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Santa Cruz County Bank SCZC

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Price alert · SCZC

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41.44 +41.44 —

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Mkt cap
437.41M
Vol
0
Avg vol
0
EPS
0.00
P/E
0.00
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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 12.5×
FY 2015: 12.4×FY 2016: 13.3×FY 2017: 19.1×FY 2018: 10.7×FY 2019: 11.6×FY 2020: 9.8×FY 2021: 9.4×FY 2022: 6.9×FY 2023: 7.1×FY 2024: 12.5×
FY 2015 5y median 9.4× FY 2024
P/S 3.0×
FY 2015: 3.0×FY 2016: 3.4×FY 2017: 4.5×FY 2018: 3.8×FY 2019: 3.5×FY 2020: 3.2×FY 2021: 3.0×FY 2022: 2.9×FY 2023: 3.0×FY 2024: 3.0×
FY 2015 5y median 3.0× FY 2024
P/B 1.1×
FY 2015: 1.5×FY 2016: 1.7×FY 2017: 2.2×FY 2018: 1.8×FY 2019: 0.9×FY 2020: 1.0×FY 2021: 1.1×FY 2022: 1.1×FY 2023: 1.1×FY 2024: 1.1×
FY 2015 5y median 1.1× FY 2024
P/FCF 16.6×
FY 2015: -14.9×FY 2016: 735×FY 2017: -26.7×FY 2018: 18.7×FY 2019: 9.9×FY 2020: -41.1×FY 2021: -11.2×FY 2022: 34.0×FY 2023: 11.0×FY 2024: 16.6×
FY 2015 5y median 11.0× FY 2024
EV/EBITDA 7.9×
FY 2015: -3.0×FY 2016: -1.9×FY 2017: 2.5×FY 2018: 6.5×FY 2019: 2.2×FY 2020: 5.5×FY 2021: 1.6×FY 2022: 3.1×FY 2023: 4.6×FY 2024: 7.9×
FY 2015 5y median 4.6× FY 2024
EV/Sales 3.1×
FY 2015: -1.2×FY 2016: -0.8×FY 2017: 1.2×FY 2018: 3.2×FY 2019: 2.5×FY 2020: 2.7×FY 2021: 0.8×FY 2022: 1.9×FY 2023: 2.8×FY 2024: 3.1×
FY 2015 5y median 2.7× FY 2024
FCF Yield 6.0%
FY 2015: -6.7%FY 2016: 0.1%FY 2017: -3.8%FY 2018: 5.3%FY 2019: 10.1%FY 2020: -2.4%FY 2021: -8.9%FY 2022: 2.9%FY 2023: 9.1%FY 2024: 6.0%
FY 2015 5y median 2.9% FY 2024

Profitability

Gross Margin 74.2%
FY 2015: 100.0%FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 101.7%FY 2024: 74.2%
FY 2015 5y median 100.0% FY 2024
Operating Margin 39.9%
FY 2015: 41.4%FY 2016: 44.2%FY 2017: 49.3%FY 2018: 52.9%FY 2019: 51.7%FY 2020: 46.4%FY 2021: 45.3%FY 2022: 61.0%FY 2023: 66.7%FY 2024: 39.9%
FY 2015 5y median 46.4% FY 2024
Net Margin 23.8%
FY 2015: 24.1%FY 2016: 25.4%FY 2017: 23.4%FY 2018: 35.0%FY 2019: 30.1%FY 2020: 33.0%FY 2021: 32.1%FY 2022: 41.4%FY 2023: 41.4%FY 2024: 23.8%
FY 2015 5y median 33.0% FY 2024
ROE 8.9%
FY 2015: 12.3%FY 2016: 12.8%FY 2017: 11.8%FY 2018: 16.6%FY 2019: 8.1%FY 2020: 10.4%FY 2021: 11.4%FY 2022: 15.7%FY 2023: 15.3%FY 2024: 8.9%
FY 2015 5y median 11.4% FY 2024
ROIC -1.7%
FY 2015: 3.6%FY 2016: 3.8%FY 2017: 4.2%FY 2018: 3.1%FY 2019: 2.0%FY 2020: 10.1%FY 2021: 2.8%FY 2022: 4.1%FY 2023: 9.3%FY 2024: -1.7%
FY 2015 5y median 4.1% FY 2024
ROA 1.1%
FY 2015: 1.1%FY 2016: 1.1%FY 2017: 1.1%FY 2018: 1.7%FY 2019: 1.1%FY 2020: 1.2%FY 2021: 1.3%FY 2022: 1.8%FY 2023: 2.0%FY 2024: 1.1%
FY 2015 5y median 1.3% FY 2024

Growth (YoY)

Revenue 46.2%
FY 2015: 9.8%FY 2016: 13.0%FY 2017: 13.0%FY 2018: 12.7%FY 2019: 25.6%FY 2020: 30.3%FY 2021: 24.6%FY 2022: 12.7%FY 2023: 13.6%FY 2024: 46.2%
FY 2015 FY 2024
Operating Income -12.7%
FY 2015: 23.5%FY 2016: 20.5%FY 2017: 26.2%FY 2018: 20.9%FY 2019: 22.7%FY 2020: 16.9%FY 2021: 21.8%FY 2022: 51.7%FY 2023: 24.3%FY 2024: -12.7%
FY 2015 FY 2024
EPS (diluted) -21.3%
FY 2015: 24.1%FY 2016: 17.5%FY 2017: 5.0%FY 2018: 67.7%FY 2019: -4.7%FY 2020: 1.5%FY 2021: 21.4%FY 2022: 44.8%FY 2023: 15.2%FY 2024: -21.3%
FY 2015 FY 2024
Free Cash Flow -1.7%
FY 2015: 7.8%FY 2016: 102.6%FY 2017: -4224.8%FY 2018: 234.8%FY 2019: 122.3%FY 2020: -128.8%FY 2021: -327.1%FY 2022: 135.1%FY 2023: 264.3%FY 2024: -1.7%
FY 2015 FY 2024

Financial Health

Current Ratio 0.0×
FY 2015: 1530×FY 2016: 1569×FY 2017: 1126×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 2.3×FY 2021: 23.8×FY 2022: 26.6×FY 2023: 0.1×FY 2024: 0.0×
FY 2015 5y median 2.3× FY 2024
Quick Ratio 0.0×
FY 2015: 1530×FY 2016: 2941×FY 2017: 2264×FY 2018: 0.4×FY 2019: 0.5×FY 2020: 2.3×FY 2021: 23.8×FY 2022: 26.6×FY 2023: 0.1×FY 2024: 0.0×
FY 2015 5y median 2.3× FY 2024
Debt / Equity 0.1×
FY 2015: 0.0×FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.0×FY 2019: 0.0×FY 2020: 0.2×FY 2021: 0.0×FY 2022: 0.0×FY 2023: 0.1×FY 2024: 0.1×
FY 2015 5y median 0.1× FY 2024
Net Debt / EBITDA 0.4×
FY 2015: -10.4×FY 2016: -9.8×FY 2017: -6.9×FY 2018: -1.0×FY 2019: -0.9×FY 2020: -1.0×FY 2021: -4.7×FY 2022: -1.6×FY 2023: -0.2×FY 2024: 0.4×
FY 2015 5y median -1.0× FY 2024
Interest Coverage 0.0×
FY 2015: 20.4×FY 2016: 19.9×FY 2017: 18.0×FY 2018: 12.9×FY 2019: 100496×FY 2020: 9.1×FY 2021: 16.6×FY 2022: 24.6×FY 2023: 4.7×FY 2024: 0.0×
FY 2015 5y median 9.1× FY 2024

Dividends

Dividend Yield 1.7%
FY 2015: 0.6%FY 2016: 0.5%FY 2017: 0.4%FY 2018: 0.5%FY 2019: 0.6%FY 2020: 0.7%FY 2021: 0.9%FY 2022: 1.9%FY 2023: 1.5%FY 2024: 1.7%
FY 2015 5y median 1.5% FY 2024
Payout Ratio 20.9%
FY 2015: 7.9%FY 2016: 6.7%FY 2017: 6.7%FY 2018: 5.9%FY 2019: 6.8%FY 2020: 6.6%FY 2021: 8.9%FY 2022: 13.0%FY 2023: 11.0%FY 2024: 20.9%
FY 2015 5y median 11.0% FY 2024

Annual · latest fiscal year ends 2024-12-31