Southern California Bancorp (BCAL) AI Stock Analysis

• Market Cap: $466.75M
• Dividend Yield: N/A
• Average Volume (3M): 85.00K
• Price to Earnings (P/E): 32.4
• Beta (1Y): 0.85
• Revenue Growth: 60.34%
• EPS Growth: -62.91%
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 74
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 32,412,937
• 10 Day Avg. Volume: 103,428
• 30 Day Avg. Volume: 85,002
• PEG Ratio: 0.86
• Price to Book (P/B): 1.15
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 15.48
• Enterprise Value/Market Cap: 0.33
• Enterprise Value/Revenue: 0.28
• Enterprise Value/Gross Profit: 0.83
• Enterprise Value/Ebitda: 2.68
• 1Y Price Target: $18.50
• Price Target Upside: 28.47% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 70 Outperform
• Price Target: $16.00 ▲(11.11%Upside)

The overall stock score of 70 reflects a solid financial foundation and positive corporate actions, such as the share repurchase program. However, the relatively high P/E ratio and mixed technical indicators suggest caution. The company demonstrates strong financial flexibility, but valuation concerns and technical analysis temper the outlook.

Southern California Bancorp Business Overview & Revenue Model

Company Description

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.

How the Company Makes Money

Southern California Bancorp generates revenue through interest income from loans and credit products, as well as fees from various banking services such as account maintenance, ATM usage, and transaction processing. The bank earns interest by issuing loans to individuals and businesses, which typically have higher interest rates than the interest it pays on customer deposits, allowing for a positive net interest margin. Additionally, the bank may engage in investment activities and partnerships that contribute to its earnings, although specific data on these factors is not available.

Southern California Bancorp Financial Statement Overview

Summary

Southern California Bancorp demonstrates solid financial performance with significant revenue growth and strong cash flow generation. The balance sheet is well-managed, though there's a need for cautious management of liabilities and investments.

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
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
183.26M	127.76M	97.52M	92.23M	71.56M	48.33M
	Gross Profit
182.93M	0.00	96.60M	86.27M	67.00M	54.20M
	EBIT
39.80M	8.26M	36.86M	29.45M	15.91M	9.11M
	EBITDA
28.02M	11.90M	36.86M	0.00	15.91M	0.00
	Net Income Common Stockholders
17.35M	5.43M	25.91M	16.11M	10.71M	4.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
212.03M	202.47M	163.04M	172.88M	78.00M	36.65M
	Total Assets
3.98B	4.03B	2.36B	2.29B	2.27B	1.58B
	Total Debt
87.45M	88.03M	114.98M	78.83M	29.41M	39.66M
	Net Debt
7.01M	27.56M	81.97M	18.53M	6.98M	27.71M
	Total Liabilities
3.45B	3.52B	2.07B	2.03B	2.02B	1.41B
	Stockholders Equity
531.38M	511.84M	288.15M	260.36M	246.53M	168.89M
Cash Flow		Free Cash Flow
22.40M	49.74M	30.15M	12.27M	17.90M	10.59M
	Operating Cash Flow
22.56M	50.29M	30.45M	13.35M	19.65M	12.36M
	Investing Cash Flow
131.76M	524.65M	-76.28M	-519.80M	8.52M	-301.69M
	Financing Cash Flow
-260.00M	-273.58M	45.86M	6.10M	301.01M	449.30M

Southern California Bancorp Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.40
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 14.4 is below the 20-day moving average (MA) of 14.84, above the 50-day MA of 14.13, and below the 200-day MA of 15.23, indicating a neutral trend. The MACD of 0.04 indicates Positive momentum. The RSI at 44.59 is Neutral, neither overbought nor oversold. The STOCH value of 17.97 is Positive, 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
UNTY	77 Outperform	$438.36M	10.24	15.17%	1.28%	6.99%	12.46%
ACNB	74 Outperform	$430.57M	14.14	7.44%	3.31%	22.17%	-15.57%
SHBI	74 Outperform	$486.26M	9.82	9.27%	3.28%	15.26%	160.27%
BCAL	70 Outperform	$466.75M	32.42	4.21%	―	60.34%	-62.91%
HONE	66 Neutral	$482.62M	17.97	4.44%	3.21%	5.42%	67.14%
Sector *	64 Neutral	$12.87B	9.76	7.85%	78.04%	12.07%	-7.94%
FFWM	53 Neutral	$419.35M	―	-8.68%	0.20%	3.61%	65.61%

Southern California Bancorp Corporate Events

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.

Southern California Bancorp Expands Share Repurchase Program

On May 1, 2025, California BanCorp announced an increase in its share repurchase program, authorizing the repurchase of up to 1.6 million shares of its common stock, a significant rise from the initial 550,000 shares announced in June 2023. This move, aimed at enhancing shareholder value, reflects the company’s strong financial position and commitment to its strategic banking approach. Additionally, the company plans to redeem $18 million of its subordinated notes issued in 2020, further demonstrating its financial strength and flexibility.

Southern California Bancorp Reports Q1 2025 Financial Results

California BanCorp reported a net income of $16.9 million for the first quarter of 2025, marking a slight increase from the previous quarter’s $16.8 million. The company’s financial performance reflects the successful integration following its merger last July, with a focus on reducing reliance on brokered deposits and managing market volatility. Key metrics such as net interest margin and tangible book value per share showed improvement, while the company continues to navigate changing tariff policies and their potential impact on clients.