Southern California Bancorp (BCAL) AI Stock Analysis

• Market Cap: $558.65M
• Dividend Yield: N/A
• Average Volume (3M): 124.22K
• Price to Earnings (P/E): 19.4
• Beta (1Y): 0.97
• Revenue Growth: 88.14%
• EPS Growth: 0.65%
• Country: US
• Employees: 290
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.45
• Shares Outstanding: 32,517,593
• 10 Day Avg. Volume: 124,421
• 30 Day Avg. Volume: 124,219
• 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: 0.90
• Enterprise Value/Revenue: 2.11
• Enterprise Value/Gross Profit: 3.17
• Enterprise Value/Ebitda: 10.27
• 1Y Price Target: $18.67
• Price Target Upside: 11.00% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

• Rating: 74 Outperform
• Price Target: $19.50 ▲(15.93% Upside)

Southern California Bancorp's strong financial performance and positive corporate events are the most significant factors driving the score. The technical analysis supports a positive trend, but caution is advised due to overbought signals. Valuation is moderate, with no dividend yield, which may limit appeal to some investors.

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 primarily through interest income from loans and investment securities, as well as non-interest income from fees associated with deposit accounts, loan origination, and other banking services. The key revenue streams include interest earned on commercial and residential loans, which are critical to the bank's profitability, and service fees from various banking products. The bank also benefits from strong relationships with local businesses and community organizations, enhancing its ability to attract and retain customers. Additionally, strategic partnerships with financial technology providers and other service organizations may contribute to more efficient operations and increased service offerings, further driving revenue growth.

Southern California Bancorp Financial Statement Overview

Summary

Southern California Bancorp exhibits a solid financial performance with notable revenue growth and operational efficiency. The balance sheet is well-managed with a balanced approach to leveraging 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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	236.90M	184.58M	126.90M	98.02M	71.56M	54.20M
Gross Profit	158.04M	106.07M	96.60M	86.27M	67.00M	43.78M
EBITDA	48.74M	11.90M	38.77M	23.98M	15.91M	8.22M
Net Income	31.26M	5.43M	25.91M	16.11M	10.71M	4.72M
Balance Sheet
Total Assets	3.95B	4.03B	2.36B	2.29B	2.27B	1.58B
Cash, Cash Equivalents and Short-Term Investments	272.18M	202.47M	163.04M	172.88M	78.00M	36.65M
Total Debt	69.60M	88.03M	114.98M	78.83M	29.41M	39.66M
Total Liabilities	3.41B	3.52B	2.07B	2.03B	2.02B	1.41B
Stockholders Equity	547.59M	511.84M	288.15M	260.36M	246.53M	168.88M
Cash Flow
Free Cash Flow	61.87M	49.74M	32.80M	12.27M	17.90M	10.59M
Operating Cash Flow	62.34M	50.29M	33.10M	13.35M	19.65M	12.36M
Investing Cash Flow	574.58M	524.65M	-78.93M	-512.70M	8.52M	-301.69M
Financing Cash Flow	-311.51M	-273.58M	45.86M	6.10M	301.01M	449.30M

Southern California Bancorp Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 16.82
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 16.82 is below the 20-day moving average (MA) of 17.10, above the 50-day MA of 16.46, and above the 200-day MA of 15.51, indicating a bullish trend. The MACD of 0.04 indicates Positive momentum. The RSI at 56.40 is Neutral, neither overbought nor oversold. The STOCH value of 28.09 is Neutral, 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
FMNB	81 Outperform	$538.72M	10.67	12.08%	4.75%	6.15%	-1.27%
SHBI	75 Outperform	$548.71M	10.10	9.88%	2.92%	2.66%	128.06%
GNTY	75 Outperform	$553.20M	15.50	11.28%	1.92%	1.61%	38.81%
BCAL	74 Outperform	$558.65M	19.43	7.44%	―	88.14%	0.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FISI	60 Neutral	$551.95M	8.52	-6.53%	4.50%	-29.94%	-178.36%
WASH	54 Neutral	$562.97M	12.16	-4.88%	7.62%	-24.82%	-156.55%

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.