Start with its own history
At 10.11×, SCZC is 3.3% above its 10-observation annual average. A lower multiple can reflect a lower price, higher earnings, or weaker growth expectations—not necessarily a bargain.
OTC · SCZCBanks - RegionalUpdated Oct 25, 2026
Santa Cruz County Bank P/E ratio
Current valuation, historical context, and peer comparisons.
Current P/E ratio
10.11×
3.3% abovethe 10-year annual average
Share price41.4355
÷Earnings per share4.1
Price and EPS in quote currency. Calculation details
Investors are paying 10.11 for every 1 of reported earnings per share.
P/E over time
2016 – 2025
Annual P/ESelected-period average 9.78×
3-year average9.61×3 positive annual observations
5-year average9.03×5 positive annual observations
10-year average9.78×10 positive annual observations
Peer median · TTM11.74×6 peers with positive P/E
Historical P/E ratios
Annual period-end data · 17 observations
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2025 | 9.15× | -27.1% |
| Dec 31, 2024 | 12.55× | +75.6% |
| Dec 31, 2023 | 7.14× | +3.5% |
| Dec 31, 2022 | 6.90× | -26.6% |
| Dec 31, 2021 | 9.41× | +92.2% |
| Dec 31, 2020 | 4.89× | -58.0% |
| Dec 31, 2019 | 11.64× | +117.5% |
| Dec 31, 2018 | 5.35× | -69.5% |
View all 17 annual observations +
| Period end | P/E | Change |
|---|---|---|
| Dec 31, 2017 | 17.52× | +32.0% |
| Dec 31, 2016 | 13.27× | +135.7% |
| Dec 31, 2015 | 5.63× | -45.9% |
| Dec 31, 2014 | 10.41× | +95.8% |
| Dec 31, 2013 | 5.32× | -39.8% |
| Dec 31, 2012 | 8.83× | -38.3% |
| Dec 31, 2007 | 14.32× | -19.7% |
| Dec 31, 2006 | 17.84× | N/M |
| Dec 31, 2005 | N/M | N/M |
Change is relative to the preceding observation. N/M values are excluded from averages.
How SCZC compares
Company P/E vs. peer trailing-12-month ratios
| Company | P/E ratio |
|---|---|
 SCZC This stockSanta Cruz County Bank | 10.11× |
 DXBGYDexia S.A. | N/M |
 HGDPFSpareBank 1 Helgeland | 11.97× |
 HLANHeartland BancCorp | 16.51× |
 AIFIFAsia Financial Holdings Limited | 3.16× |
 SBIGYSabre Insurance Group plc | 11.51× |
 FFBBFFB Bancorp | 14.23× |
 AULRFAURELIUS Equity Opportunities SE & Co. KGaA | 6.92× |
 BNZIFFideicomiso Irrevocable F/2061 FHipo | N/M |
Peers are selected by the data provider. Business models and earnings definitions can differ.
Put the numbers in context
What does SCZC’s P/E tell you?
Compare like with like
The median of the 6 positive peer ratios above is 11.74×. Check growth, margins, debt, and earnings quality before interpreting the gap. A faster-growing business may justify a higher multiple.
Check what drives earnings
One-off gains can temporarily lower P/E; unusual charges can raise it. Reported earnings and forward estimates answer different questions. Pair this view with return on equity and liquidity for a fuller picture.
Keep your research connected
Take SCZC into your spreadsheet
Pull historical P/E into Excel or Google Sheets with Wisesheets. Build your own comparisons alongside the rest of your financial model.
Explore WisesheetsQuarterly P/E · latest quarterLQ selects the latest reported quarter. Requires the Wisesheets add-in. See available data
=WISE("SCZC", "PE Ratio", "LQ")Sources & calculation methodology
Current P/E
Share price 41.4355 ÷ EPS 4.1 = 10.11×. Data is supplied by Financial Modeling Prep through Wisesheets. Quote feed updated Oct 25, 2026; this is not a real-time trading quote.
History & averages
Annual and quarterly P/E observations are provided separately from the current quote. Averages use the latest 3, 5, or 10 annual observations, excluding missing and nonpositive ratios. Pre-IPO observations are omitted. These are period-end observations, not daily averages.
Data definitions and limitations
The current quote feed does not specify the exact EPS filing-period end or whether EPS is basic or diluted. We do not label it as forward P/E. Peer ratios are explicitly trailing-12-month (TTM) values. Historical observations do not include independently verified price and EPS inputs. Sources may update on different schedules; rounded inputs can produce small calculation differences. Historical comparisons describe past pricing, not an estimate of fair value.
SCZC P/E ratio: common questions
The essentials behind the numbers.
Santa Cruz County Bank's current P/E is 10.11× based on the quote data last updated Oct 25, 2026. It represents the share price divided by reported earnings per share. Prices and earnings may refresh on different schedules.
Annual P/E uses earnings for a completed fiscal year. Trailing-12-month (TTM) P/E uses the latest four quarters, while forward P/E uses forecast earnings. These are not interchangeable. This page labels peer ratios as TTM and shows dated annual or quarterly historical observations; it does not show forward estimates.
N/M means not meaningful: the feed has no positive P/E for that observation. Negative or zero earnings should not be ranked as a low positive valuation multiple. N/M observations are excluded from the averages shown above.
Divide the share price by earnings per share (EPS). For example, a share price of 100 and EPS of 5 gives a P/E of 20×. This page uses the price and EPS supplied together in the quote when both are positive.
Price timestamps, EPS definitions, share classes, adjustments, and fiscal periods can differ. A forward P/E also uses forecast earnings rather than reported earnings. Compare the inputs and as-of dates before comparing two displayed ratios.
Not necessarily. The average describes previous market pricing, not fair value. Changes in earnings quality, growth expectations, debt, accounting, and business risk can justify a different multiple today.