Last 16 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Southern California Bancorp's quarterly P/E stands at 9.3x, up 15.1% year-over-year — indicating the stock has re-rated higher or earnings have softened. EV/EBITDA has expanded 23.4% YoY to 7.1x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.88 | 9.34 | 8.69 | 9.16 | 6.89 | 8.11 | — | 336.75 | 14.34 | 18.07 | 10.01 | 9.53 | 8.21 |
| — | +15.1% | — | -97.3% | -51.9% | -55.1% | — | +3434.4% | +74.6% | +97.6% | -6.1% | — | -83.0% | |
| P/S Ratio | 2.63 | 2.78 | 2.29 | 2.20 | 1.97 | 2.13 | 1.85 | 1.92 | 2.14 | 2.50 | 2.03 | 2.04 | 2.19 |
| — | +30.6% | +23.4% | +14.6% | -8.0% | -15.0% | -8.8% | -6.1% | -1.9% | -8.5% | -27.1% | -31.3% | -37.0% | |
| P/B Ratio | 1.08 | 1.06 | 0.97 | 0.94 | 0.88 | 1.06 | 0.82 | 0.86 | 0.96 | 1.13 | 0.94 | 0.94 | 1.01 |
| — | +0.5% | +17.8% | +8.9% | -8.0% | -6.3% | -12.7% | -7.7% | -4.7% | -5.3% | -20.4% | -16.5% | -11.0% | |
| P/FCF | 10.77 | 7.35 | 8.62 | 9.62 | 17.03 | 5.76 | 5.65 | 370.22 | 8.80 | — | 5.88 | 5.36 | 3.70 |
| — | +27.8% | +52.5% | -97.4% | +93.5% | — | -3.8% | +6810.1% | +138.0% | — | — | -41.4% | — | |
| EV / EBITDA | 7.19 | 7.05 | 5.44 | 5.83 | 4.72 | 5.72 | — | 97.72 | 9.20 | 15.11 | 6.76 | 6.36 | 5.61 |
| — | +23.4% | — | -94.0% | -48.6% | -62.2% | — | +1437.6% | +63.9% | +123.4% | -17.2% | — | -82.1% | |
| EV / EBIT | 7.19 | 7.05 | 5.79 | 6.24 | 5.02 | 6.11 | — | 249.93 | 9.75 | 16.16 | 7.12 | 6.66 | 5.86 |
| — | +15.5% | — | -97.5% | -48.5% | -62.2% | — | +3651.6% | +66.3% | +128.1% | -17.3% | — | -84.8% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Southern California Bancorp's operating margin was 40.6% in Q4 2025, up 4.2 pp QoQ and up 4.0 pp YoY. This marks the 3rd consecutive quarter of margin expansion, signaling a sustained improvement in operating efficiency. The trailing four-quarter average of 37.8% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 8.0% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.4% | 83.9% | 75.5% | 76.6% | 81.8% | 77.7% | 27.4% | 58.4% | 68.1% | 66.6% | 74.8% | 78.2% | 85.3% |
| — | +8.0% | +175.6% | +31.1% | +20.2% | +16.6% | -63.4% | -25.3% | -20.2% | -25.1% | -15.1% | -12.5% | -2.3% | |
| Operating Margin | 37.8% | 40.6% | 36.4% | 34.2% | 39.9% | 36.6% | -40.7% | 0.8% | 22.2% | 19.4% | 29.1% | 31.7% | 36.5% |
| — | +11.1% | +189.5% | +3967.9% | +79.5% | +88.7% | -240.1% | -97.3% | -39.2% | -52.6% | -18.4% | +802.4% | +267.6% | |
| Net Margin | 27.1% | 29.8% | 26.2% | 24.0% | 28.4% | 26.4% | -29.8% | 0.6% | 15.1% | 13.6% | 20.3% | 21.4% | 26.7% |
| — | +12.9% | +188.0% | +4080.6% | +87.9% | +94.2% | -246.7% | -97.3% | -43.5% | -54.6% | -22.4% | +772.7% | +271.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.6% | 2.9% | 2.8% | 2.6% | 3.2% | 3.3% | -4.2% | 0.1% | 1.7% | 1.6% | 2.4% | 2.5% | 3.1% |
| — | -13.4% | +167.8% | +3926.8% | +90.1% | +113.3% | -275.3% | -97.4% | -45.4% | -53.2% | -15.2% | +929.9% | +190.3% | |
| ROA | 1.6% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | -0.5% | 0.0% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% |
| — | +1.1% | +178.7% | +4180.7% | +98.1% | +111.7% | -274.4% | -97.2% | -40.9% | -48.8% | -5.2% | +1015.4% | +193.3% | |
| ROIC | 10.6% | 2.7% | 2.7% | 2.4% | 2.9% | 2.9% | -3.6% | 0.1% | 1.4% | 1.3% | 2.2% | 2.4% | 2.7% |
| — | -9.8% | +173.2% | +3966.9% | +101.3% | +124.3% | -262.9% | -97.5% | -45.4% | -53.4% | -13.4% | +953.5% | +165.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Southern California Bancorp's Debt/EBITDA ratio is 3.2x, up from 2.3x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 308.7% YoY to 0.24x, strengthening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.09 | 0.13 | 0.16 | 0.17 | 0.18 | 0.18 | 0.19 | 0.40 | 0.14 | 0.16 | 0.11 |
| — | -27.7% | -47.5% | -30.8% | -14.5% | -56.9% | +28.3% | +16.3% | +79.4% | +31.8% | +16.9% | +41.5% | -10.7% | |
| Debt / EBITDA | 0.82 | 3.20 | 2.27 | 3.24 | 3.47 | 3.54 | — | 75.73 | 7.32 | 17.08 | 3.89 | 4.15 | 2.45 |
| — | -9.6% | — | -95.7% | -52.6% | -79.3% | — | +1724.2% | +199.5% | +163.1% | +31.4% | — | -79.7% | |
| Current Ratio | 0.24 | 0.24 | 0.03 | 0.03 | 0.03 | 0.06 | 0.07 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 |
| — | +308.7% | -62.6% | -66.9% | -71.5% | -29.0% | -6.0% | -5.5% | +7.9% | -6.3% | — | — | — | |
| Quick Ratio | 0.24 | 0.24 | 0.03 | 0.03 | 0.03 | 0.06 | 0.07 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 |
| — | +308.7% | -62.6% | -66.9% | -71.5% | -29.0% | -6.0% | -5.5% | +7.9% | -6.3% | — | — | — | |
| Interest Coverage | 1.55 | 1.69 | 1.49 | 1.40 | 1.63 | 1.29 | -1.31 | 0.03 | 0.67 | 0.63 | 1.14 | 1.45 | 2.60 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 16 years · Updated daily
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Southern California Bancorp's current P/E is 9.9x. The average P/E over the last 4 quarters is 8.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Southern California Bancorp's current operating margin is 37.8%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Southern California Bancorp's business trajectory between earnings reports.