Southern California Bancorp (BCAL) Financial Ratios
21 years of historical data (2005–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
7.19
↓-56% vs avg
5yr avg: 16.45
30Y Low5.8·High36.5
P/FCF
↓
10.76
↓-19% vs avg
5yr avg: 13.26
30Y Low8.2·High76.2
P/B Ratio
↑
1.08
+7% vs avg
5yr avg: 1.01
30Y Low0.6·High2.3
ROE
↑
11.6%
↓+71% vs avg
5yr avg: 6.8%
30Y Low-29%·High14%
Debt/EBITDA
↓
0.82
↓-75% vs avg
5yr avg: 3.26
30Y Low0.8·High24.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BCAL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Southern California Bancorp trades at 9.9x earnings, 64% below its 5-year average of 27.5x, sitting at the 13th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 26%. On a free-cash-flow basis, the stock trades at 10.8x P/FCF, 19% below the 5-year average of 13.3x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $613M | $611M | $407M | $324M | $307M | $224M | $124M | $110M | $97M | $79M | $50M |
| Enterprise Value | $632M | $631M | $435M | $406M | $325M | $231M | $151M | $135M | $146M | $106M | $56M |
| P/E Ratio → | 9.87 | 9.67 | 75.18 | 12.48 | 19.12 | 20.82 | 26.02 | 16.35 | 18.59 | 19.93 | 16.67 |
| P/S Ratio | 2.63 | 2.62 | 2.21 | 2.55 | 3.13 | 3.12 | 2.28 | 2.78 | 3.10 | 3.68 | 2.75 |
| P/B Ratio | 1.08 | 1.06 | 0.80 | 1.12 | 1.18 | 0.91 | 0.73 | 0.91 | 0.96 | 1.59 | 1.12 |
| P/FCF | 10.76 | 10.74 | 8.19 | 9.87 | 25.00 | 12.49 | 11.68 | 15.36 | 14.34 | 26.08 | — |
| P/OCF | 10.69 | 10.67 | 8.10 | 9.78 | 22.98 | 11.38 | 10.01 | 13.14 | 13.08 | 21.22 | 12.67 |
P/E links to full P/E history page with 30-year chart
BCAL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Southern California Bancorp's enterprise value stands at 7.2x EBITDA, 56% below its 5-year average of 16.4x. The Financial Services sector median is 11.4x, placing the stock at a 37% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.71 | 2.36 | 3.20 | 3.32 | 3.22 | 2.79 | 3.41 | 4.65 | 4.95 | 3.09 |
| EV / EBITDA | 7.19 | 7.17 | 36.54 | 10.46 | 13.56 | 14.49 | 18.42 | 12.33 | 102.21 | 5.80 | 9.96 |
| EV / EBIT | 7.19 | 7.17 | 52.62 | 11.01 | 14.80 | 16.25 | 22.37 | 13.96 | 19.35 | 15.28 | 11.09 |
| EV / FCF | — | 11.08 | 8.74 | 12.37 | 26.51 | 12.88 | 14.29 | 18.86 | 21.51 | 35.11 | — |
BCAL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Southern California Bancorp earns an operating margin of 37.8%, significantly above the Financial Services sector average of 21.2%. Operating margins have expanded from 29.0% to 37.8% over the past 3 years, signaling improving operational efficiency. ROE of 11.6% is modest. ROIC of 10.6% represents solid returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.4% | 79.4% | 57.5% | 76.1% | 88.0% | 93.6% | 80.8% | 80.2% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 37.8% | 37.8% | 4.5% | 29.0% | 22.4% | 19.8% | 12.5% | 24.4% | 2.0% | 83.3% | 28.4% |
| Net Profit Margin | 27.1% | 27.1% | 2.9% | 20.4% | 16.4% | 15.0% | 8.7% | 17.1% | 16.8% | 18.4% | 16.5% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.6% | 11.6% | 1.4% | 9.4% | 6.4% | 5.2% | 3.3% | 6.1% | 7.0% | 8.4% | 7.3% |
| ROA | 1.6% | 1.6% | 0.2% | 1.1% | 0.7% | 0.6% | 0.4% | 0.8% | 0.8% | 0.9% | 0.8% |
| ROIC | 10.6% | 10.6% | 1.2% | 7.4% | 5.4% | 4.4% | 2.8% | 5.0% | 0.5% | 23.5% | 8.7% |
| ROCE | 5.0% | 5.0% | 1.6% | 9.6% | 6.8% | 4.2% | 2.5% | 2.8% | 0.2% | 6.8% | 2.6% |
BCAL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Southern California Bancorp carries a Debt/EBITDA ratio of 0.8x, which is very conservative (80% below the sector average of 4.1x). Net debt stands at $20M ($72M total debt minus $52M cash). Interest coverage of just 1.5x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.17 | 0.40 | 0.30 | 0.12 | 0.23 | 0.29 | 0.35 | 0.40 | — |
| Debt / EBITDA | 0.82 | 0.82 | 7.40 | 2.97 | 3.29 | 1.85 | 4.82 | 3.19 | 24.55 | 1.09 | — |
| Net Debt / Equity | — | 0.03 | 0.05 | 0.28 | 0.07 | 0.03 | 0.16 | 0.21 | 0.48 | 0.55 | 0.14 |
| Net Debt / EBITDA | 0.22 | 0.22 | 2.32 | 2.11 | 0.77 | 0.44 | 3.37 | 2.29 | 34.04 | 1.49 | 1.10 |
| Debt / FCF | — | 0.35 | 0.55 | 2.50 | 1.51 | 0.39 | 2.62 | 3.51 | 7.16 | 9.03 | — |
| Interest Coverage | 1.55 | 1.55 | 0.15 | 1.25 | 3.80 | 4.22 | 1.15 | 1.42 | 72.38 | 3006.34 | 622.27 |
BCAL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.24x is below 1.0, meaning current liabilities exceed current assets. The current ratio has improved from 0.08x to 0.24x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.24 | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Quick Ratio | 0.24 | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Cash Ratio | 0.04 | 0.04 | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.01 | -0.06 | -0.04 | -0.03 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BCAL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Southern California Bancorp returns 1.5% to shareholders annually — split between a 0.5% dividend yield and 1.0% buyback yield. The payout ratio of 5.2% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 10.1% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.5% | 0.5% | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 5.2% | 5.2% | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 10.1% | 10.3% | 1.3% | 8.0% | 5.2% | 4.8% | 3.8% | 6.1% | 5.4% | 5.0% | 6.0% |
| FCF Yield | 9.3% | 9.3% | 12.2% | 10.1% | 4.0% | 8.0% | 8.6% | 6.5% | 7.0% | 3.8% | — |
| Buyback Yield | 1.0% | 1.0% | 0.5% | 0.3% | 0.2% | 1.6% | 0.0% | 0.0% | 0.0% | 0.0% | 5.5% |
| Total Shareholder Yield | 1.5% | 1.5% | 0.5% | 0.3% | 0.2% | 1.6% | 0.0% | 0.0% | 0.0% | 0.0% | 5.5% |
| Shares Outstanding | — | $33M | $25M | $19M | $18M | $15M | $10M | $9M | $7M | $5M | $4M |
Peer Comparison
Compare BCAL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BCALYou | $613M | 9.9 | 7.2 | 10.8 | 79.4% | 37.8% | 11.6% | 10.6% | 0.8 |
 CVBF | $3B | 13.6 | 13.1 | 12.9 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 BANC | $3B | 16.4 | 9.3 | 12.7 | 58.7% | 18.0% | 6.5% | 3.9% | 7.6 |
 HAFC | $909M | 12.1 | 8.6 | 4.5 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 SMBC | $769M | 13.4 | 8.5 | 10.2 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 CBNK | $516M | 9.3 | 7.3 | 7.7 | 73.6% | 23.3% | 15.1% | 12.6% | 0.7 |
 WAFD | $3B | 13.6 | 13.0 | 13.1 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BOKF | $10B | 16.7 | 17.4 | 7.3 | 57.1% | 19.8% | 9.8% | 4.1% | 5.8 |
 PFBC | $1B | 9.2 | 3.9 | 7.0 | 55.0% | 38.0% | 17.2% | 13.5% | 2.0 |
 CFFN | $1B | 15.1 | 29.9 | 20.4 | 47.3% | 19.9% | 6.5% | 2.0% | 21.5 |
 NBTB | $2B | 13.6 | 10.4 | 10.8 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 21 years · Updated daily
See BCAL's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs BCAL Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare BCAL vs CVBF
Side-by-side business, growth, and profitability comparison vs CVB Financial Corp..
Start ComparisonBCAL — Frequently Asked Questions
Quick answers to the most common questions about buying BCAL stock.
What is Southern California Bancorp's P/E ratio?
Southern California Bancorp's current P/E ratio is 9.9x. The historical average is 21.0x. This places it at the 13th percentile of its historical range.
What is Southern California Bancorp's EV/EBITDA?
Southern California Bancorp's current EV/EBITDA is 7.2x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.8x.
What is Southern California Bancorp's ROE?
Southern California Bancorp's return on equity (ROE) is 11.6%. The historical average is 2.0%.
Is BCAL stock overvalued?
Based on historical data, Southern California Bancorp is trading at a P/E of 9.9x. This is at the 13th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Southern California Bancorp's dividend yield?
Southern California Bancorp's current dividend yield is 0.52% with a payout ratio of 5.2%.
What are Southern California Bancorp's profit margins?
Southern California Bancorp has 79.4% gross margin and 37.8% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does Southern California Bancorp have?
Southern California Bancorp's Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.