Reviewing West Coast Community Bancorp (OTCMKTS:SCZC) and Surrey Bancorp (OTCMKTS:SRYB)

Risk and Volatility

West Coast Community Bancorp has a beta of 0.49, suggesting that its stock price is 51% less volatile than the S&P 500. Comparatively, Surrey Bancorp has a beta of 0.65, suggesting that its stock price is 35% less volatile than the S&P 500.

Dividends

West Coast Community Bancorp pays an annual dividend of $0.80 per share and has a dividend yield of 2.0%. Surrey Bancorp pays an annual dividend of $0.48 per share and has a dividend yield of 2.9%. West Coast Community Bancorp pays out 23.6% of its earnings in the form of a dividend. Surrey Bancorp pays out 31.6% 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.

Insider and Institutional Ownership

9.7% of West Coast Community Bancorp shares are held by institutional investors. Comparatively, 3.7% of Surrey Bancorp shares are held by institutional investors. 33.7% of Surrey Bancorp shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
West Coast Community Bancorp	23.91%	N/A	N/A
Surrey Bancorp	37.97%	N/A	N/A

Valuation and Earnings

This table compares West Coast Community Bancorp and Surrey Bancorp”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
West Coast Community Bancorp	$123.69 million	3.45	$29.58 million	$3.39	11.87
Surrey Bancorp	$16.20 million	4.23	$5.10 million	$1.52	10.99

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

Summary

West Coast Community Bancorp beats Surrey Bancorp on 6 of the 11 factors compared between the two stocks.

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.

About Surrey Bancorp

Surrey BanCorp engages in the provision of banking solutions through its subsidiaries, Surrey Bank & Trust . It offers checking accounts, savings, deposit services, mortgages, real estate loans, commercial credit products, business checking, and electronic banking. The company was founded on May 1, 2003 and is headquartered in Mount Airy, NC.