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West Coast Community Bancorp (West Coast Community Bancorp) Intrinsic Value: Projected FCF : $22.43 (As of May. 04, 2024)


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What is West Coast Community Bancorp Intrinsic Value: Projected FCF?

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2024-05-04), West Coast Community Bancorp's Intrinsic Value: Projected FCF is $22.43. The stock price of West Coast Community Bancorp is $29.00. Therefore, West Coast Community Bancorp's Price-to-Intrinsic-Value-Projected-FCF of today is 1.3.

The historical rank and industry rank for West Coast Community Bancorp's Intrinsic Value: Projected FCF or its related term are showing as below:

SCZC' s Price-to-Projected-FCF Range Over the Past 10 Years
Min: 1.21   Med: 2.79   Max: 6.05
Current: 1.29

During the past 13 years, the highest Price-to-Intrinsic-Value-Projected-FCF of West Coast Community Bancorp was 6.05. The lowest was 1.21. And the median was 2.79.

SCZC's Price-to-Projected-FCF is ranked worse than
91.94% of 1216 companies
in the Banks industry
Industry Median: 0.44 vs SCZC: 1.29

West Coast Community Bancorp Intrinsic Value: Projected FCF Historical Data

The historical data trend for West Coast Community Bancorp's Intrinsic Value: Projected FCF can be seen below:

* 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.

* Premium members only.

West Coast Community Bancorp Intrinsic Value: Projected FCF Chart

West Coast Community Bancorp Annual Data
Trend Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec20 Dec21 Dec22 Dec23
Intrinsic Value: Projected FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only 5.33 11.71 8.44 12.31 22.43

West Coast Community Bancorp Quarterly Data
Dec17 Mar18 Jun18 Sep18 Dec18 Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Sep23 Dec23
Intrinsic Value: Projected FCF Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 12.31 - - 22.43

Competitive Comparison of West Coast Community Bancorp's Intrinsic Value: Projected FCF

For the Banks - Regional subindustry, West Coast Community Bancorp's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF 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's Price-to-Projected-FCF Distribution in the Banks Industry

For the Banks industry and Financial Services sector, West Coast Community Bancorp's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where West Coast Community Bancorp's Price-to-Projected-FCF falls into.



West Coast Community Bancorp Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


Add all the Free Cash Flow together and divide 6 will get West Coast Community Bancorp's Free Cash Flow(6 year avg) = $0.34.

West Coast Community Bancorp's Intrinsic Value: Projected FCF for today is calculated as

Intrinsic Value: Projected FCF=(Growth Multiple*Free Cash Flow (6 year avg)+Total Stockholders Equity (Dec23)*0.8)/Shares Outstanding (Diluted Average)
=(14.862653310476*0.34057142857143+230.036*0.8)/8.432
=22.43

* 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  (OTCPK:SCZC) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

West Coast Community Bancorp's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=29.00/22.425355202836
=1.29

* 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 Intrinsic Value: Projected FCF Related Terms

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West Coast Community Bancorp (West Coast Community Bancorp) Business Description

Traded in Other Exchanges
N/A
Address
75 River Street, Santa Cruz, CA, USA, 95060
West Coast Community Bancorp Formerly Santa Cruz County Bank is a community bank. It offers personal banking, business banking, and lending solutions for businesses and individuals in Santa Cruz County. It has full-service offices located in Aptos, Capitola, Santa Cruz, Monterey, Cupertino, Scotts Valley, and Watsonville counties. Its products and services include Checking and Savings accounts, Mobile banking, Business checking, and savings accounts, Merchant credit card services, etc. The bank also operates self-serve ATM and Night depositories.