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Southern California Bancorp (BCAL)
NASDAQ:BCAL
Total Valuation
Southern California Bancorp has a market cap or net worth of $550.52M. The enterprise value is $500.70M.
Market Cap$550.52M
Enterprise Value$500.70M
Share Statistics
Southern California Bancorp has 32,517,593 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding32,517,593
Owned by Insiders16.19%
Owned by Institutions35.73%
Financial Efficiency
Southern California Bancorp’s return on equity (ROE) is 0.01 and return on invested capital (ROIC) is 0.85%.
Return on Equity (ROE)0.01
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)0.85%
Return on Capital Employed (ROCE)0.01
Revenue Per Employee636.47K
Profits Per Employee18.73K
Employee Count290
Asset Turnover0.05
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Southern California Bancorp is 19.6. Southern California Bancorp’s PEG ratio is -0.87.
PE Ratio19.6
PS Ratio2.17
PB Ratio0.78
Price to Fair Value0.78
Price to FCF8.06
Price to Operating Cash Flow9.02
PEG Ratio-0.87
Income Statement
In the last 12 months, Southern California Bancorp had revenue of 184.58M and earned 5.43M in profits. Earnings per share was 0.22.
Revenue184.58M
Gross Profit106.07M
Operating Income8.26M
Pretax Income8.26M
Net Income5.43M
EBITDA11.90M
Earnings Per Share (EPS)0.22
Cash Flow
In the last 12 months, operating cash flow was 62.34M and capital expenditures -464.00K, giving a free cash flow of 61.87M billion.
Operating Cash Flow62.34M
Free Cash Flow61.87M
Free Cash Flow per Share1.90
Dividends & Yields
Southern California Bancorp pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.98
52-Week Price Change14.47%
50-Day Moving Average16.43
200-Day Moving Average15.54
Relative Strength Index (RSI)49.82
Average Volume (3m)111.29K
Important Dates
Southern California Bancorp upcoming earnings date is Jul 28, 2025, Before Open (Confirmed).
Last Earnings DateMay 5, 2025
Next Earnings DateJul 28, 2025
Ex-Dividend Date―
Financial Position
Southern California Bancorp as a current ratio of 0.06, with Debt / Equity ratio of 12.71%
Current Ratio0.06
Quick Ratio0.06
Debt to Market Cap0.19
Net Debt to EBITDA2.32
Interest Coverage Ratio0.15
Taxes
In the past 12 months, Southern California Bancorp has paid 2.83M in taxes.
Income Tax2.83M
Effective Tax Rate0.34
Enterprise Valuation
Southern California Bancorp EV to EBITDA ratio is 36.02, with an EV/FCF ratio of 8.62.
EV to Sales2.32
EV to EBITDA36.02
EV to Free Cash Flow8.62
EV to Operating Cash Flow8.52
Balance Sheet
Southern California Bancorp has $272.18M in cash and marketable securities with $69.60M in debt, giving a net cash position of $202.59M billion.
Cash & Marketable Securities$272.18M
Total Debt$69.60M
Net Cash$202.59M
Net Cash Per Share$6.23
Tangible Book Value Per Share$15.58
Margins
Gross margin is 66.71%, with operating margin of 4.48%, and net profit margin of 2.94%.
Gross Margin66.71%
Operating Margin4.48%
Pretax Margin4.48%
Net Profit Margin2.94%
EBITDA Margin6.45%
EBIT Margin4.48%
Analyst Forecast
The average price target for Southern California Bancorp is $18.88, which is 11.43% higher than the current price. The consensus rating is Strong Buy
Price Target$18.88
Price Target Upside11.52% Upside
Analyst ConsensusStrong Buy
Analyst Count4
Revenue Growth Forecast88.14%
EPS Growth Forecast0.65%