Southern California Bancorp
General ticker "BCAL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $576.4M (TTM average)
Southern California Bancorp follows the US Stock Market performance with the rate: 53.3%.
Estimated limits based on current volatility of 1.3%: low 21.11$, high 21.67$
Factors to consider:
- Company pays dividends (irregularly): last record date 2026-06-23, amount 0.10$ (Y0.47%)
- Total employees count: 288 as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Real estate decline, Liquidity and credit risks, Interest rate risk, Regulatory and compliance
- Price in estimated range
- Earnings for 3 months up through Q1 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: [16.72$, 21.42$]
- 2026-12-31 to 2027-12-31 estimated range: [17.45$, 22.52$]
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 > 18.65
- Positive: -3.09 < Return on assets ratio (scaled to [-100,100]) of 1.54
- Negative: Interest expense per share per price, % of 9.18 > 3.33
- Positive: 6.73 < Operating cash flow per share per price, % of 9.25
- Positive: Inventory ratio change, % of 0 <= 0
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Negative: Shareholder equity ratio, % of 14.30 <= 19.10
- Positive: Industry operating cash flow per share per price (median), % of 10.78 > 10.39
- Positive: Industry earnings per price (median), % of 7.27 > 4.29
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.