BCAL

Southern California Bancorp

Fundamental data last updated:August 13, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

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.

 


Analyze BCAL on TradingView

VALUATION

P/E

10.32

Market Cap ($M USD)

$609.20M

Forward P/E

10.37

PEG

-20.21

PRICE TO SALES

2.66

PRICE TO BOOK

1.07

EV / EBITDA

7.04

5-Year Average P/E

Free Cash Flow Yield

9.58%

DCF Value

$59.20

Graham Number

$27.03

Price to FCF

10.44

EV to FCF

10.39

Earnings Yield

9.69%

FCF Yield

9.58%

DIVIDEND

Yield

1.06%

Annual Payout

$0.20

Payout Ratio

10.84%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.84

Next Year EPS Growth Estimate

$1.83

Next Year Revenue Growth Estimate

$195.39M

Return on Equity (ROE)

10.59%

FREE CASH FLOW

Operating Margin

36.36%

Debt-to-Equity

0.12

Piotroski F-Score

4

Altman Z-Score

0.39

Return on Invested Capital (ROIC)

2.06%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

-0.03

Interest Coverage

1.54

Gross Profit margin

78.81%

FCF PER SHARE

$1.79

REVENUE PER SHARE

$7.02

Analyze BCAL on TradingView

Gainseekers Quantitative Analysis

Summary

The market appears to be significantly undervaluing BCAL Southern California Bancorp. With a DCF value of $60.66 and a Graham Number of $27.03, the stock’s recent pricing suggests a substantial discount. The Forward P/E of 10.54 and an Earnings Yield of 9.54% indicate a potentially attractive entry point for value investors. However, the Altman Z-score of 0.39 raises red flags about financial distress, suggesting caution. Overall, while the valuation metrics are compelling, the financial health indicators warrant a closer look.

AI Exposure / Tech Reliance

Operating in the regional banking sector, BCAL is poised to leverage AI and tech advancements to streamline operations and enhance customer service. The financial services industry is increasingly integrating AI for risk management and personalized banking solutions. BCAL's ability to adapt to these shifts will be crucial for maintaining competitiveness.

The Bull Case

For the discerning value investor, BCAL offers a compelling narrative. The company boasts a robust Return on Equity of 10.59% and a Free Cash Flow Yield of 9.47%, indicating efficient capital use and strong cash generation. Despite a middling Piotroski F-Score of 4, the operating margin of 36.36% underscores significant pricing power. These metrics suggest a well-managed firm capable of delivering consistent returns.

The Bear Case

Despite its attractive valuation, BCAL faces structural challenges. The Altman Z-score of 0.39 signals potential financial distress, and the stock is trading close to its 52-week high, suggesting limited upside. The Price/Sales ratio of 2.70 and Price/Book of 1.09 may not justify the risks if growth stalls. Additionally, the low interest coverage ratio of 1.54 raises concerns about its ability to manage debt obligations effectively.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$22.00

Institutional Ownership %

1-Year Beta

0.31

Insider Buying % (6 Mo)

Distance to 52-Week High

8.08%

Distance to 52-Week Low

25.71%

EARNINGS SURPRISE %

2.44%

50-DAY SMA

$18.42

200-DAY SMA

$18.14

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.