Southern California Bancorp (BCAL) Earnings History
Annual and quarterly earnings data from 2005 to 2025
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BCAL EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
BCAL Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 79.4% | 37.8% | 27.1% |
| 2024 | 57.5% | 4.5% | 2.9% |
| 2023 | 76.1% | 29.0% | 20.4% |
| 2022 | 88.0% | 22.4% | 16.4% |
| 2021 | 93.6% | 19.8% | 15.0% |
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Southern California Bancorp (BCAL) Earnings Overview
As of May 8, 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% |
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Start ComparisonBCAL — Frequently Asked Questions
Quick answers to the most common questions about buying BCAL stock.
Is BCAL growing earnings?
BCAL EPS is $1.92, with earnings growth accelerating to +777.3%. This exceeds the 5-year CAGR of +31.5%. TTM net income reached $63M.
What are BCAL's profit margins?
Southern California Bancorp net margin is +27.1%, with operating margin at +37.8%. Above-average margins indicate pricing power.
How consistent are BCAL's earnings?
BCAL earnings data spans 2005-2025. The accelerating earnings trend is +777.3% YoY. Historical data enables comparison across business cycles.