Southern California Bancorp (BCAL) P/E Ratio History
UndervaluedTrading at 10.2x vs 5Y avg 20.3x · 33th percentile · Below historical baseline · Data 2022–2025
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P/E Ratio Analysis
As of June 21, 2026, Southern California Bancorp (BCAL) trades at a price-to-earnings ratio of 10.2x, with a stock price of $19.74 and trailing twelve-month earnings per share of $1.92.
The current P/E is 50% below its 5-year average of 20.3x. Over the past five years, BCAL's P/E has ranged from a low of 8.4x to a high of 87.1x, placing the current valuation at the 33th percentile of its historical range.
Compared to the Financial Services sector median P/E of 13.6x, BCAL trades at a 25% discount to its sector peers. The sector includes 783 companies with P/E ratios ranging from 0.0x to 196.5x.
The PEG ratio of 0.32 (P/E divided by 777% EPS growth) suggests the stock may be undervalued relative to its earnings growth. Peter Lynch popularized the rule that a PEG below 1.0 indicates an attractive entry point.
Relative to the broader market, BCAL trades at a notable discount to the S&P 500 median P/E of 24.4x. Investors should consider the company's growth prospects, competitive position, and earnings quality when evaluating whether the current valuation is justified.
For a comprehensive intrinsic value estimate using discounted cash flow analysis, see our BCAL DCF Valuation Calculator →
Note: P/E ratio is just one valuation metric. It does not account for balance sheet strength, cash flow quality, or growth sustainability. Always conduct comprehensive due diligence before making investment decisions.
BCAL Cross-Benchmark Valuation
How does the current P/E compare to sector peers and the broader market?
BCAL P/E vs Peers
Commercial and middle-market focused banks peers sorted by market cap
| Company | Market Cap | P/E Ratio | PEG Ratio | EPS Growth (1Y) |
|---|---|---|---|---|
| $3B | 13.7 | 4.31 | +6% | |
| $3B | 17.0 | - | +127%Best | |
| $933M | 12.4 | 0.98 | +22% | |
| $805M | 14.0 | 1.20 | +17% | |
| $543M | 9.8 | 0.77 | +60% | |
| $3B | 13.9 | 4.51 | +5% | |
| $8B | 14.2 | 1.73 | +13% | |
| $1B | 9.5Lowest | 0.54Best | +8% | |
| $1B | 15.5 | 7.61 | +79% | |
| $2B | 14.0 | 1.99 | +13% |
Lower P/E can signal a discount or weaker growth expectations; PEG adds growth context.
BCAL Historical P/E Data (2022–2025)
Quarterly P/E ratios calculated from closing price and TTM EPS
| Quarter | Period End | Price | TTM EPS | P/E Ratio | vs Avg |
|---|---|---|---|---|---|
| FY2025 Q4 | Dec 31 2025 | $18.67 | $1.93 | 9.7x | -52% |
| FY2025 Q3 | - | $16.68 | $1.94 | 8.6x | -58% |
| FY2025 Q2 | Jun 30 2025 | $15.76 | $0.87 | 18.1x | -11% |
| FY2025 Q1 | Mar 31 2025 | $14.33 | $0.45 | 31.8x | +57% |
| FY2024 Q4 | - | $16.54 | $0.19 | 87.1x | +329% |
| FY2024 Q2 | Jun 30 2024 | $13.47 | $0.86 | 15.7x | -23% |
| FY2024 Q1 | Mar 31 2024 | $14.91 | $1.21 | 12.3x | -39% |
| FY2023 Q4 | Dec 31 2023 | $17.35 | $1.39 | 12.5x | -39% |
| FY2023 Q3 | Sep 30 2023 | $14.01 | $1.61 | 8.7x | -57% |
| FY2023 Q2 | Jun 30 2023 | $13.72 | $1.64 | 8.4x | -59% |
| FY2023 Q1 | Mar 31 2023 | $14.45 | $1.24 | 11.7x | -43% |
| FY2022 Q4 | Dec 31 2022 | $16.83 | $0.88 | 19.1x | -6% |
Average P/E for displayed period: 20.3x
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
Historical Returns
4+ years return with dividends reinvested.
DCA Calculator
See how regular investing compounds over time.
Peer Comparison
Compare growth, multiples, and margins vs sector.
BCAL — Frequently Asked Questions
Quick answers to the most common questions about buying BCAL stock.
What is BCAL's P/E ratio?
Southern California Bancorp (BCAL) trailing twelve-month P/E ratio is 10.2x, based on TTM diluted EPS of $1.92. The 5-year average P/E is 20.3x and the historical range spans 8.4x to 87.1x.
Is BCAL stock overvalued or undervalued?
BCAL trades at 10.2x P/E, below its 5-year average of 20.3x. At the 33th percentile of its historical range (8.4x–87.1x), the stock is priced at a discount to its own history.
Is BCAL stock expensive?
No, BCAL is not expensive on a historical basis. The current P/E of 10.2x is below the 5-year average of 20.3x and sits at the 33th percentile of its valuation range.
What is BCAL's historical P/E range?
Over the past 5 years, BCAL's P/E ratio has ranged from 8.4x to 87.1x, with a median of 12.5x and an average of 20.3x. The current P/E of 10.2x places the stock at the 33th percentile of this range. Full historical data spans 2022–2025.
How does BCAL's P/E compare to the S&P 500?
BCAL trades at 10.2x P/E versus the S&P 500 median of 24.4x. The 58% discount to the market suggests lower growth expectations or perceived higher risk.
How does BCAL's valuation compare to Financial Services peers?
Southern California Bancorp P/E of 10.2x compares to the Financial Services sector median of 13.6x. The discount suggests lower growth expectations, weaker margins, or higher perceived risk relative to peers. See the peer comparison table on this page for ticker-by-ticker P/E and PEG.
What is BCAL's PEG ratio?
BCAL PEG ratio is 0.32, based on a P/E of 10.2x and EPS growth of 777.3%. A PEG below 1.0 indicates the valuation is supported by the earnings growth rate — typically considered attractive.
What is BCAL's earnings yield?
BCAL earnings yield is 9.78%, the inverse of its 10.2x P/E ratio. Earnings yield represents the percentage of each dollar invested that the company earns. It can be compared directly to bond yields to assess relative attractiveness of stocks versus fixed income.