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OTCM
SCZC
Market cap419mUSD
May 07, Last price  
39.75USD
Name

Santa Cruz County Bank

Chart & Performance

D1W1MN
P/E
11.94
P/S
4.94
EPS
3.33
Div Yield, %
1.28%
Shrs. gr., 5y
9.53%
Rev. gr., 5y
21.18%
Revenues
85m
+13.60%
1,332,1624,188,2827,426,5369,086,00015,187,26518,022,94020,565,73822,579,17825,518,00528,840,68832,498,80940,821,61553,200,00066,311,00074,753,00084,923,000
Net income
35m
+13.59%
-1,586,495-415,0742,167,672980,0002,840,3053,311,9974,371,1875,433,7806,491,4646,758,39811,380,08612,275,25017,550,00021,274,00030,944,00035,150,000
CFO
24m
+140.80%
-1,170,651304,5022,167,672980,000-4,814,0921,854,161-4,643,861-4,455,527464,501-4,416,91511,508,18414,911,499-648,000-14,836,00010,013,00024,111,000
Dividend
Aug 06, 20240.17 USD/sh

Profile

Santa Cruz County Bank provides a range of commercial and personal banking services to residents and businesses. The company's deposit products include checking, savings, term certificate, money market, and health savings accounts; and IRAs and certificate of deposits. It also offers lending products comprising commercial, multi-family, agricultural, construction, wine industry, venture banking, small business administration, business and industry, farm services agency, municipal, government guarantee, and installment loans, as well as loans supported by single-family residential real estate, commercial real estate financing, and lines of credit. In addition, the company provides debit and credit cards, merchant, online and mobile banking, remote electronic deposit, bill payment, treasury management, and cash management services. It operates through seven full-service offices located in Aptos, Capitola, Cupertino, Monterey, Santa Cruz, Scotts Valley, and Watsonville; and two ATMs and night depository kiosks. Santa Cruz County Bank was incorporated in 2003 and is based in Santa Cruz, California.
URL
https://www.sccountybank.com
IPO date
Mar 24, 2004
Employees
149
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
84,923
13.60%
74,753
12.73%
Cost of revenue
7,809
18,488
Unusual Expense (Income)
NOPBT
77,114
56,265
NOPBT Margin
90.80%
75.27%
Operating Taxes
14,620
12,815
Tax Rate
18.96%
22.78%
NOPAT
62,494
43,450
Net income
35,150
13.59%
30,944
45.45%
Dividends
(3,863)
(4,037)
Dividend yield
Proceeds from repurchase of equity
(2,999)
(1,783)
BB yield
Debt
Debt current
803
812
Long-term debt
36,121
3,999
Deferred revenue
Other long-term liabilities
132,278
10,465
Net debt
(50,064)
(725,501)
Cash flow
Cash from operating activities
24,111
10,013
CAPEX
(1,272)
(3,744)
Cash from investing activities
(43,055)
(135,368)
Cash from financing activities
10,189
28,626
FCF
1,392,692
28,384
Balance
Cash
33,938
398,112
Long term investments
53,050
332,200
Excess cash
82,742
726,574
Stockholders' equity
230,036
197,676
Invested Capital
307,718
1,526,030
ROIC
6.82%
2.85%
ROCE
19.75%
3.25%
EV
Common stock shares outstanding
8,432
8,539
Price
Market cap
EV
EBITDA
78,840
57,673
EV/EBITDA
Interest
12,149
1,852
Interest/NOPBT
15.75%
3.29%