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Southern California Bancorp ( (BCAL) ) has issued an announcement.
On January 28, 2026, California BanCorp reported net income of $16.4 million, or $0.50 per diluted share, for the fourth quarter of 2025, and $63.1 million, or $1.93 per diluted share, for the full year, a sharp increase from $5.4 million in 2024, driven by stronger net interest income, an $8.8 million reversal of credit loss provisions for the year, and improved efficiency. The company highlighted 2025 as a transformational year marked by the successful integration of its 2024 merger, balance-sheet derisking through reductions in higher-risk loans and brokered deposits, maintenance of strong asset quality with nonperforming assets at 0.40% of total assets, lower funding costs, and capital actions including stock repurchases, a quarterly dividend, and growth in tangible book value per share to $13.79, while adding seasoned bankers in Northern California to capitalize on consolidation-driven disruption in the commercial banking market and reinforcing its position as a well-capitalized, relationship-based franchise.
The most recent analyst rating on (BCAL) stock is a Buy with a $21.00 price target. To see the full list of analyst forecasts on Southern California Bancorp stock, see the BCAL Stock Forecast page.
Spark’s Take on BCAL Stock
According to Spark, TipRanks’ AI Analyst, BCAL is a Outperform.
The score is primarily driven by strong underlying financial performance (high margins and low leverage) and supportive corporate actions (first dividend, buybacks and balance-sheet improvements). These positives are partially offset by weaker near-term technical signals (below short-term moving averages and slightly negative MACD) and a small recent decline in free cash flow growth, while the low P/E adds a favorable valuation tilt.
To see Spark’s full report on BCAL stock, click here.
More about Southern California Bancorp
California BanCorp is the Nasdaq-listed holding company for California Bank of Commerce, a relationship-focused commercial bank serving small and middle‑market businesses across key markets in California. The bank emphasizes high‑touch service, commercial lending, and deposit services, and has expanded its statewide presence through a 2024 merger that created a broader franchise in what it describes as some of the strongest banking markets in the state and country.
Average Trading Volume: 202,624
Technical Sentiment Signal: Strong Buy
Current Market Cap: $596.7M
Learn more about BCAL stock on TipRanks’ Stock Analysis page.