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BCAL logoSouthern California Bancorp(BCAL)Earnings, Financials & Key Ratios

BCAL•NASDAQ•Banking & Credit
$19.05
$613M mkt cap·9.9× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutSouthern 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.Show more
  • Net Interest Income$169M+37.5%
  • Total Revenue$233M+26.2%
  • Net Income$63M+1060.6%
  • Return on Equity11.59%+753.1%
  • Net Interest Margin4.19%+37.4%
  • Efficiency Ratio41.62%-21.5%
  • ROA1.56%+819.8%
  • Equity / Assets14.3%+12.6%
  • Book Value per Share17.61-15.3%
  • Tangible BV/Share13.66-11.0%
  • Debt/Equity0.12-27.7%
Technical→

BCAL Key Insights

Southern California Bancorp (BCAL) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 67.9%
  • ✓Strong Piotroski F-Score: 7/9
  • ✓Strong NIM of 4.2%
  • ✓Efficient operations: 41.6% efficiency ratio
  • ✓Well capitalized: 14.3% equity/assets
  • ✓Trading at only 1.1x book value

✗Weaknesses

  • ✗Shares diluted 33.0% in last year

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

BCAL Price & Volume

Southern California Bancorp (BCAL) stock price & volume — 10-year historical chart

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BCAL Growth Metrics

Southern California Bancorp (BCAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years31.27%
5 Years33.86%
3 Years33.46%
TTM-

Profit CAGR

10 Years41.85%
5 Years67.93%
3 Years57.59%
TTM1060.65%

EPS CAGR

10 Years15.67%
5 Years31.54%
3 Years29.92%
TTM915.79%

Return on Capital

10 Years4.2%
5 Years5.44%
3 Years5.4%
Last Year5.04%

BCAL Recent Earnings

Southern California Bancorp (BCAL) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 28, 2026
EPS
$0.42
Est $0.41
+2.4%
Revenue
$44M
Est $44M
+0.2%
Q2 2026
Mar 13, 2026
EPS
$0.50
Revenue
$55M
Q1 2026
Jan 28, 2026
EPS
$0.50
Est $0.44
+13.6%
Revenue
$46M
Est $45M
+1.9%
Q4 2025
Oct 28, 2025
EPS
$0.48
Est $0.39
+23.1%
Revenue
$60M
Est $45M
+31.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 28, 2026
$0.42vs $0.41+2.4%
$44Mvs $44M+0.2%
Q2 2026Mar 13, 2026
$0.50
$55M
Q1 2026Jan 28, 2026
$0.50vs $0.44+13.6%
$46Mvs $45M+1.9%
Q4 2025Oct 28, 2025
$0.48vs $0.39+23.1%
$60Mvs $45M+31.8%
Based on last 12 quarters of dataView full earnings history →

BCAL Peer Comparison

Southern California Bancorp (BCAL) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.8B20.6313.57-2.33%9.25%0.43
BANC logoBANCBanc of California, Inc.Direct Competitor2.99B19.3916.43-3.31%6.56%0.85
HAFC logoHAFCHanmi Financial CorporationDirect Competitor909.33M30.4212.123.55%9.85%0.35
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Direct Competitor768.58M69.1913.3611.72%11.85%0.26
CBNK logoCBNKCapital Bancorp, Inc.Direct Competitor515.54M31.619.3025.32%14.79%0.13
WAFD logoWAFDWaFd, Inc.Product Competitor2.72B35.6413.55-1.58%8.02%0.60
BOKF logoBOKFBOK Financial CorporationProduct Competitor10.44B135.5416.6510.4%8.91%0.80
PFBC logoPFBCPreferred BankProduct Competitor1.17B96.089.23-4.11%17.29%0.49

Compare BCAL vs Peers

Southern California Bancorp (BCAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for BCAL.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BCAL against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, BANC, HAFC, SMBC

BCAL Income Statement

Southern California Bancorp (BCAL) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income0030.85M45.95M64.41M87.79M94.14M122.98M169.09M
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 Income0037.7M51.81M67.77M93.58M123.52M179.8M225.98M
Interest Expense2.32K104.06K6.84M5.87M3.36M5.79M29.38M56.81M56.89M
Loan Loss Provision-2.32K-104.06K1M4.55M1.2M5.96M915K21.69M-8.82M
Non-Interest Income21.5M31.33M1.95M2.39M3.79M4.44M3.38M4.78M7.01M
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 Expense3.59M4.7M22.13M37.01M52.82M64.29M59.75M97.81M96.97M
Efficiency Ratio16.69%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 Tax3M2.27M2.91M2.05M3.48M5.87M10.95M2.83M24.9M
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)3.96M5.26M6.77M4.72M10.71M16.11M25.91M5.43M63.06M
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)0.760.740.800.500.740.901.420.221.95
Diluted Shares Outstanding5.36M7.36M8.63M9.7M14.91M18.23M18.66M24.62M32.75M

BCAL Balance Sheet

Southern California Bancorp (BCAL) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments-7.38M-13.53M26.24M36.65M78M172.88M163.04M202.47M286.9M
Cash & Due from Banks-7.38M-13.53M9.9M11.95M22.43M60.3M33.01M60.47M52.01M
Short Term Investments0016.34M24.7M55.57M112.58M130.03M142M234.89M
Total Investments3.26M6.23M687.63M1.25B1.55B2.06B2.13B3.3B234.89M
Investments Growth %14.34%91.08%10941.02%81.54%24.06%32.77%3.39%55.28%-92.88%
Long-Term Investments3.26M6.23M671.29M1.22B1.49B1.94B2B3.16B0
Accounts Receivables000000000
Goodwill & Intangibles1.4M18.88M021.6M38.81M39.39M39M134.06M129.41M
Goodwill00019.72M36.78M37.8M37.8M111.79M110.93M
Intangible Assets1.4M18.88M01.88M2.02M1.58M1.2M22.27M18.48M
PP&E (Net)4.56M5.01M9.47M15.05M27.71M22.94M22.56M27.95M27.21M
Other Assets428.45M666.88M104.74M275.82M617.19M94.38M128.68M464.97M-10.1M
Total Current Assets41.2M68.94M26.24M36.65M78M172.88M163.04M202.47M286.9M
Total Non-Current Assets439.06M700.07M803.95M1.54B2.18B2.11B2.2B3.83B175.56M
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 Payable000000000
Total Debt20M35M35.02M39.66M29.41M78.83M114.98M88.03M71.7M
Net Debt27.38M48.53M25.12M27.71M6.98M18.53M81.97M27.56M19.69M
Long-Term Debt020M30M30.27M20.41M67.77M102.86M69.72M52.77M
Short-Term Debt20M15M0000000
Other Liabilities235.86M3.77M2.73M175.76M10.83M12.84M13.56M33.02M-71.7M
Total Current Liabilities193.96M239.95M671.91M1.19B1.97B1.93B1.94B3.4B1.18B
Total Non-Current Liabilities236.61M427.7M37.75M215.42M40.24M91.67M128.54M121.06M0
Total Liabilities430.57M667.65M712.77M1.41B2.02B2.02B2.07B3.52B3.46B
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 Share9.2713.7713.9617.4116.5314.2815.4420.7917.61
Tangible BV per Share9.0111.2013.9615.1813.9312.1213.3515.3413.66
Common Stock26.12M42.04M103.25M146.9M214.16M218.28M222.04M442.47M442.39M
Additional Paid-in Capital000000000
Retained Earnings4.94M10.2M16.97M21.69M32.4M48.52M70.58M76.01M135.81M
Accumulated OCI-12.69K-51.12K302.71K295K-38K-6.44M-4.46M-6.64M-1.62M
Treasury Stock000000000
Preferred Stock000000000

BCAL Cash Flow Statement

Southern California Bancorp (BCAL) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations3.73M7.43M8.37M12.36M19.65M13.35M33.1M50.29M57.29M
Operating CF Growth %-5.62%99.3%12.72%47.58%59.01%-32.06%147.92%51.93%13.91%
Net Income3.96M5.26M6.77M4.72M10.71M16.11M25.91M5.43M63.06M
Depreciation & Amortization442.36K793.4K1.28M1.45M1.72M2M1.92M3.64M0
Deferred Taxes00-162K-2.09M137K-2.55M418K-426K0
Other Non-Cash Items-1.04M268.26K11.32K4.84M-6.85M-3.84M2.13M14.7M-10.06M
Working Capital Changes355.81K1.11M-127.96K782K8.44M-2.05M-1.79M20.71M4.29M
Cash from Investing-83.18M-38.45M-34.73M-301.69M8.52M-512.7M-78.93M524.65M29.75M
Purchase of Investments-18.99M-1.66M-14.4K-14.37M-28.37M-160.37M-67.69M-8.74M0
Sale/Maturity of Investments1.85M2.26M9.27M14.8M8.44M33.71M48.35M30.93M17.3M
Net Investment Activity-17.14M599.35K9.26M427K-19.93M-126.66M-19.34M22.19M17.3M
Acquisitions0-20.57M036.97M33.95M00336.3M0
Other Investing-65.34M-17.83M-42.78M-337.32M-3.75M-384.96M-59.28M166.72M12.45M
Cash from Financing50.76M57.81M50.53M449.3M301.01M6.1M45.86M-273.58M-75.29M
Dividends Paid00000000-3.25M
Share Repurchases0000-3.67M-574K-889K-1.97M-6.03M
Stock Issued801.19K25.14M11.44M40.63M0000132K
Net Stock Activity801.19K25.14M11.44M40.63M-3.67M-574K-889K-1.97M-5.9M
Debt Issuance (Net)1000K1000K-1000K1000K-1000K1000K1000K-1000K-1000K
Other Financing29.96M17.67M44.1M282.19M518.62M-40.23M11.75M-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 Effect000000000
Cash at Beginning0066.67M90.85M250.82M580.01M86.76M86.79M388.16M
Cash at End-28.69M26.79M90.85M250.82M580.01M86.76M86.79M388.16M399.91M
Interest Paid006.97M5.71M3.59M5.55M29.03M52.09M58.48M
Income Taxes Paid003.45M5.51M1.03M7.95M12.37M4.77M9.78M
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%

BCAL Banking Ratios

Southern California Bancorp (BCAL) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin0%0%0%3.7%2.91%2.84%3.84%3.99%3.05%4.19%
Efficiency Ratio15.92%16.69%15.01%55.8%68.29%73.8%65.59%47.08%52.99%41.62%
Equity / Assets10.5%10.35%13.18%14.46%10.7%10.88%11.4%12.21%12.7%14.3%
Book Value / Share10.269.2713.7713.9617.4116.5314.2815.4420.7917.61
NII Growth----48.91%40.19%36.29%7.24%30.64%37.49%
Dividend Payout---------5.16%

BCAL SEC Filings & Documents

Southern California Bancorp (BCAL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 28, 2026·SEC

Material company update

Mar 12, 2026·SEC

Material company update

Feb 18, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Apr 1, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 8, 2025·SEC

FY 2025

May 9, 2025·SEC

BCAL Frequently Asked Questions

Southern California Bancorp (BCAL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More BCAL

Southern California Bancorp (BCAL) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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