Southern California Bancorp (BCAL) AI Stock Analysis

• Market Cap: $629.97M
• Dividend Yield: N/A
• Average Volume (3M): 154.65K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.91
• Revenue Growth: 61.29%
• EPS Growth: N/A
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 32,322,650
• 10 Day Avg. Volume: 121,382
• 30 Day Avg. Volume: 154,649
• PEG Ratio: -0.87
• Price to Book (P/B): 0.78
• Price to Sales (P/S): 2.17
• P/FCF Ratio: 8.06
• Enterprise Value/Market Cap: 0.80
• Enterprise Value/Revenue: 2.09
• Enterprise Value/Gross Profit: 2.68
• Enterprise Value/Ebitda: 5.33
• 1Y Price Target: $21.00
• Price Target Upside: 6.17% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 1.8
• Revenue Forecast (FY): $178.31M

• Rating: 75 Outperform
• Price Target: $22.50 ▲(13.75% Upside)

Southern California Bancorp is in a strong financial position with solid growth and profitability. The stock's technical indicators show strong momentum, though caution is advised due to overbought signals. The recent dividend announcement and strong quarterly results further enhance the company's attractiveness.

Positive Factors

Revenue Growth

Consistent revenue growth indicates effective market penetration and product adoption, supporting long-term business sustainability.

Balance Sheet Strength

A low debt-to-equity ratio suggests prudent financial management, providing flexibility for future investments and growth opportunities.

Dividend Announcement

Initiating a dividend reflects financial health and commitment to returning value to shareholders, enhancing long-term investor confidence.

Negative Factors

Free Cash Flow Decline

Declining free cash flow could limit the company's ability to invest in growth or service debt, potentially impacting future financial flexibility.

Gross Profit Margin Decrease

A declining gross profit margin may indicate rising costs or pricing pressures, which could affect long-term profitability if not addressed.

Debt Increase

Increasing debt levels, if unchecked, could strain financial resources and reduce the company's ability to invest in strategic initiatives.

Southern California Bancorp Business Overview & Revenue Model

Company Description

Southern California Bancorp (BCAL) is a financial institution headquartered in Southern California, primarily focused on providing a wide range of banking services to individuals, businesses, and communities. The company operates through various sectors, including commercial banking, retail banking, and mortgage services. Core products and services offered by BCAL include commercial loans, residential mortgages, deposit accounts, and treasury management solutions, aimed at fostering economic growth within its local market.

How the Company Makes Money

Southern California Bancorp generates revenue primarily through interest income from loans, fees from various banking services, and investment income. Key revenue streams include interest earned on commercial and residential loans, which represent a significant portion of their earnings. Additionally, BCAL earns fee income from transaction services, account maintenance, and advisory services. The bank may also engage in investment activities, providing another avenue for revenue generation. Strategic partnerships with local businesses and community organizations enhance customer access and engagement, contributing to the bank's overall financial performance.

Southern California Bancorp Financial Statement Overview

Summary

Southern California Bancorp demonstrates solid financial health with strong revenue growth and profitability improvements. The balance sheet is stable with low leverage, and cash flows are strong, supporting future growth and operational resilience. Continued focus on operational efficiency could further enhance profitability.

Income Statement

Southern California Bancorp shows strong revenue growth with a 12.12% increase in TTM, supported by a healthy gross profit margin of 66.71%. The net profit margin improved to 13.20%, indicating enhanced profitability. However, the EBIT and EBITDA margins, while positive, suggest room for operational efficiency improvements.

Balance Sheet

The company maintains a solid balance sheet with a low debt-to-equity ratio of 0.13, reflecting prudent financial management. Return on equity is moderate at 5.99%, suggesting potential for higher profitability. The equity ratio indicates a strong capital base, enhancing financial stability.

Cash Flow

Cash flow performance is robust, with a significant free cash flow growth rate of 27.17% in TTM. The operating cash flow to net income ratio of 3.73 indicates strong cash generation relative to earnings, supporting liquidity and operational flexibility.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	241.45M	184.58M	126.90M	98.02M	71.56M	54.20M
Gross Profit	188.08M	106.07M	96.60M	86.27M	67.00M	43.78M
EBITDA	94.69M	11.90M	38.77M	23.98M	15.91M	8.22M
Net Income	63.41M	5.43M	25.91M	16.11M	10.71M	4.72M
Balance Sheet
Total Assets	4.10B	4.03B	2.36B	2.28B	2.27B	1.58B
Cash, Cash Equivalents and Short-Term Investments	95.05M	202.47M	163.04M	172.88M	78.00M	36.65M
Total Debt	52.60M	88.03M	114.98M	78.83M	29.41M	39.66M
Total Liabilities	3.54B	3.52B	2.07B	2.02B	2.02B	1.41B
Stockholders Equity	564.72M	511.84M	288.15M	260.36M	246.53M	168.88M
Cash Flow
Free Cash Flow	59.62M	49.74M	32.80M	12.27M	17.90M	10.59M
Operating Cash Flow	60.01M	50.29M	33.10M	13.35M	19.65M	12.36M
Investing Cash Flow	207.47M	524.65M	-78.93M	-512.70M	8.52M	-301.69M
Financing Cash Flow	-322.69M	-273.58M	45.86M	6.10M	301.01M	449.30M

Southern California Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 19.78
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 19.78 is above the 20-day moving average (MA) of 19.47, above the 50-day MA of 18.42, and above the 200-day MA of 16.12, indicating a bullish trend. The MACD of 0.34 indicates Positive momentum. The RSI at 56.25 is Neutral, neither overbought nor oversold. The STOCH value of 9.26 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCAL.

Southern California Bancorp Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SHBI	78 Outperform	$623.41M	10.94	10.25%	2.55%	6.01%	38.05%
FMNB	77 Outperform	$544.09M	10.01	12.00%	4.71%	3.93%	17.48%
BCAL	75 Outperform	$629.97M	10.21	11.93%	―	61.29%	―
GNTY	75 Outperform	―	―	―	―	1.61%	38.81%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FISI	61 Neutral	$648.61M	-13.49	-4.98%	3.85%	-28.00%	-174.60%
WASH	57 Neutral	$590.08M	-19.46	-4.73%	7.23%	-27.82%	-159.63%

Southern California Bancorp Corporate Events

Southern California Bancorp Announces First Cash Dividend

On December 4, 2025, the Board of Directors of California BanCorp announced the approval of the company’s first quarterly cash dividend of $0.10 per share on its common stock. This dividend is scheduled to be paid on January 15, 2026, to shareholders who are recorded as of December 24, 2025, marking a significant milestone in the company’s financial strategy.

Southern California Bancorp Reports Strong Q3 2025 Results

California BanCorp reported a net income of $15.7 million for the third quarter of 2025, marking an increase from the previous quarter’s $14.1 million and a significant turnaround from a net loss of $16.5 million in the same quarter of 2024. The company highlighted strong deposit growth and loan originations, alongside a decrease in non-performing assets, reflecting progress in derisking its balance sheet. The firm also executed a share repurchase program and paid off high-cost subordinated notes, demonstrating a focus on enhancing shareholder value. Despite economic uncertainties, the company remains optimistic about its future, backed by a solid capital position and a strategy to expand its commercial banking franchise across California.