Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses in Santa Cruz County, California. More Details
No risks detected for SCZC from our risk checks.
Solid track record and good value.
Share Price & News
How has Santa Cruz County Bank's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SCZC is less volatile than 75% of US stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: SCZC's weekly volatility (5%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: SCZC underperformed the US Banks industry which returned 64.6% over the past year.
Return vs Market: SCZC underperformed the US Market which returned 57.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Santa Cruz County Bank's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Santa Cruz County Bank undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SCZC ($50.7) is trading below our estimate of fair value ($66.32)
Significantly Below Fair Value: SCZC is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SCZC is good value based on its PE Ratio (11.1x) compared to the US Banks industry average (13.2x).
PE vs Market: SCZC is good value based on its PE Ratio (11.1x) compared to the US market (22.3x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SCZC's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SCZC is overvalued based on its PB Ratio (1.3x) compared to the US Banks industry average (1.1x).
How is Santa Cruz County Bank forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Banks industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Santa Cruz County Bank has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
How has Santa Cruz County Bank performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SCZC has high quality earnings.
Growing Profit Margin: SCZC's current net profit margins (34.8%) are higher than last year (32.2%).
Past Earnings Growth Analysis
Earnings Trend: SCZC's earnings have grown significantly by 23.6% per year over the past 5 years.
Accelerating Growth: SCZC's earnings growth over the past year (42.8%) exceeds its 5-year average (23.6% per year).
Earnings vs Industry: SCZC earnings growth over the past year (42.8%) exceeded the Banks industry 1.4%.
Return on Equity
High ROE: SCZC's Return on Equity (11.6%) is considered low.
How is Santa Cruz County Bank's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: SCZC's Assets to Equity ratio (7.1x) is low.
Allowance for Bad Loans: Insufficient data to determine if SCZC has a sufficient allowance for bad loans.
Low Risk Liabilities: 98% of SCZC's liabilities are made up of primarily low risk sources of funding.
Loan Level: SCZC has an appropriate level of Loans to Assets ratio (68%).
Low Risk Deposits: SCZC's Loans to Deposits ratio (80%) is appropriate.
Level of Bad Loans: Insufficient data to determine if SCZC has an appropriate level of bad loans.
What is Santa Cruz County Bank current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: SCZC's dividend (0.79%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.26%).
High Dividend: SCZC's dividend (0.79%) is low compared to the top 25% of dividend payers in the US market (3.5%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, SCZC has been paying a dividend for less than 10 years.
Growing Dividend: SCZC's dividend payments have increased, but the company has only paid a dividend for 8 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (6.6%), SCZC's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Krista Snelling (45 yo)
Ms. Krista Snelling has been President and Chief Executive Officer at Santa Cruz County Bank since March 1, 2021. She was Executive Vice President and Chief Operating Officer of Five Star Bank and Five Sta...
Experienced Board: SCZC's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Santa Cruz County Bank's company bio, employee growth, exchange listings and data sources
- Name: Santa Cruz County Bank
- Ticker: SCZC
- Exchange: OTCPK
- Founded: 2003
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$195.670m
- Shares outstanding: 3.86m
- Website: https://www.sccountybank.com
- Santa Cruz County Bank
- 75 River Street
- Santa Cruz
- United States
Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses in Santa Cruz County, California. Its primary deposit products include checking, savings, and...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/13 22:28|
|End of Day Share Price||2021/04/13 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.