Southern California Bancorp (BCAL) AI Stock Analysis

• Market Cap: $494.30M
• Dividend Yield: N/A
• Average Volume (3M): 155.03K
• Price to Earnings (P/E): 17.6
• Beta (1Y): 0.94
• Revenue Growth: 88.14%
• EPS Growth: 0.09%
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 67
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 32,412,937
• 10 Day Avg. Volume: 137,961
• 30 Day Avg. Volume: 155,028
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.01
• Enterprise Value/Revenue: 2.37
• Enterprise Value/Gross Profit: 3.78
• Enterprise Value/Ebitda: 17.04
• 1Y Price Target: $18.67
• Price Target Upside: 24.55% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 68 Neutral
• Price Target: $16.50 ▲(10.07% Upside)

Southern California Bancorp shows a balanced financial performance with robust cash flow and solid earnings, bolstered by strategic corporate actions like share repurchases and risk reduction. Short-term technical indicators suggest potential undervaluation, though momentum remains weak. Valuation is reasonable, but the lack of a dividend may deter some investors. Overall, the stock presents a moderate investment opportunity with strong fundamentals and strategic initiatives.

Southern California Bancorp Business Overview & Revenue Model

Company Description

Southern California Bancorp (BCAL) is a financial services company operating primarily in the banking sector within Southern California. The company focuses on providing a range of banking services, including personal and commercial banking, mortgage lending, and wealth management solutions. BCAL serves a diverse clientele, including individuals, small to medium-sized businesses, and larger corporate clients, with a commitment to offering personalized and community-focused financial services.

How the Company Makes Money

Southern California Bancorp generates revenue primarily through interest income from its lending activities, including personal and commercial loans. The company also earns money from non-interest income sources, such as fees and service charges related to account maintenance, transaction processing, and financial advisory services. Additionally, BCAL may benefit from investment activities and strategic partnerships that enhance its financial products and services. The company's earnings are influenced by factors such as interest rate fluctuations, loan demand, and economic conditions in its operating regions.

Southern California Bancorp Financial Statement Overview

Summary

Southern California Bancorp exhibits solid financial performance with notable revenue growth and operational efficiency. The balance sheet is well-managed with balanced leverage and equity utilization. Strong cash flow generation enhances financial flexibility, though careful management of liabilities and investment activities is necessary to sustain growth.

Income Statement

The company's revenue has shown a positive growth trend with a significant increase from the previous year. The gross profit margin is strong, indicating effective cost management. However, the net profit margin is relatively modest, suggesting room for improvement in profitability. The EBIT margin reflects efficient operational performance in the TTM period.

Balance Sheet

The balance sheet reveals a moderate debt-to-equity ratio, indicating balanced leverage. The return on equity is reasonable, demonstrating efficient use of equity capital. The equity ratio is stable, reflecting a sound capital structure. However, the company's total liabilities remain high relative to its equity.

Cash Flow

The company has demonstrated strong cash flow generation, with a healthy operating cash flow to net income ratio. The free cash flow has increased, supporting future growth and investment opportunities. The free cash flow to net income ratio is robust, indicating effective cash management. However, fluctuations in investing cash flow warrant attention.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	184.58M	126.90M	98.02M	71.56M	54.20M
Gross Profit	106.07M	96.60M	86.27M	67.00M	43.78M
EBITDA	11.90M	38.77M	23.98M	15.91M	8.22M
Net Income	5.43M	25.91M	16.11M	10.71M	4.72M
Balance Sheet
Total Assets	4.03B	2.36B	2.29B	2.27B	1.58B
Cash, Cash Equivalents and Short-Term Investments	202.47M	163.04M	172.88M	78.00M	36.65M
Total Debt	88.03M	114.98M	78.83M	29.41M	39.66M
Total Liabilities	3.52B	2.07B	2.03B	2.02B	1.41B
Stockholders Equity	511.84M	288.15M	260.36M	246.53M	168.88M
Cash Flow
Free Cash Flow	49.74M	32.80M	12.27M	17.90M	10.59M
Operating Cash Flow	50.29M	33.10M	13.35M	19.65M	12.36M
Investing Cash Flow	524.65M	-78.93M	-512.70M	8.52M	-301.69M
Financing Cash Flow	-273.58M	45.86M	6.10M	301.01M	449.30M

Southern California Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.99
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCAL, the sentiment is Negative. The current price of 14.99 is below the 20-day moving average (MA) of 15.82, below the 50-day MA of 15.47, and below the 200-day MA of 15.46, indicating a bearish trend. The MACD of -0.19 indicates Positive momentum. The RSI at 42.50 is Neutral, neither overbought nor oversold. The STOCH value of 29.43 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BCAL.

Southern California Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ACNB	75 Outperform	$437.28M	15.48	7.36%	3.10%	32.19%	-26.13%
UNTY	74 Outperform	$474.57M	11.09	17.02%	1.16%	6.99%	12.46%
SHBI	71 Outperform	$511.96M	9.55	9.88%	3.16%	2.66%	128.06%
BCAL	68 Neutral	$494.30M	17.57	7.44%	―	88.14%	0.09%
Sector *	67 Neutral	$17.02B	11.60	9.79%	3.95%	10.61%	2.06%
HONE	63 Neutral	$504.09M	18.03	4.56%	2.92%	5.00%	72.45%
FFWM	48 Neutral	$417.70M	―	-9.79%	0.20%	-1.29%	-1023.82%

Southern California Bancorp Corporate Events

Southern California Bancorp Reports Strong Q2 2025 Earnings

California BanCorp reported a net income of $14.1 million for the second quarter of 2025, marking a strong financial performance following its merger last year. The company has successfully reduced credit risk by decreasing its Sponsor Finance portfolio and winding down brokered deposits, while focusing on organic growth in loans and deposits. Despite a slight decrease in net interest income and net interest margin, the company maintained a robust capital position and continued to provide high-touch banking services to its clients.

The most recent analyst rating on (BCAL) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on Southern California Bancorp stock, see the BCAL Stock Forecast page.

Southern California Bancorp Elects Directors at Annual Meeting

On May 21, 2025, California BanCorp held its 2025 Annual Meeting of Shareholders where twelve directors were elected for a one-year term based on the highest number of votes received. Additionally, the shareholders ratified the selection of RSM US LLP as the Company’s independent registered public accounting firm for the year ending December 31, 2025.

The most recent analyst rating on (BCAL) stock is a Buy with a $20.00 price target. To see the full list of analyst forecasts on Southern California Bancorp stock, see the BCAL Stock Forecast page.