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Southern California Bancorp

Data quality: 100%
BCAL
NASDAQ Financial Services Banks - Regional
$17.54
▲ $0.22 (1.27%)
Mkt Cap: 567.01M
Day Range
$17.29 $17.95
52-Week Range
$11.87 $20.47
Volume
202,929
50D / 200D Avg
$18.38 / $17.45
Prev Close
$17.32

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 9.0 10.3
P/B 1.0 1.1
ROE % 11.6 11.7
Net Margin % 27.1 16.8
Rev Growth 5Y % 34.3 11.7
D/E 0.1 0.5

Key Takeaways

Revenue grew 34.33% annually over 5 years — strong growth
Earnings grew 1060.65% over the past year
ROE of 11.59% — decent returns on equity
Net margin of 27.06% shows strong profitability
Debt/Equity of 0.12 — conservative balance sheet
Generating 56.94M in free cash flow

Growth

Revenue Growth (5Y)
34.33%
Revenue (1Y)26.23%
Earnings (1Y)1060.65%
FCF Growth (3Y)31.76%

Quality

Return on Equity
11.59%
ROIC10.18%
Net Margin27.06%
Op. Margin37.75%

Safety

Debt / Equity
0.12
Current Ratio0.24
Interest Coverage1.55

Valuation

P/E Ratio
8.99
P/B Ratio0.98
EV/EBITDA6.67
Dividend Yield0.01%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 26.23% Revenue Growth (3Y) 35.50%
Earnings Growth (1Y) 1060.65% Earnings Growth (3Y) 56.00%
Revenue Growth (5Y) 34.33% Earnings Growth (5Y) 55.78%
Profitability
Revenue (TTM) 233.00M Net Income (TTM) 63.06M
ROE 11.59% ROA 1.56%
Gross Margin 79.37% Operating Margin 37.75%
Net Margin 27.06% Free Cash Flow (TTM) 56.94M
ROIC 10.18% FCF Growth (3Y) 31.76%
Safety
Debt / Equity 0.12 Current Ratio 0.24
Interest Coverage 1.55 Dividend Yield 0.01%
Valuation
P/E Ratio 8.99 P/B Ratio 0.98
P/S Ratio 2.43 PEG Ratio 0.01
EV/EBITDA 6.67 Dividend Yield 0.01%
Market Cap 567.01M Enterprise Value 586.70M

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 233.00M 184.58M 126.90M 98.02M 71.57M
Net Income 63.06M 5.43M 25.91M 16.11M 10.71M
EPS (Diluted) 1.93 0.22 1.39 0.88 0.72
Gross Profit 184.93M 106.07M 96.60M 86.27M 67.00M
Operating Income 87.96M 8.26M 36.86M 21.98M 14.19M

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 4.03B 4.03B 2.36B 2.28B 2.27B
Total Liabilities 3.46B 3.52B 2.07B 2.02B 2.02B
Shareholders' Equity 576.59M 511.84M 288.15M 260.36M 246.53M
Total Debt 71.70M 88.04M 114.98M 78.83M 29.41M
Cash & Equivalents 52.01M 60.47M 33.01M 60.30M 22.44M
Current Assets 286.90M 202.47M 163.04M 172.88M 78.00M
Current Liabilities 1.18B 3.40B 1.94B 1.93B 1.97B

Strategy Scores

This stock passed the criteria for 3 strategies

Score = fit strength (0–100)
Rank = position among all matches
#846 of 1024
28
#742 of 820
18

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Deep Value Investing (Seth Klarman)
Mar 24, 2026
Entered Defensive Investing (Benjamin Graham)
Mar 24, 2026