SCZC

Santa Cruz County Bank [SCZC] Stock Forecast

Q: What is Santa Cruz County Bank stock symbol ?

Santa Cruz County Bank is a US stock, located in Santa cruz of Ca and trading under the symbol SCZC

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SCZC Stock Summary

Earnings have grown 12.73% per last year.

EPS has been increasing for the past 3 years (Yearly statements)

SCZC's dividend payments are well covered by cash flows with cash payout ratio of 14%.

An RSI reading of 70 or higher indicates an overbought or overvalued condition.

In the last year, shareholders have seen their holdings diluted. Dilution over past year is 100.15%

Earnings are expected to fall -100% next year

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In the News

04:30 11 Dec 2023 SCZC

Santa Cruz County Bank Declares Quarterly Cash Dividend Payment to Shareholders

SANTA CRUZ, Calif., Sept. 21, 2021 /PRNewswire/ -- Santa Cruz County Bank www.sccountybank.com (OTCQX:SCZC), with assets over $1.6 billion, is a top-rated community bank headquartered in Santa Cruz County.

06:00 11 Dec 2023 SCZC

Santa Cruz County Bank Reports Earnings For Quarter Ended June 30, 2021

SANTA CRUZ, Calif., July 21, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTCQX: SCZC), with assets over $1.6 billion, is a top-rated community bank headquartered in Santa Cruz County.

05:00 11 Dec 2023 SCZC

Santa Cruz County Bank Hires Chief Credit Officer Susan Just

SANTA CRUZ, Calif., July 12, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTCQX: SCZC), today announced Susan Just has joined the bank as Executive Vice President and Chief Credit Officer.

05:00 11 Dec 2023 SCZC

Santa Cruz County Bank Declares Increase in Quarterly Cash Dividend Payment to Shareholders

SANTA CRUZ, Calif., June 15, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTCQX: SCZC), with assets over $1.5 billion, is a top-rated community bank headquartered in Santa Cruz County.

05:00 11 Dec 2023 SCZC

Santa Cruz County Bank Makes American Banker Magazine's Top 200 Best Performing Community Banks and Thrifts in the United States

�SANTA CRUZ, Calif., June 14, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTCQX: SCZC), with assets over $1.5 billion, is a top-rated community bank headquartered in Santa Cruz County.

05:00 11 Dec 2023 SCZC

Santa Cruz County Bank Announces Promotion of Jon Sisk

SANTA CRUZ, Calif., May 14, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTC: SCZC), with assets over $1.5 billion, is a top-rated community bank headquartered in Santa Cruz County.

07:30 11 Dec 2023 SCZC

Tila Banuelos and George Gallucci to Retire from Santa Cruz County Bank Board of Directors

SANTA CRUZ, Calif., April 13, 2021 /PRNewswire/ -- Santa Cruz County Bank (OTC: SCZC), with assets over $1.4 billion, is a top rated community bank headquartered in Santa Cruz County.

SCZC Financial details

Company Rating

Strong Buy

Market Cap

233.48M

Income

37.19M

Revenue

85.17M

Book val./share

26.04

Cash/share

38.49

Dividend

0.61

Dividend %

2.23%

Employees

149

Optionable

Shortable

Yes

Earnings

24 Jan 2024

P/E

6.15

Forward P/E

PEG

0.81

P/S

2.74

P/B

1.05

P/C

0.71

P/FCF

Quick Ratio

Current Ratio

Debt / Equity

LT Debt / Equity

EPS (TTM)

4.4

EPS next Y

EPS next Q

EPS this Y

45.2%

EPS next Y

EPS next 5Y

EPS last 5Y

23.37%

Revenue last 5Y

20.98%

Revenue Q/Q

3.42%

EPS Q/Q

3.81%

SMA20

3.46%

SMA50

4.23%

SMA100

5.79%

Inst Own

Inst Trans

ROA

ROE

18%

ROC

0.03%

Gross Margin

100%

Oper. Margin

65%

Profit Margin

44%

Payout

Shs Outstand

8.54M

Shs Float

7.82M

Target Price

52W Range

22.65-28.5

52W High

-2.32%

52W Low

+24.32%

RSI

74.3

Rel Volume

0.27

Avg Volume

3.72K

Volume

1000

Perf Week

4.19%

Perf Month

8.32%

Perf Quarter

10.51%

Perf Half Y

9.4%

Beta

0.77

Volatility

0.37%, 0.58%

Prev Close

Price

27.35

Change

0.37%

SCZC Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2017-12-31	2018-12-31	2020-12-31	2021-12-31	2022-12-31
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	5.43	6.07	6.28	7.79	8.78
Net income per share	1.27	2.13	2.07	2.5	3.63
Operating cash flow per share	-0.83	0	-0.08	-1.74	1.18
Free cash flow per share	-0.91	0	-0.49	-2.1	0.74
Cash per share	22.41	0	13.88	50.55	46.76
Book value per share	10.79	12.81	19.89	21.87	23.22
Tangible book value per share	10.66	12.81	157.54	194.43	19.95
Share holders equity per share	10.79	12.81	19.89	21.87	23.22
Interest debt per share	0.15	0.25	5.08	0.21	0.22
Market cap	117.09M	110.9M	155.96M	200.2M	213.27M
Enterprise value	16.25M	110.9M	128.56M	45.76M	135.89M
P/E ratio	17.33	9.74	8.89	9.41	6.89
Price to sales ratio	4.06	3.41	2.93	3.02	2.85
POCF ratio	-26.51	0	-240.68	-13.49	21.3
PFCF ratio	-24.25	0	-37.35	-11.22	34.02
P/B Ratio	2.04	1.62	0.93	1.08	1.08
PTB ratio	2.04	1.62	0.93	1.08	1.08
EV to sales	0.56	3.41	2.42	0.69	1.82
Enterprise value over EBITDA	1.12	6.45	4.92	1.45	2.89
EV to operating cash flow	-3.68	0	-198.4	-3.08	13.57
EV to free cash flow	-3.36	0	-30.79	-2.57	21.68
Earnings yield	0.06	0.1	0.11	0.11	0.15
Free cash flow yield	-0.04	0	-0.03	-0.09	0.03
Debt to equity	0	0	0.24	0	0
Debt to assets	0	0	0.03	0	0
Net debt to EBITDA	-6.93	0	-1.05	-4.88	-1.65
Current ratio	1.13K	0	2.28	23.84	26.6
Interest coverage	18.01	12.9	9.11	16.56	24.63
Income quality	-0.65	0	-0.04	-0.7	0.32
Dividend Yield	0	0	0.01	0.01	0.02
Payout ratio	0.07	0	0.07	0.09	0.13
Sales general and administrative to revenue	0.29	0	0.29	0.27	0.24
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0.02	0.02	0.02
Capex to operating cash flow	0.09	0	5.44	0.2	-0.37
Capex to revenue	-0.01	0	-0.07	-0.05	-0.05
Capex to depreciation	-1.27	0	-2.44	-1.91	-2.66
Stock based compensation to revenue	0	0	0.01	0.01	0.01
Graham number	17.58	24.76	30.45	35.08	43.57
ROIC	0.12	0.18	0.08	0.11	0.16
Return on tangible assets	0.01	0.02	0.01	0.01	0.02
Graham Net	-85.14	-111.01	8.49	49.99	-132.44
Working capital	121.01M	0	76.55M	429.97M	410.27M
Tangible asset value	56.58M	68.52M	1.33B	1.65B	169.88M
Net current asset value	-451.57M	-593.89M	76.55M	429.97M	-1.12B
Invested capital	0	0	0.24	0	0
Average receivables	1.94M	1.05M	0	18.62M	23.44M
Average payables	94.66K	53.76K	0	19.03M	17.43M
Average inventory	0	0	0	0	0
Days sales outstanding	26.6	0	127.15	102.93	137.61
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	13.72	0	2.87	3.55	2.65
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.12	0.17	0.1	0.11	0.16
Capex per share	-0.08	0	-0.42	-0.35	-0.44

Quarterly Fundamentals Overview

Last date of statement is 2023-09-30 for Q3

Metric	2022-06-30	2022-09-30	2022-12-31	2023-03-31	2023-09-30
	2.02K	2.02K	2.02K	2.02K	2.02K
Revenue per share	2.03	2.35	2.54	2.54	2.66
Net income per share	0.75	1.08	1.18	1.05	1.09
Operating cash flow per share	0	0	0	0	0
Free cash flow per share	0	0	0	0	0
Cash per share	0	0	46.76	39.8	38.49
Book value per share	21.73	22.06	23.22	24.19	26.04
Tangible book value per share	21.73	22.06	19.95	201.33	212.12
Share holders equity per share	21.73	22.06	23.22	24.19	26.04
Interest debt per share	0.04	0.06	0.07	0.17	0.4
Market cap	183.12M	199.25M	213.27M	205.57M	213.17M
Enterprise value	183.12M	199.25M	135.89M	168.56M	175.42M
P/E ratio	7.19	5.43	5.32	5.79	5.85
Price to sales ratio	10.54	10.01	9.88	9.58	9.6
POCF ratio	0	0	0	0	0
PFCF ratio	0	0	0	0	0
P/B Ratio	0.99	1.07	1.08	1.01	0.98
PTB ratio	0.99	1.07	1.08	1.01	0.98
EV to sales	10.54	10.01	6.29	7.85	7.9
Enterprise value over EBITDA	19.48	14.77	9.22	12.03	13.64
EV to operating cash flow	0	0	0	0	0
EV to free cash flow	0	0	0	0	0
Earnings yield	0.03	0.05	0.05	0.04	0.04
Free cash flow yield	0	0	0	0	0
Debt to equity	0	0	0	0	0
Debt to assets	0	0	0	0	0
Net debt to EBITDA	0	0	-5.25	-2.64	-2.94
Current ratio	0	0	26.6	0	0
Interest coverage	25.06	28.77	23.1	9.92	3.85
Income quality	0	0	0	0	0
Dividend Yield	0	0	0	0	0
Payout ratio	0	0	0	0	0
Sales general and administrative to revenue	0	0	0	0	0
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0	0.02	0.02	0.02
Capex to operating cash flow	0	0	0	0	0
Capex to revenue	0	0	0	0	0
Capex to depreciation	0	0	0	0	0
Stock based compensation to revenue	0	0	0	0	0
Graham number	19.1	23.17	24.8	23.93	25.27
ROIC	0.04	0.05	0.05	0.05	0.04
Return on tangible assets	0	0	0.01	0.01	0.01
Graham Net	-184.53	-197.54	-132.44	39.8	38.49
Working capital	0	0	410.27M	335.97M	321.75M
Tangible asset value	185.54M	187.03M	169.88M	1.7B	1.75B
Net current asset value	-1.58B	-1.67B	-1.12B	335.97M	321.75M
Invested capital	0	0	0	0	0
Average receivables	0	0	14.09M	14.09M	0
Average payables	0	0	8.01M	8.01M	0
Average inventory	0	0	0	0	0
Days sales outstanding	0	0	117.45	0	0
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	0	0.77	0	0
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.03	0.05	0.05	0.04	0.04
Capex per share	0	0	0	0	0

SCZC Dividend History

SCZC Frequently Asked Questions

What is Santa Cruz County Bank stock symbol ?

Santa Cruz County Bank is a US stock , located in Santa cruz of Ca and trading under the symbol SCZC

What is Santa Cruz County Bank stock quote today ?

Santa Cruz County Bank stock price is $27.35 today.

Is Santa Cruz County Bank stock public?

Yes, Santa Cruz County Bank is a publicly traded company.

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Company Profile

Volume Average 3.72K
Market Capitalization 233.48M
Employee 149
CEO Ms. Krista Snelling CPA
Headquarters Santa Cruz,CA,US
IPO Date 2005-02-17
Website https://www.sccountybank.com

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.