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Southern California Bancorp(BCAL)Earnings, Financials & Key Ratios
BCAL•NASDAQ•Banking & Credit
10.2× P/E·Price updated Jun 19, 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%
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 near 52-week high
✗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.
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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
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.42+2.4%
$0.41
Rev
$44M+0.2%
$44M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.50
—
Rev
$55M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.50+13.6%
$0.44
Rev
$46M+1.9%
$45M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.48+23.1%
$0.39
Rev
$60M+31.8%
$45M
| 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CVBF | 2.83B | 20.81 | 13.69 | -2.33% | 32.48% | 9.25% | 0.43 | |
 BANC | 3.1B | 20.09 | 17.03 | -3.31% | 12.65% | 6.56% | 0.85 | |
 HAFC | 932.95M | 31.21 | 12.43 | 3.55% | 17.12% | 9.85% | 0.35 | |
 SMBC | 805.46M | 72.51 | 14.00 | 11.72% | 20.82% | 11.85% | 0.26 | |
 CBNK | 542.61M | 33.27 | 9.79 | 25.32% | 18.83% | 14.79% | 0.13 | |
 WAFD | 2.81B | 36.48 | 13.87 | -1.58% | 17.46% | 8.02% | 0.60 | |
 BOKF | 7.92B | 130.33 | 14.20 | -1.07% | 17.38% | 9.79% | 0.78 | |
 PFBC | 1.21B | 99.04 | 9.51 | -4.11% | 26.59% | 17.29% | 0.49 |
Compare BCAL vs Peers
Southern California Bancorp (BCAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BCAL Income Statement
Southern California Bancorp (BCAL) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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 |
BCAL Balance Sheet
Southern California Bancorp (BCAL) balance sheet — assets, liabilities & shareholders' equity
| Metric | 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 |
BCAL Cash Flow Statement
Southern California Bancorp (BCAL) cash flow — operating, investing & free cash flow history
| Metric | 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% |
BCAL Banking Ratios
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% |
Related:BCAL Dividend History·BCAL Revenue History·BCAL Price History·BCAL P/E History·BCAL Financial Ratios·BCAL Institutional Holders
BCAL SEC Filings & Documents
Southern California Bancorp (BCAL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 0.50%. 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.