31.80 | 35.10 | 33.26 | 31.43 | 32.47 | 31.25 | 26.14 |
| Non-Interest Income | 1.02 | 1.00 | 2.05 | 1.05 | 1.01 | 1.16 | 0.94 | 0.91 |
| Non-Interest Expense | 16.25 | 15.87 | 16.04 | 15.59 | 15.34 | 15.35 | 15.25 | 21.56 |
| Operating Income | 22.18 | 16.93 | 21.11 | 18.72 | 17.09 | 18.28 | 16.95 | 5.49 |
| Unusual Expense | 0.00 | 0.00 | 0.00 | 0.20 | 0.15 | 0.10 | 0.25 | 0.00 |
| Net Income Before Taxes | 22.15 | 16.93 | 21.11 | 18.52 | 16.94 | 18.14 | 16.46 | 5.49 |
| Income Taxes | 5.41 | 4.77 | 6.13 | 4.75 | 4.88 | 5.22 | 4.79 | 1.65 |
| Consolidated Net Income | 16.74 | 12.16 | 14.99 | 13.77 | 12.06 | 12.92 | 11.68 | 3.84 |
| Net Income From Continuing Operations | 16.74 | 12.16 | 14.99 | 13.77 | 12.06 | 12.92 | 11.68 | 3.84 |
| Net Income | 16.74 | 12.16 | 14.99 | 13.77 | 12.06 | 12.92 | 11.68 | 3.84 |
| EPS (Recurring) | 1.59 | 1.16 | 1.43 | - | - | - | 1.12 | 0.36 |
| EPS (Basic, Before Extraordinaries) | 1.61 | 1.17 | 1.45 | 1.30 | 1.15 | 1.22 | 1.10 | 0.37 |
| EPS (Diluted) | 1.59 | 1.16 | 1.43 | 1.30 | 1.14 | 1.22 | 1.10 | 0.36 |
| Non-Operating Income (Expense) | -0.03 | 0.00 | 0.00 | 0.00 | -0.00 | -0.05 | -0.23 | 0.00 |
| Other After Tax Adjustments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Stock Option Compensation Expense | 0.37 | - | - | - | - | - | - | - |
| Price To Earnings Ratio | 11.57 | 9.82 | 9.97 | 11.53 | 11.65 | 11.55 | 11.62 | 10.21 |
| Price To Sales Ratio | 3.53 | 2.96 | 2.83 | 2.69 | 2.64 | 2.70 | 3.03 | 3.59 |
| Operating Margin | 47.20 | 38.42 | 47.40 | 41.62 | 38.69 | 43.27 | 41.29 | 12.75 |
| Net Margin | 35.62 | 27.60 | 33.65 | 30.61 | 27.31 | 30.58 | 28.45 | 8.92 |
| Shares Outstanding | 10.52 | 10.51 | 10.50 | 10.56 | 10.54 | 10.58 | 10.59 | 10.56 |
| Market Capitalization | 667.36 | 529.38 | 502.91 | 465.85 | 448.91 | 414.40 | 411.85 | 435.48 |
Balance sheet, annual
| Metric | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY | 2017FY |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Due from Banks | 190.68 | 84.76 | 33.94 | 42.69 | 135.63 | 12.53 | 19.33 | 11.55 | 12.31 |
| Investments | 406.61 | 423.35 | 323.20 | 412.15 | 376.94 | 147.96 | 261.59 | 170.01 | 183.03 |
| Net Loans | 2,134.29 | 2,013.59 | 1,353.65 | 1,201.03 | 1,112.32 | 1,189.23 | 723.42 | 461.34 | 420.34 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Customer Liability on Acceptances | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 15.01 | 16.18 | 15.22 | 19.62 | 17.14 | 15.86 | 12.59 | 3.10 | 0.76 |
| Interest Receivables | 11.07 | 10.70 | 8.14 | 6.83 | 5.39 | 0.01 | 3.22 | 2.40 | 2.10 |
| Deferred Tax Assets | 37.62 | 42.87 | 16.69 | 18.54 | - | 9.79 | 8.46 | 5.56 | 5.01 |
| Other Intangible Assets | 101.73 | 104.06 | 48.67 | 49.19 | 53.83 | 52.43 | 46.87 | 10.12 | 7.70 |
| Total Assets | 2,897.02 | 2,695.51 | 1,799.52 | 1,750.05 | 1,701.25 | 1,427.80 | 1,075.48 | 664.08 | 631.26 |
| Total Deposits | 2,477.05 | 2,310.48 | 1,515.09 | 1,530.78 | 1,496.34 | 1,194.78 | 904.35 | 584.13 | 562.66 |
| Total Debt | 12.80 | 18.77 | 36.92 | 4.81 | 5.05 | 46.02 | 5.69 | 0.00 | 6.03 |
| Long Term Debt | 11.66 | 17.25 | 36.12 | 4.00 | 4.29 | 46.02 | 5.06 | 0.00 | 5.37 |
| Provision for Risks Charges | 2.97 | 2.18 | 1.78 | 0.40 | 0.38 | 0.00 | 0.00 | 0.00 | 0.00 |
| Deferred Tax Liabilities | 13.34 | 15.08 | 5.16 | 5.56 | - | 4.93 | 4.50 | 1.67 | 1.29 |
| Other Liabilities | 14.04 | 16.02 | 10.53 | 10.81 | 13.39 | 13.58 | 10.48 | 9.76 | 3.99 |
| Total Liabilities | 2,520.19 | 2,362.53 | 1,569.48 | 1,552.38 | 1,515.16 | 1,259.31 | 925.01 | 595.56 | 573.98 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 376.83 | 332.98 | 230.04 | 197.68 | 186.09 | 168.49 | 151.10 | 68.52 | 57.28 |
| Total Shareholders Equity | 376.83 | 332.98 | 230.04 | 197.68 | 186.09 | 168.49 | 151.10 | 68.52 | 57.28 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 376.83 | 332.98 | 230.04 | 197.68 | 186.09 | 168.49 | 151.10 | 68.52 | 57.28 |
| Total Liabilities & Stockholders Equity | 2,897.02 | 2,695.51 | 1,799.52 | 1,750.05 | 1,701.25 | 1,427.80 | 1,076.11 | 664.08 | 631.26 |
| Book Value Per Share | 35.70 | 31.54 | 27.36 | 23.32 | 21.80 | 19.88 | 17.84 | 12.72 | 10.75 |
| Tangible Book Value Per Share | 29.64 | 25.09 | 24.10 | 20.04 | 18.50 | 16.50 | 14.38 | 12.72 | 10.75 |
| Tier 1 Capital | 316.79 | 277.35 | 212.43 | 186.07 | 159.96 | 139.17 | 121.77 | 68.73 | 57.72 |
| Tier 2 Capital | 38.81 | 40.00 | 19.43 | 17.05 | 14.75 | 12.15 | 10.15 | 6.43 | 6.25 |
| Price to Book Ratio | 1.66 | 1.37 | 1.15 | 1.14 | 1.08 | 1.02 | 1.47 | 1.79 | 2.30 |
| Return on Assets | 1.80 | 1.32 | 1.98 | 1.79 | 1.36 | 1.40 | 1.41 | 1.76 | 1.11 |
| Return on Equity | 14.21 | 10.51 | 16.44 | 16.13 | 12.00 | 10.98 | 11.18 | 18.09 | 12.52 |
| Return on Invested Capital | 12.98 | 8.45 | 13.21 | 15.34 | 11.17 | 8.18 | 7.86 | 16.61 | 10.79 |
| Current Ratio | 0.09 | 0.05 | 0.04 | 0.06 | 0.23 | 0.12 | 0.55 | 0.44 | 0.58 |
Cash flow, annual
| Metric | TTM | 2025FY | 2024FY | 2023FY | 2022FY | 2021FY | 2020FY | 2019FY | 2018FY |
|---|---|---|---|---|---|---|---|---|---|
| Funds from Operations | - | 53.06 | 15.67 | 39.79 | 33.93 | 16.03 | 16.26 | 12.82 | 12.42 |
| Extraordinary Item | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Changes in Working Capital | - | -1.72 | 7.71 | -0.95 | -4.65 | 3.45 | 2.77 | 2.09 | -0.91 |
| Cash from Operating Activities | - | 51.34 | 23.38 | 38.85 | 29.28 | 19.48 | 19.04 | 14.91 | 11.51 |
| Capital Expenditures | - | -3.87 | -0.94 | -1.27 | -3.74 | -4.20 | -4.93 | -0.44 | -5.00 |
| Net Assets From Acquisitions | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Fixed Assets and Businesses | - | 0.00 | 45.02 | 4.15 | 0.00 | 0.00 | 0.00 | 55.29 | 0.00 |
| Purchase or Sale of Investments | - | 31.58 | 115.64 | 60.50 | -73.14 | -226.83 | 11.32 | -7.45 | -1.55 |
| Purchase of Investments | - | -106.42 | -7.95 | -15.25 | -103.86 | -241.04 | -13.93 | -43.61 | -11.89 |
| Sale Or Maturity of Investments | - | 138.00 | 123.59 | 75.75 | 30.72 | 14.21 | 25.25 | 36.16 | 10.33 |
| Federal Home Loan Advances Increase (Decrease) | - | 0.00 | 0.00 | 0.00 | 0.00 | -1.92 | -0.14 | -0.16 | -0.06 |
| Other Uses | - | -0.95 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Sources | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Investing Activities | - | -90.13 | 163.46 | -57.79 | -154.64 | -152.09 | -386.20 | -17.34 | -47.27 |
| Cash Dividends Paid | - | -8.65 | -6.17 | -3.86 | -4.04 | -1.89 | -1.16 | -0.84 | -0.67 |
| Preferred Dividends (Cash Flow) | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Change in Capital Stock | - | -7.88 | 0.57 | -2.76 | -1.78 | 0.20 | 0.02 | 0.10 | 0.20 |
| Repurchase of Common Pref Stock | - | -8.14 | -0.01 | -3.00 | -2.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Sale of Common Pref Stock | - | 0.26 | 0.58 | 0.24 | 0.22 | 0.20 | 0.02 | 0.10 | 0.20 |
| Proceedsfrom Stock Options | - | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Issuance or Reduction of Debt, Net | - | -5.19 | -32.50 | 32.50 | 0.00 | -40.36 | 40.36 | 0.00 | 0.00 |
| Change in Long Term Debt | - | -5.19 | 0.00 | 32.50 | 0.00 | -40.36 | 0.00 | 0.00 | 0.00 |
| Issuance of Long Term Debt | - | 0.00 | 0.00 | 32.50 | 30.43 | 0.00 | 0.00 | 0.00 | 0.00 |
| Reduction of Long Term Debt | - | -5.19 | 0.00 | 0.00 | -30.43 | -40.36 | 0.00 | 0.00 | 0.00 |
| Net Financing Active Other Cash Flow | - | -0.03 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Financing Activities Uses | - | -0.03 | 0.00 | - | - | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash from Financing Activities | - | 144.81 | -136.02 | 10.19 | 28.63 | 259.50 | 329.67 | 35.54 | 21.00 |
| Net Change in Cash | - | 106.03 | 50.82 | -8.76 | -96.73 | 126.89 | -37.50 | 33.11 | -14.77 |
| Free Cash Flow | - | 48.67 | 22.44 | 37.58 | 25.54 | 16.48 | 15.51 | 14.48 | 8.76 |
| Price to Free Cash Flow | - | 11.65 | 23.08 | 7.49 | 9.95 | 27.74 | 10.92 | 10.63 | 13.90 |
Balance sheet, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|---|---|---|---|---|---|
| Cash & Due from Banks | 116.93 | 146.87 | 161.51 | 190.68 | 143.50 | 40.15 |
| Investments | 394.00 | 403.60 | 393.03 | 406.61 | 450.18 | 381.24 |
| Net Loans | 2,300.39 | 2,236.29 | 2,184.60 | 2,134.29 | 2,090.09 | 2,076.38 |
| Investment in Unconsolidated Affiliates | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Property, Plant & Equipment | 18.81 | 10.81 | 10.37 | 15.01 | 10.21 | 9.60 |
| Interest Receivables | 11.33 | 0.00 | 0.00 | 11.07 | 0.00 | 0.00 |
| Deferred Tax Assets | - | - | - | 37.62 | - | - |
| Other Intangible Assets | 135.25 | 147.63 | 145.56 | 101.73 | 144.19 | 143.07 |
| Total Assets | 2,983.58 | 2,945.20 | 2,895.08 | 2,897.02 | 2,838.17 | 2,650.44 |
| Total Deposits | 2,555.18 | 2,522.69 | 2,474.29 | 2,477.05 | 2,436.10 | 2,260.06 |
| Total Debt | 8.62 | 0.00 | 7.86 | 12.80 | 11.09 | 15.10 |
| Long Term Debt | 8.24 | 0.00 | 7.86 | 11.66 | 11.09 | 11.00 |
| Provision for Risks Charges | 0.00 | 0.00 | 0.00 | 2.97 | 0.00 | 0.00 |
| Deferred Tax Liabilities | - | - | - | 13.34 | - | - |
| Other Liabilities | 17.19 | 24.02 | 24.70 | 14.04 | 22.49 | 18.35 |
| Total Liabilities | 2,580.99 | 2,546.72 | 2,506.84 | 2,520.19 | 2,469.68 | 2,293.51 |
| Preferred Stock - Carrying Value | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Common Equity | 402.59 | 398.49 | 388.23 | 376.83 | 368.50 | 356.92 |
| Total Shareholders Equity | 402.59 | 398.49 | 388.23 | 376.83 | 368.50 | 356.92 |
| Accumulated Minority Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Total Equity | 402.59 | 398.49 | 388.23 | 376.83 | 368.50 | 356.92 |
| Total Liabilities & Stockholders Equity | 2,983.58 | 2,945.20 | 2,895.08 | 2,897.02 | 2,838.17 | 2,650.44 |
| Book Value Per Share | 38.25 | 37.90 | 36.98 | 35.70 | 34.97 | 33.75 |
| Tangible Book Value Per Share | 32.46 | 32.01 | 30.98 | 29.64 | 28.81 | 27.51 |
| Tier 1 Capital | - | - | - | 316.79 | - | - |
| Tier 2 Capital | - | - | - | 38.81 | - | - |
| Price to Book Ratio | 1.66 | 1.35 | 1.33 | 1.26 | 1.26 | 1.20 |
| Return on Assets | 1.98 | 1.89 | 1.94 | 1.80 | 1.75 | 1.68 |
| Return on Equity | 14.96 | 14.03 | 14.64 | 14.21 | 12.96 | 12.15 |
| Return on Invested Capital | 4.07 | 3.05 | 3.78 | 3.55 | 3.18 | 3.51 |
| Current Ratio | 0.14 | 0.07 | 0.07 | 0.09 | 0.07 | 0.02 |
Cash flow, quarterly
| Metric | 2026Q3 | 2026Q2 | 2026Q1 | 2025Q4 | 2025Q3 | 2025Q2 |
|---|
Revenue breakdown
| Revenue split | - |
|---|
Short interest
shares short against float, oldest to newest| Settlement | Of float | Shares short | Float | Avg volume |
|---|---|---|---|---|
| 2026-10-30 | 0.26% | 0.0M | 9.6M | 30.01K |
| 2026-10-15 | 0.22% | 0.0M | 9.6M | 15.55K |
| 2026-09-30 | 0.09% | 0.0M | 9.6M | 7.56K |
| 2026-09-15 | 0.00% | 0.0M | 9.6M | 4.20K |
Option chain
expiry 2026-11-11| Type | Strike | Bid | Ask | Last | IV | Open int | Volume | Delta | Theta | Vega |
|---|---|---|---|---|---|---|---|---|---|---|
| No option chain for this symbol. | ||||||||||
Latest SEC filings
30| Filed | Form | Description | Period | Link |
|---|---|---|---|---|
| 2026-11-10 | 10-Q | Quarterly report pursuant to Section 13 or 15(d) | 2026-09-30 | SEC |
| 2026-10-27 | 8-K | Current report | 2026-10-27 | SEC |
| 2026-10-19 | 8-K | Current report | 2026-10-19 | SEC |
| 2026-09-17 | S-8 | Initial registration statement for securities to be offered to employees pursuant to employee benefit plans | SEC | |
| 2026-09-15 | SEC STAFF ACTION | SEC | ||
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 3 | Initial statement of beneficial ownership of securities | 2026-09-15 | SEC |
| 2026-09-15 | 8-K | Current report | 2026-09-15 | SEC |
| 2026-09-15 | CERT | SEC | ||
| 2026-08-31 | 10-12B | SEC | ||
| 2026-08-14 | DRS/A | SEC | ||
| 2026-04-29 | DRS/A | SEC | ||
| 2026-03-18 | DRS/A | SEC | ||
| 2026-02-13 | DRS | SEC |
Insider activity by month
| Month | Bought | Buys | Sold | Sells |
|---|---|---|---|---|
| 2026-11 | 0 | 0 | 0 | 0 |
| 2026-10 | 0 | 0 | 0 | 0 |
| 2026-09 | 0 | 0 | 0 | 0 |
| 2026-08 | 0 | 0 | 0 | 0 |
| 2026-07 | 0 | 0 | 0 | 0 |
| 2026-06 | 0 | 0 | 0 | 0 |
| 2026-05 | 0 | 0 | 0 | 0 |
| 2026-04 | 0 | 0 | 0 | 0 |
| 2026-03 | 0 | 0 | 0 | 0 |
| 2026-02 | 0 | 0 | 0 | 0 |
| 2026-01 | 0 | 0 | 0 | 0 |
| 2025-12 | 0 | 0 | 0 | 0 |
| 2025-11 | 0 | 0 | 0 | 0 |
Institutional holders
| Manager | % owned |
|---|---|
| BANC FUNDS CO LLC | 2.99% |
| Siena Capital Partners GP, LLC | 2.81% |
| ENDEAVOUR CAPITAL ADVISORS INC | 2.76% |
| M3F, Inc. | 0.42% |
| Creative Planning | 0.30% |
| Western Standard LLC | 0.28% |
| Daytona Street Capital LLC | 0.17% |
| BRIGHTON JONES LLC | 0.11% |
| BINGHAM PRIVATE WEALTH, LLC | 0.10% |
| Baron Wealth Management LLC | 0.09% |
Funds
| Fund | % owned |
|---|---|
| - | |
OakChart. WCCB. Cached 15 minutes.
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