Southern California Bancorp
General ticker "BCAL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $610.1M (TTM average)
Southern California Bancorp follows the US Stock Market performance with the rate: 52.1%.
Estimated limits based on current volatility of 1.3%: low 21.67$, high 22.25$
Factors to consider:
- Company pays dividends (irregularly): last record date 2026-06-23, amount 0.10$ (Y0.46%)
- Total employees count: 288 (-0.3%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Real estate value decline, Liquidity and credit risks, Interest rate risk, Regulatory and compliance
- Earnings for 6 months up through Q2 are close to our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [16.43$, 21.05$]
- 2026-12-31 to 2027-12-31 estimated range: [17.12$, 22.09$]
Financial Metrics affecting the BCAL estimates:
- Positive: with PPE of 9.8 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 46.28 > 33.79
- Positive: 8.77 < Operating cash flow per share per price, % of 9.25
- Positive: 9.52 < Industry operating cash flow per share per price (median), % of 10.78
- Positive: Investing cash flow per share per price, % of 4.80 > 2.08
- Positive: 0.90 < Return on assets ratio (scaled to [-100,100]) of 1.54
- Positive: 14.78 < Industry operating profit margin (median), % of 24.03
Short-term BCAL quotes
Long-term BCAL plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $97.52MM | $184.58MM | $180.18MM |
| Operating Expenses | $62.61MM | $176.31MM | $96.79MM |
| Operating Income | $34.91MM | $8.26MM | $83.39MM |
| Non-Operating Income | $1.95MM | $0.00MM | $4.57MM |
| Interest Expense | $29.38MM | $56.81MM | $56.89MM |
| Income(Loss) | $36.86MM | $8.26MM | $87.96MM |
| Taxes | $10.95MM | $2.83MM | $24.90MM |
| Net Income(Loss)* | $25.91MM | $5.43MM | $63.06MM |
| Stockholders Equity | $288.15MM | $511.84MM | $576.59MM |
| Assets | $2,360.25MM | $4,031.65MM | $4,033.39MM |
| Operating Cash Flow | $33.10MM | $50.29MM | $57.29MM |
| Capital expenditure | $0.30MM | $0.55MM | $0.35MM |
| Investing Cash Flow | $-78.93MM | $524.65MM | $29.75MM |
| Financing Cash Flow | $45.86MM | $-273.58MM | $-75.29MM |
| Earnings Per Share** | $1.42 | $0.22 | $1.93 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.