Southern California Bancorp
General ticker "BCAL" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $484.3M (TTM average)
Southern California Bancorp follows the US Stock Market performance with the rate: 70.0%.
Estimated limits based on current volatility of 0.9%: low 19.84$, high 20.20$
Factors to consider:
- Total employees count: 204 as of 2023
- Earnings for 9 months up through Q3 exceed 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [15.87$, 20.71$]
- 2025-12-31 to 2026-12-31 estimated range: [17.18$, 22.47$]
Financial Metrics affecting the BCAL estimates:
- Positive: with PPE of 14.5 at the end of fiscal year the price was very low
- Positive: -3.60 < Operating profit margin, % of 4.48
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: Investing cash flow per share per price, % of 129.46 > -0.66
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Shareholder equity ratio, % of 12.70 <= 18.93
- Negative: Return on assets ratio (scaled to [-100,100]) of 0.13 <= 1.87
Short-term BCAL quotes
Long-term BCAL plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $98.02MM | $126.90MM | $184.58MM |
| Operating Expenses | $76.03MM | $90.05MM | $176.31MM |
| Operating Income | $21.98MM | $36.86MM | $8.26MM |
| Interest Expense | $5.79MM | $29.38MM | $56.81MM |
| Income(Loss) | $21.98MM | $36.86MM | $8.26MM |
| Taxes | $5.87MM | $10.95MM | $2.83MM |
| Profit(Loss)* | $16.11MM | $25.91MM | $5.43MM |
| Stockholders Equity | $260.36MM | $288.15MM | $511.84MM |
| Assets | $2,283.93MM | $2,360.25MM | $4,031.65MM |
| Operating Cash Flow | $13.35MM | $33.10MM | $50.29MM |
| Capital expenditure | $1.08MM | $0.30MM | $0.55MM |
| Investing Cash Flow | $-512.70MM | $-78.93MM | $524.65MM |
| Financing Cash Flow | $6.10MM | $45.86MM | $-273.58MM |
| Earnings Per Share** | $0.90 | $1.42 | $0.22 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.