Southern California Bancorp (BCAL) AI Stock Analysis

• Market Cap: $478.09M
• Dividend Yield: N/A
• Average Volume (3M): 95.52K
• Price to Earnings (P/E): 33.2
• Beta (1Y): 0.85
• Revenue Growth: 60.34%
• EPS Growth: -62.91%
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 32,412,937
• 10 Day Avg. Volume: 85,229
• 30 Day Avg. Volume: 95,523
• PEG Ratio: 0.42
• Price to Book (P/B): 0.90
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 20.10
• Enterprise Value/Market Cap: 0.82
• Enterprise Value/Revenue: 0.84
• Enterprise Value/Gross Profit: 2.35
• Enterprise Value/Ebitda: 9.38
• 1Y Price Target: $18.50
• Price Target Upside: 24.16% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 71 Outperform
• Price Target: $16.50 ▲( 10.74% Upside)

The overall stock score is driven by strong corporate actions, such as share repurchases and debt reduction, which enhance shareholder value. Financial performance is solid with strong cash flows, but the high P/E ratio suggests overvaluation. Technical indicators show stable trading conditions without significant upward or downward pressure.

Southern California Bancorp Business Overview & Revenue Model

Company Description

Southern California Bancorp (BCAL) is a financial institution primarily operating in the Southern California region. The company focuses on providing a range of banking services, including personal and business checking accounts, savings accounts, loans, and other financial products tailored to meet the needs of individual and commercial clients. With a strong emphasis on community banking, Southern California Bancorp aims to deliver personalized service and build long-term relationships with its customers.

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 a robust revenue growth trajectory but faces recent profitability and cash flow challenges. The balance sheet remains strong with improved leverage and equity metrics, but cash flow management needs attention.

Income Statement

Southern California Bancorp has shown a consistent increase in total revenue from 2019 to 2024, with a notable increase in 2024. However, the net profit margin decreased significantly in 2024 due to a sharp drop in net income. The EBIT and EBITDA margins were not available for the latest year, which limits the analysis of operational efficiency.

Balance Sheet

The company has maintained a healthy equity ratio, with stockholders' equity increasing over the years. The debt-to-equity ratio has significantly improved, indicating reduced leverage. Return on equity has fluctuated, showing potential inefficiencies in generating returns on equity.

Cash Flow

Cash flow from operations has been volatile, with a substantial decline in free cash flow in 2024. The lack of free cash flow growth and negative free cash flow in 2024 are concerns for liquidity and reinvestment capabilities. Operating cash flow to net income ratios were not available, limiting further insights.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
127.76M	126.90M	98.02M	71.56M	54.20M
	Gross Profit
127.76M	126.90M	98.02M	71.56M	54.20M
	EBIT
24.65M	38.77M	1.81M	0.00	1.25M
	EBITDA
0.00	38.77M	0.00	0.00	0.00
	Net Income Common Stockholders
5.43M	25.91M	16.11M	10.71M	4.72M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
202.47M	163.04M	-60.30M	-22.43M	-11.95M
	Total Assets
4.03B	2.36B	2.29B	2.27B	1.58B
	Total Debt
88.03M	114.98M	78.83M	29.41M	209.05M
	Net Debt
27.56M	81.97M	18.53M	6.98M	197.09M
	Total Liabilities
3.52B	2.07B	2.03B	2.02B	1.41B
	Stockholders Equity
511.84M	288.15M	260.36M	246.53M	168.89M
Cash Flow		Free Cash Flow
49.74M	30.15M	19.38M	7.13M	10.59M
	Operating Cash Flow
50.29M	30.45M	20.46M	19.65M	12.36M
	Investing Cash Flow
524.65M	-76.28M	-519.80M	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: 14.90
• 50DMA: Positive
• 100DMA: Negative
• 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 14.9 is above the 20-day moving average (MA) of 14.73, above the 50-day MA of 14.08, and below the 200-day MA of 15.21, indicating a neutral trend. The MACD of 0.31 indicates Positive momentum. The RSI at 53.36 is Neutral, neither overbought nor oversold. The STOCH value of 22.74 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
UNTY	77 Outperform	$434.95M	10.17	15.17%	1.23%	6.99%	12.46%
ACNB	74 Outperform	$439.69M	14.44	7.44%	3.01%	22.17%	-15.57%
SHBI	74 Outperform	$482.59M	9.74	9.27%	3.30%	15.26%	160.27%
BCAL	71 Outperform	$478.09M	33.21	4.21%	―	60.34%	-62.91%
HONE	66 Neutral	$486.93M	18.13	4.44%	2.92%	5.42%	67.14%
Sector *	64 Neutral	$12.64B	9.78	7.67%	17015.08%	12.23%	-6.02%
FFWM	57 Neutral	$425.94M	―	-8.68%	0.19%	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.