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OTCMSCZC
Market cap436mUSD
Dec 24, Last price  
41.70USD
1D
-0.05%
1Q
6.46%
Jan 2017
111.14%
Name

Santa Cruz County Bank

Chart & Performance

D1W1MN
OTCM:SCZC chart
P/E
12.40
P/S
5.13
EPS
3.36
Div Yield, %
0.89%
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

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
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
84,923
13.60%
74,753
12.73%
66,311
24.64%
Cost of revenue
7,809
18,488
18,822
Unusual Expense (Income)
NOPBT
77,114
56,265
47,489
NOPBT Margin
90.80%
75.27%
71.62%
Operating Taxes
14,620
12,815
8,791
Tax Rate
18.96%
22.78%
18.51%
NOPAT
62,494
43,450
38,698
Net income
35,150
13.59%
30,944
45.45%
21,274
21.22%
Dividends
(3,863)
(4,037)
(1,890)
Dividend yield
Proceeds from repurchase of equity
(2,999)
(1,783)
BB yield
Debt
Debt current
803
812
764
Long-term debt
36,121
3,999
4,288
Deferred revenue
Other long-term liabilities
132,278
10,465
797,412
Net debt
(50,064)
(725,501)
(704,397)
Cash flow
Cash from operating activities
24,111
10,013
(14,836)
CAPEX
(1,272)
(3,744)
(3,001)
Cash from investing activities
(43,055)
(135,368)
(117,773)
Cash from financing activities
10,189
28,626
259,501
FCF
1,392,692
28,384
95,042
Balance
Cash
33,938
398,112
430,094
Long term investments
53,050
332,200
279,355
Excess cash
82,742
726,574
706,133
Stockholders' equity
230,036
197,676
155,323
Invested Capital
307,718
1,526,030
1,527,867
ROIC
6.82%
2.85%
2.73%
ROCE
19.75%
3.25%
2.82%
EV
Common stock shares outstanding
8,432
8,539
8,562
Price
Market cap
EV
EBITDA
78,840
57,673
49,063
EV/EBITDA
Interest
12,149
1,852
1,816
Interest/NOPBT
15.75%
3.29%
3.82%