8-K Announcements
6Apr 28, 2026·SEC
Mar 12, 2026·SEC
Feb 18, 2026·SEC
Southern California Bancorp (BCAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Southern California Bancorp (BCAL) stock price & volume — 10-year historical chart
Southern California Bancorp (BCAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Southern California Bancorp (BCAL) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.42vs $0.41+2.4% | $44Mvs $44M+0.2% |
| Q2 2026 | Mar 13, 2026 | $0.50 | $55M |
| Q1 2026 | Jan 28, 2026 | $0.50vs $0.44+13.6% | $46Mvs $45M+1.9% |
| Q4 2025 | Oct 28, 2025 | $0.48vs $0.39+23.1% | $60Mvs $45M+31.8% |
Southern California Bancorp (BCAL) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
Southern California Bancorp (BCAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Southern California Bancorp (BCAL) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 0 | 0 | 30.85M | 45.95M | 64.41M | 87.79M | 94.14M | 122.98M | 169.09M |
| NII Growth % | - | - | - | 48.91% | 40.19% | 36.29% | 7.24% | 30.64% | 37.49% |
| Net Interest Margin % | 0% | 0% | 3.7% | 2.91% | 2.84% | 3.84% | 3.99% | 3.05% | 4.19% |
| Interest Income | 0 | 0 | 37.7M | 51.81M | 67.77M | 93.58M | 123.52M | 179.8M | 225.98M |
| Interest Expense | 2.32K | 104.06K | 6.84M | 5.87M | 3.36M | 5.79M | 29.38M | 56.81M | 56.89M |
| Loan Loss Provision | -2.32K | -104.06K | 1M | 4.55M | 1.2M | 5.96M | 915K | 21.69M | -8.82M |
| Non-Interest Income | 21.5M | 31.33M | 1.95M | 2.39M | 3.79M | 4.44M | 3.38M | 4.78M | 7.01M |
| Non-Interest Income % | 100% | 100% | 4.93% | 4.41% | 5.3% | 4.53% | 2.66% | 2.59% | 3.01% |
| Total Revenue | 21.5M▲ 0% | 31.33M▲ 45.7% | 39.65M▲ 26.5% | 54.2M▲ 36.7% | 71.56M▲ 32.0% | 98.02M▲ 37.0% | 126.9M▲ 29.5% | 184.58M▲ 45.4% | 233M▲ 26.2% |
| Revenue Growth % | 18.08% | 45.71% | 26.55% | 36.7% | 32.03% | 36.96% | 29.47% | 45.45% | 26.23% |
| Non-Interest Expense | 3.59M | 4.7M | 22.13M | 37.01M | 52.82M | 64.29M | 59.75M | 97.81M | 96.97M |
| Efficiency Ratio | 16.69% | 15.01% | 55.8% | 68.29% | 73.8% | 65.59% | 47.08% | 52.99% | 41.62% |
| Operating Income | 17.91M▲ 0% | 632.26K▼ 96.5% | 9.68M▲ 1431.5% | 6.77M▼ 30.1% | 14.19M▲ 109.6% | 21.98M▲ 55.0% | 36.86M▲ 67.7% | 8.26M▼ 77.6% | 87.96M▲ 964.5% |
| Operating Margin % | 83.31% | 2.02% | 24.42% | 12.49% | 19.82% | 22.43% | 29.04% | 4.48% | 37.75% |
| Operating Income Growth % | 246.5% | -96.47% | 1431.5% | -30.1% | 109.6% | 54.96% | 67.66% | -77.58% | 964.47% |
| Pretax Income | 6.97M▲ 0% | 7.53M▲ 8.1% | 9.68M▲ 28.6% | 6.77M▼ 30.1% | 14.19M▲ 109.6% | 21.98M▲ 55.0% | 36.86M▲ 67.7% | 8.26M▼ 77.6% | 87.96M▲ 964.5% |
| Pretax Margin % | 32.41% | 24.04% | 24.42% | 12.49% | 19.82% | 22.43% | 29.04% | 4.48% | 37.75% |
| Income Tax | 3M | 2.27M | 2.91M | 2.05M | 3.48M | 5.87M | 10.95M | 2.83M | 24.9M |
| Effective Tax Rate % | 43.11% | 30.19% | 30.05% | 30.23% | 24.51% | 26.7% | 29.7% | 34.25% | 28.31% |
| Net Income | 3.96M▲ 0% | 5.26M▲ 32.6% | 6.77M▲ 28.8% | 4.72M▼ 30.3% | 10.71M▲ 126.8% | 16.11M▲ 50.5% | 25.91M▲ 60.8% | 5.43M▼ 79.0% | 63.06M▲ 1060.6% |
| Net Margin % | 18.44% | 16.78% | 17.08% | 8.71% | 14.96% | 16.44% | 20.42% | 2.94% | 27.06% |
| Net Income Growth % | 31.75% | 32.62% | 28.81% | -30.28% | 126.79% | 50.46% | 60.8% | -79.03% | 1060.65% |
| Net Income (Continuing) | 3.96M | 5.26M | 6.77M | 4.72M | 10.71M | 16.11M | 25.91M | 5.43M | 63.06M |
| EPS (Diluted) | 0.74▲ 0% | 0.71▼ 4.1% | 0.78▲ 9.9% | 0.49▼ 37.2% | 0.72▲ 46.9% | 0.88▲ 22.2% | 1.39▲ 58.0% | 0.22▼ 84.2% | 1.93▲ 777.3% |
| EPS Growth % | 7.25% | -4.05% | 9.86% | -37.18% | 46.94% | 22.22% | 57.95% | -84.17% | 777.27% |
| EPS (Basic) | 0.76 | 0.74 | 0.80 | 0.50 | 0.74 | 0.90 | 1.42 | 0.22 | 1.95 |
| Diluted Shares Outstanding | 5.36M | 7.36M | 8.63M | 9.7M | 14.91M | 18.23M | 18.66M | 24.62M | 32.75M |
Southern California Bancorp (BCAL) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | -7.38M | -13.53M | 26.24M | 36.65M | 78M | 172.88M | 163.04M | 202.47M | 286.9M |
| Cash & Due from Banks | -7.38M | -13.53M | 9.9M | 11.95M | 22.43M | 60.3M | 33.01M | 60.47M | 52.01M |
| Short Term Investments | 0 | 0 | 16.34M | 24.7M | 55.57M | 112.58M | 130.03M | 142M | 234.89M |
| Total Investments | 3.26M | 6.23M | 687.63M | 1.25B | 1.55B | 2.06B | 2.13B | 3.3B | 234.89M |
| Investments Growth % | 14.34% | 91.08% | 10941.02% | 81.54% | 24.06% | 32.77% | 3.39% | 55.28% | -92.88% |
| Long-Term Investments | 3.26M | 6.23M | 671.29M | 1.22B | 1.49B | 1.94B | 2B | 3.16B | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Goodwill & Intangibles | 1.4M | 18.88M | 0 | 21.6M | 38.81M | 39.39M | 39M | 134.06M | 129.41M |
| Goodwill | 0 | 0 | 0 | 19.72M | 36.78M | 37.8M | 37.8M | 111.79M | 110.93M |
| Intangible Assets | 1.4M | 18.88M | 0 | 1.88M | 2.02M | 1.58M | 1.2M | 22.27M | 18.48M |
| PP&E (Net) | 4.56M | 5.01M | 9.47M | 15.05M | 27.71M | 22.94M | 22.56M | 27.95M | 27.21M |
| Other Assets | 428.45M | 666.88M | 104.74M | 275.82M | 617.19M | 94.38M | 128.68M | 464.97M | -10.1M |
| Total Current Assets | 41.2M | 68.94M | 26.24M | 36.65M | 78M | 172.88M | 163.04M | 202.47M | 286.9M |
| Total Non-Current Assets | 439.06M | 700.07M | 803.95M | 1.54B | 2.18B | 2.11B | 2.2B | 3.83B | 175.56M |
| Total Assets | 480.26M▲ 0% | 769.01M▲ 60.1% | 833.29M▲ 8.4% | 1.58B▲ 89.5% | 2.27B▲ 43.5% | 2.28B▲ 0.8% | 2.36B▲ 3.3% | 4.03B▲ 70.8% | 4.03B▲ 0.0% |
| Asset Growth % | 12.99% | 60.12% | 8.36% | 89.49% | 43.49% | 0.8% | 3.34% | 70.81% | 0.04% |
| Return on Assets (ROA) | 0.88% | 0.84% | 0.85% | 0.39% | 0.56% | 0.71% | 1.12% | 0.17% | 1.56% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 20M | 35M | 35.02M | 39.66M | 29.41M | 78.83M | 114.98M | 88.03M | 71.7M |
| Net Debt | 27.38M | 48.53M | 25.12M | 27.71M | 6.98M | 18.53M | 81.97M | 27.56M | 19.69M |
| Long-Term Debt | 0 | 20M | 30M | 30.27M | 20.41M | 67.77M | 102.86M | 69.72M | 52.77M |
| Short-Term Debt | 20M | 15M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 235.86M | 3.77M | 2.73M | 175.76M | 10.83M | 12.84M | 13.56M | 33.02M | -71.7M |
| Total Current Liabilities | 193.96M | 239.95M | 671.91M | 1.19B | 1.97B | 1.93B | 1.94B | 3.4B | 1.18B |
| Total Non-Current Liabilities | 236.61M | 427.7M | 37.75M | 215.42M | 40.24M | 91.67M | 128.54M | 121.06M | 0 |
| Total Liabilities | 430.57M | 667.65M | 712.77M | 1.41B | 2.02B | 2.02B | 2.07B | 3.52B | 3.46B |
| Total Equity | 49.7M▲ 0% | 101.36M▲ 104.0% | 120.52M▲ 18.9% | 168.88M▲ 40.1% | 246.53M▲ 46.0% | 260.36M▲ 5.6% | 288.15M▲ 10.7% | 511.84M▲ 77.6% | 576.59M▲ 12.7% |
| Equity Growth % | 11.38% | 103.95% | 18.91% | 40.13% | 45.97% | 5.61% | 10.68% | 77.63% | 12.65% |
| Equity / Assets (Capital Ratio) | 10.35% | 13.18% | 14.46% | 10.7% | 10.88% | 11.4% | 12.21% | 12.7% | 14.3% |
| Return on Equity (ROE) | 8.41% | 6.96% | 6.11% | 3.26% | 5.16% | 6.36% | 9.45% | 1.36% | 11.59% |
| Book Value per Share | 9.27 | 13.77 | 13.96 | 17.41 | 16.53 | 14.28 | 15.44 | 20.79 | 17.61 |
| Tangible BV per Share | 9.01 | 11.20 | 13.96 | 15.18 | 13.93 | 12.12 | 13.35 | 15.34 | 13.66 |
| Common Stock | 26.12M | 42.04M | 103.25M | 146.9M | 214.16M | 218.28M | 222.04M | 442.47M | 442.39M |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | 4.94M | 10.2M | 16.97M | 21.69M | 32.4M | 48.52M | 70.58M | 76.01M | 135.81M |
| Accumulated OCI | -12.69K | -51.12K | 302.71K | 295K | -38K | -6.44M | -4.46M | -6.64M | -1.62M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Southern California Bancorp (BCAL) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 3.73M | 7.43M | 8.37M | 12.36M | 19.65M | 13.35M | 33.1M | 50.29M | 57.29M |
| Operating CF Growth % | -5.62% | 99.3% | 12.72% | 47.58% | 59.01% | -32.06% | 147.92% | 51.93% | 13.91% |
| Net Income | 3.96M | 5.26M | 6.77M | 4.72M | 10.71M | 16.11M | 25.91M | 5.43M | 63.06M |
| Depreciation & Amortization | 442.36K | 793.4K | 1.28M | 1.45M | 1.72M | 2M | 1.92M | 3.64M | 0 |
| Deferred Taxes | 0 | 0 | -162K | -2.09M | 137K | -2.55M | 418K | -426K | 0 |
| Other Non-Cash Items | -1.04M | 268.26K | 11.32K | 4.84M | -6.85M | -3.84M | 2.13M | 14.7M | -10.06M |
| Working Capital Changes | 355.81K | 1.11M | -127.96K | 782K | 8.44M | -2.05M | -1.79M | 20.71M | 4.29M |
| Cash from Investing | -83.18M | -38.45M | -34.73M | -301.69M | 8.52M | -512.7M | -78.93M | 524.65M | 29.75M |
| Purchase of Investments | -18.99M | -1.66M | -14.4K | -14.37M | -28.37M | -160.37M | -67.69M | -8.74M | 0 |
| Sale/Maturity of Investments | 1.85M | 2.26M | 9.27M | 14.8M | 8.44M | 33.71M | 48.35M | 30.93M | 17.3M |
| Net Investment Activity | -17.14M | 599.35K | 9.26M | 427K | -19.93M | -126.66M | -19.34M | 22.19M | 17.3M |
| Acquisitions | 0 | -20.57M | 0 | 36.97M | 33.95M | 0 | 0 | 336.3M | 0 |
| Other Investing | -65.34M | -17.83M | -42.78M | -337.32M | -3.75M | -384.96M | -59.28M | 166.72M | 12.45M |
| Cash from Financing | 50.76M | 57.81M | 50.53M | 449.3M | 301.01M | 6.1M | 45.86M | -273.58M | -75.29M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -3.25M |
| Share Repurchases | 0 | 0 | 0 | 0 | -3.67M | -574K | -889K | -1.97M | -6.03M |
| Stock Issued | 801.19K | 25.14M | 11.44M | 40.63M | 0 | 0 | 0 | 0 | 132K |
| Net Stock Activity | 801.19K | 25.14M | 11.44M | 40.63M | -3.67M | -574K | -889K | -1.97M | -5.9M |
| Debt Issuance (Net) | 1000K | 1000K | -1000K | 1000K | -1000K | 1000K | 1000K | -1000K | -1000K |
| Other Financing | 29.96M | 17.67M | 44.1M | 282.19M | 518.62M | -40.23M | 11.75M | -186.61M | -28.14M |
| Net Change in Cash | -28.69M▲ 0% | 26.79M▲ 193.4% | 24.18M▼ 9.7% | 159.97M▲ 561.5% | 329.19M▲ 105.8% | -493.25M▼ 249.8% | 33K▲ 100.0% | 301.37M▲ 913139.4% | 11.75M▼ 96.1% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 0 | 0 | 66.67M | 90.85M | 250.82M | 580.01M | 86.76M | 86.79M | 388.16M |
| Cash at End | -28.69M | 26.79M | 90.85M | 250.82M | 580.01M | 86.76M | 86.79M | 388.16M | 399.91M |
| Interest Paid | 0 | 0 | 6.97M | 5.71M | 3.59M | 5.55M | 29.03M | 52.09M | 58.48M |
| Income Taxes Paid | 0 | 0 | 3.45M | 5.51M | 1.03M | 7.95M | 12.37M | 4.77M | 9.78M |
| Free Cash Flow | 3.03M▲ 0% | 6.78M▲ 123.4% | 7.17M▲ 5.8% | 10.59M▲ 47.8% | 17.9M▲ 69.0% | 12.27M▼ 31.4% | 32.8M▲ 167.3% | 49.74M▲ 51.6% | 56.94M▲ 14.5% |
| FCF Growth % | 964.95% | 123.4% | 5.76% | 47.81% | 68.99% | -31.44% | 167.3% | 51.65% | 14.48% |
Southern California Bancorp (BCAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.33% | 8.41% | 6.96% | 6.11% | 3.26% | 5.16% | 6.36% | 9.45% | 1.36% | 11.59% |
| Return on Assets (ROA) | 0.78% | 0.88% | 0.84% | 0.85% | 0.39% | 0.56% | 0.71% | 1.12% | 0.17% | 1.56% |
| Net Interest Margin | 0% | 0% | 0% | 3.7% | 2.91% | 2.84% | 3.84% | 3.99% | 3.05% | 4.19% |
| Efficiency Ratio | 15.92% | 16.69% | 15.01% | 55.8% | 68.29% | 73.8% | 65.59% | 47.08% | 52.99% | 41.62% |
| Equity / Assets | 10.5% | 10.35% | 13.18% | 14.46% | 10.7% | 10.88% | 11.4% | 12.21% | 12.7% | 14.3% |
| Book Value / Share | 10.26 | 9.27 | 13.77 | 13.96 | 17.41 | 16.53 | 14.28 | 15.44 | 20.79 | 17.61 |
| NII Growth | - | - | - | - | 48.91% | 40.19% | 36.29% | 7.24% | 30.64% | 37.49% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 5.16% |
Southern California Bancorp (BCAL) SEC filings — annual & quarterly reports (10-K, 10-Q)
Apr 28, 2026·SEC
Mar 12, 2026·SEC
Feb 18, 2026·SEC
Southern California Bancorp (BCAL) stock FAQ — growth, dividends, profitability & financials explained
Southern California Bancorp (BCAL) grew revenue by 26.2% over the past year. This is strong growth.
Yes, Southern California Bancorp (BCAL) is profitable, generating $63.1M in net income for fiscal year 2025 (27.1% net margin).
Yes, Southern California Bancorp (BCAL) pays a dividend with a yield of 0.52%. This makes it attractive for income-focused investors.
Southern California Bancorp (BCAL) has a return on equity (ROE) of 11.6%. This is reasonable for most industries.
Southern California Bancorp (BCAL) has a net interest margin (NIM) of 4.2%. This indicates healthy earnings from lending activities.
Southern California Bancorp (BCAL) has an efficiency ratio of 41.6%. This is excellent, indicating strong cost control.
Southern California Bancorp (BCAL) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates