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STOCKS

Southern California Bancorp (BCAL)

NASDAQ:BCAL

BCAL

Southern California Bancorp

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Southern California Bancorp (BCAL) Ratios

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Southern California Bancorp Ratios

BCAL's free cash flow for Q2 2025 was $0.77. For the 2025 fiscal year, BCAL's free cash flow was decreased by $ and operating cash flow was $0.34. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.08	0.08	0.49	0.41
Quick Ratio	0.00	0.08	0.08	0.49	0.41
Cash Ratio	0.00	0.02	0.05	0.02	0.02
Solvency Ratio	0.02	0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.00	0.02	0.02	0.02	0.02
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.23B	$ -1.91B	$ -1.94B	$ -1.44B	$ -1.15B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.05	0.03	0.01	0.13
Debt-to-Equity Ratio	0.00	0.40	0.30	0.12	1.24
Debt-to-Capital Ratio	0.00	0.29	0.23	0.11	0.55
Long-Term Debt-to-Capital Ratio	0.00	0.26	0.21	0.08	0.15
Financial Leverage Ratio	7.26	8.19	8.79	9.19	9.35
Debt Service Coverage Ratio	0.75	0.95	-4.90	-1.03	-0.35
Interest Coverage Ratio	1.09	1.25	1.51	0.00	0.21
Debt to Market Cap	0.00	0.32	0.23	0.09	0.25
Interest Debt Per Share	1.88	7.91	4.49	2.28	22.67
Net Debt to EBITDA	-1.33	2.11	0.00	0.00	0.00
Profitability Margins
Gross Profit Margin	59.84%	76.12%	100.00%	100.00%	100.00%
EBIT Margin	28.06%	29.04%	-2.04%	-2.41%	-2.68%
EBITDA Margin	29.95%	30.56%	0.00%	0.00%	0.00%
Operating Profit Margin	28.06%	29.04%	1.85%	0.00%	2.30%
Pretax Profit Margin	37.20%	29.04%	22.43%	19.82%	12.49%
Net Profit Margin	26.55%	20.42%	16.44%	14.96%	8.71%
Continuous Operations Profit Margin	19.99%	20.42%	16.44%	14.96%	8.71%
Net Income Per EBT	71.39%	70.30%	73.30%	75.49%	69.77%
EBT Per EBIT	132.56%	100.00%	1214.86%	0.00%	542.72%
Return on Assets (ROA)	1.55%	1.10%	0.70%	0.47%	0.30%
Return on Equity (ROE)	11.77%	8.99%	6.19%	4.34%	2.80%
Return on Capital Employed (ROCE)	1.63%	8.84%	0.16%	0.00%	0.13%
Return on Invested Capital (ROIC)	9.93%	6.22%	0.12%	0.00%	0.09%
Return on Tangible Assets	1.60%	1.12%	0.72%	0.48%	0.30%
Earnings Yield	10.92%	8.18%	5.37%	4.96%	3.91%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.10	5.62	4.27	2.58	3.60
Asset Turnover	0.06	0.05	0.04	0.03	0.03
Working Capital Turnover Ratio	0.85	-0.07	-0.12	-0.15	-0.20
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.90	1.81	1.15	1.36	1.30
Free Cash Flow Per Share	1.89	1.80	1.09	0.49	1.12
CapEx Per Share	0.01	0.02	0.06	0.87	0.19
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.95	0.36	0.86
Dividend Paid and CapEx Coverage Ratio	134.34	109.61	18.92	1.57	6.99
Capital Expenditure Coverage Ratio	134.34	109.61	18.92	1.57	6.99
Operating Cash Flow Coverage Ratio	0.00	0.29	0.26	0.67	0.06
Operating Cash Flow to Sales Ratio	0.26	0.26	0.21	0.27	0.23
Free Cash Flow Yield	10.75%	10.36%	6.46%	3.30%	8.76%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.16	12.22	18.61	20.16	25.60
Price-to-Sales (P/S) Ratio	2.41	2.49	3.06	3.02	2.23
Price-to-Book (P/B) Ratio	1.03	1.10	1.15	0.88	0.72
Price-to-Free Cash Flow (P/FCF) Ratio	9.30	9.65	15.48	30.30	11.41
Price-to-Operating Cash Flow Ratio	9.32	9.56	14.66	10.99	9.78
Price-to-Earnings Growth (PEG) Ratio	0.08	0.21	0.86	0.42	-0.68
Price-to-Fair Value	1.03	1.10	1.15	0.88	0.72
Enterprise Value Multiple	6.72	10.28	0.00	0.00	0.00
Enterprise Value	480.52M	398.54M	318.46M	222.90M	317.97M
EV to EBITDA	6.72	10.28	0.00	0.00	0.00
EV to Sales	2.01	3.14	3.25	3.11	5.87
EV to Free Cash Flow	7.77	12.15	16.44	31.28	30.02
EV to Operating Cash Flow	7.71	12.04	15.57	11.34	25.73
Tangible Book Value Per Share	13.24	13.66	12.40	14.42	15.54
Shareholders’ Equity Per Share	17.21	15.79	14.61	17.11	17.81
Tax and Other Ratios
Effective Tax Rate	0.29	0.30	0.27	0.25	0.30
Revenue Per Share	7.28	6.96	5.50	4.97	5.72
Net Income Per Share	1.93	1.42	0.90	0.74	0.50
Tax Burden	0.71	0.70	0.73	0.75	0.70
Interest Burden	1.33	1.00	-10.99	-8.24	-4.66
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.20	0.32	0.39	0.50	0.40
Stock-Based Compensation to Revenue	0.03	0.04	0.04	0.08	0.05
Income Quality	1.99	1.28	1.27	1.84	2.62

Currency in USD

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