West Coast Community Bancorp (OTCMKTS:SCZC) & Glacier Bancorp (NASDAQ:GBCI) Financial Contrast

Glacier Bancorp (NASDAQ:GBCI) and West Coast Community Bancorp (OTCMKTS:SCZC) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their profitability, dividends, analyst recommendations, earnings, risk, valuation and institutional ownership.

Insider and Institutional Ownership

80.2% of Glacier Bancorp shares are held by institutional investors. Comparatively, 9.7% of West Coast Community Bancorp shares are held by institutional investors. 0.5% of Glacier Bancorp shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Earnings & Valuation

This table compares Glacier Bancorp and West Coast Community Bancorp”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Glacier Bancorp	$836.32 million	6.20	$190.14 million	$1.86	24.57
West Coast Community Bancorp	$123.69 million	3.42	$29.58 million	$3.39	11.80

Glacier Bancorp has higher revenue and earnings than West Coast Community Bancorp. West Coast Community Bancorp is trading at a lower price-to-earnings ratio than Glacier Bancorp, indicating that it is currently the more affordable of the two stocks.

Analyst Recommendations

This is a summary of recent recommendations for Glacier Bancorp and West Coast Community Bancorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Glacier Bancorp	0	3	3	1	2.71
West Coast Community Bancorp	0	0	0	0	0.00

Glacier Bancorp currently has a consensus price target of $50.83, suggesting a potential upside of 11.25%. Given Glacier Bancorp’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Glacier Bancorp is more favorable than West Coast Community Bancorp.

Volatility & Risk

Glacier Bancorp has a beta of 0.77, indicating that its stock price is 23% less volatile than the S&P 500. Comparatively, West Coast Community Bancorp has a beta of 0.49, indicating that its stock price is 51% less volatile than the S&P 500.

Dividends

Glacier Bancorp pays an annual dividend of $1.32 per share and has a dividend yield of 2.9%. West Coast Community Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.0%. Glacier Bancorp pays out 71.0% of its earnings in the form of a dividend. West Coast Community Bancorp pays out 23.6% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years.

Profitability

This table compares Glacier Bancorp and West Coast Community Bancorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Glacier Bancorp	14.99%	5.98%	0.68%
West Coast Community Bancorp	23.91%	N/A	N/A

Summary

Glacier Bancorp beats West Coast Community Bancorp on 14 of the 17 factors compared between the two stocks.

About Glacier Bancorp

Glacier Bancorp, Inc. operates as the bank holding company for Glacier Bank that provides commercial banking services to individuals, small to medium-sized businesses, community organizations, and public entities in the United States. The company offers retail banking, business banking, and mortgage origination and loan servicing services. It also provides non-interest bearing deposit and interest bearing deposit accounts, such as negotiable order of withdrawal and demand deposit accounts, savings, money market deposits, fixed rate certificates of deposit, negotiated-rate jumbo certificates, and individual retirement accounts. In addition, the company offers construction and permanent loans on residential real estate; consumer land or lot loans; unimproved land and land development loans; and residential builder guidance lines comprising pre-sold and spec-home construction, and lot acquisition loans. Further, it provides commercial real estate loans to purchase, construct, and finance commercial real estate properties; consumer loans secured by real estate, automobiles, or other assets; home equity loans consisting of junior lien mortgages, and first and junior lien lines of credit secured by owner-occupied 1-4 family residences; and agriculture loans. Glacier Bancorp, Inc. was founded in 1955 and is headquartered in Kalispell, Montana.

About West Coast Community Bancorp

West Coast Community Bancorp operates as the bank holding company for Santa Cruz County Bank that provides a range of commercial and personal banking services to residents and businesses in the United States. It offers checking, savings, money market, certificate of deposits, and health savings accounts; and individual retirement account and retirement plans. The company also provides lending products, including real estate commercial property, construction, asset-based, lines of credit, SBA loans, 504 loan program, business and industry, farm services agency, agricultural, and wine industry lending. In addition, it provides debit and credit cards, merchant services, online and mobile banking, remote deposit services, wire and ACH manager, treasury management, payment, and cash management services. West Coast Community Bancorp was founded in 2004 and is headquartered in Santa Cruz, California.