Southern California Bancorp (BCAL) Earnings History
Elite Compounder21 years of earnings data (2005–2025) · 5-year EPS CAGR exceeds 18% — top-tier earnings quality
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Southern California Bancorp (BCAL) Earnings Overview
As of June 23, 2026, Southern California Bancorp (BCAL) reported trailing twelve-month net income of $63M, reflecting +777.3% year-over-year growth. The company earned $1.92 per diluted share over the past four quarters, with a net profit margin of 27.1%.
Looking at the long-term picture, BCAL's 5-year EPS compound annual growth rate (CAGR) stands at +31.5%, indicating exceptional earnings growth. The company achieved its highest annual net income of $63M in fiscal 2025, representing a new all-time high.
Southern California Bancorp maintains industry-leading profitability with a gross margin of 79.4%, operating margin of 37.8%, and net margin of 27.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CVBF ($209M net income, 32.5% margin), BANC ($229M net income, 12.6% margin), HAFC ($76M net income, 17.1% margin), BCAL has room to improve margins relative to the peer group. Compare BCAL vs CVBF →
BCAL Earnings vs Peers
Earnings metrics vs comparable public companies
BCAL Historical Earnings Data (2005–2025)
21 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $63M | +1060.6% | $88M | $1.93 | 27.1% | 37.8% |
| 2024 | $5M | -79.0% | $8M | $0.22 | 2.9% | 4.5% |
| 2023 | $26M | +60.8% | $37M | $1.39 | 20.4% | 29.0% |
| 2022 | $16M | +50.5% | $22M | $0.88 | 16.4% | 22.4% |
| 2021 | $11M | +126.8% | $14M | $0.72 | 15.0% | 19.8% |
| 2020 | $5M | -30.3% | $7M | $0.49 | 8.7% | 12.5% |
| 2019 | $7M | +28.8% | $10M | $0.78 | 17.1% | 24.4% |
| 2018 | $5M | +32.6% | $632,257 | $0.71 | 16.8% | 2.0% |
| 2017 | $4M | +31.8% | $18M | $0.74 | 18.4% | 83.3% |
| 2016 | $3M | +57.4% | $5M | $0.69 | 16.5% | 28.4% |
| 2015 | $2M | -53.0% | $3M | $0.45 | 12.5% | 22.5% |
| 2014 | $4M | +231.3% | $3M | $1.21 | 33.3% | 25.8% |
| 2013 | $1M | +7.9% | $798,073 | $0.38 | 13.3% | 8.6% |
| 2012 | $1M | +7.4% | $760,278 | $0.33 | 12.0% | 8.0% |
| 2011 | $1M | +256.2% | $738,313 | $0.28 | 10.5% | 7.3% |
| 2010 | $-678,501 | +29.9% | $-677,701 | $-0.26 | -9.3% | -9.3% |
| 2009 | $-967,658 | +83.3% | $-960,479 | $-0.37 | -16.4% | -16.3% |
| 2008 | -$6M | -2053.2% | -$6M | $-2.19 | -110.8% | -107.4% |
| 2007 | $-269,000 | +83.1% | $-268,000 | $-0.10 | -4.7% | -4.7% |
| 2006 | -$2M | -203.6% | -$2M | $-1.15 | -39.1% | -39.1% |
| 2005 | $-523,672 | - | $-522,872 | $-0.63 | -14.6% | -14.5% |
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BCAL — Frequently Asked Questions
Quick answers to the most common questions about buying BCAL stock.
What is BCAL earnings per share (EPS)?
BCAL trailing twelve-month (TTM) diluted EPS is $1.92, reflecting +777.3% year-over-year growth. The 5-year EPS CAGR is +31.5%. Complete EPS history from 2005 to 2025 is available in the table on this page.
What is Southern California Bancorp's net income?
Southern California Bancorp (BCAL) trailing twelve-month net income is $63M as of 2025. Earnings grew +777.3% year-over-year. Southern California Bancorp has been profitable for 15 consecutive years.
Is BCAL profitable?
Yes, BCAL is profitable with a TTM net income of $63M and a net profit margin of +27.1%. Southern California Bancorp has generated profits for 15 consecutive years.
What is BCAL's earnings growth rate?
BCAL compound annual EPS growth rates (CAGR): 1-Year: +777.3%, 3-Year: +29.9%, 5-Year: +31.5%, 10-Year: +15.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 2005 to 2025.
What are BCAL's profit margins?
Southern California Bancorp net profit margin is +27.1%, operating margin is +37.8%, and gross margin is +79.4%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.6%.
Is BCAL growing earnings?
Yes, BCAL earnings are accelerating — EPS growth of +777.3% exceeds the 5-year CAGR of +31.5%. TTM net income reached $63M. Earnings momentum is strengthening.
What was BCAL's best earnings year?
Southern California Bancorp's highest annual net income on record is $63M, achieved in fiscal year 2025. Earnings history on this page spans 2005 to 2025 and includes all annual and quarterly figures.
What were BCAL's earnings last quarter?
BCAL's most recent reported quarter was Q4 2025. Net income was $16M with diluted EPS of $0.50. For a full breakdown of all quarters, see the quarterly earnings table on this page.