Price Alert

Southern California Banco... (BCAL)

NASDAQ: BCAL · Real-Time Price · USD

16.04

-0.06 (-0.37%)

At close: Aug 15, 2025, 2:34 PM

Southern California Bancorp Statistics

Share Statistics

Southern California Bancorp has 32.41M shares outstanding. The number of shares has increased by 0.93% in one year.

Shares Outstanding	32.41M
Shares Change (YoY)	0.93%
Shares Change (QoQ)	0.77%
Owned by Institutions (%)	56.43%
Shares Floating	22.72M
Failed to Deliver (FTD) Shares	13
FTD / Avg. Volume	0.01%

Short Selling Information

The latest short interest is 349.83K, so 1.08% of the outstanding shares have been sold short.

Short Interest	349.83K
Short % of Shares Out	1.08%
Short % of Float	1.26%
Short Ratio (days to cover)	3.13

Valuation Ratios

The PE ratio is 73.82 and the forward PE ratio is 9.4. Southern California Bancorp's PEG ratio is -0.87.

PE Ratio	73.82
Forward PE	9.4
PS Ratio	2.17
Forward PS	2.7
PB Ratio	0.78
P/FCF Ratio	8.06
PEG Ratio	-0.87

Financial Ratio History

Enterprise Valuation

Southern California Bancorp has an Enterprise Value (EV) of 428.61M.

EV / Sales	2.32
EV / EBITDA	36.02
EV / EBIT	8.52
EV / FCF	8.62

Financial Position

The company has a current ratio of 0.06, with a Debt / Equity ratio of 0.17.

Current Ratio	0.06
Quick Ratio	0.06
Debt / Equity	0.17
Debt / EBITDA	7.4
Debt / FCF	1.77
Interest Coverage	0.15

Financial Efficiency

Return on Equity is 1.06% and Return on Invested Capital is 0.85%.

Return on Equity	1.06%
Return on Assets	0.13%
Return on Invested Capital	0.85%
Revenue Per Employee	$636.47K
Profits Per Employee	$18.73K
Employee Count	290
Asset Turnover	0.05
Inventory Turnover	n/a

Taxes

Income Tax	2.83M
Effective Tax Rate	34.25%

Stock Price Statistics

The stock price has increased by 8.9% in the last 52 weeks. The beta is 0.55, so Southern California Bancorp's price volatility has been higher than the market average.

Beta	0.55
52-Week Price Change	8.9%
50-Day Moving Average	15.48
200-Day Moving Average	15.47
Relative Strength Index (RSI)	43.37
Average Volume (20 Days)	124,450

Income Statement

In the last 12 months, Southern California Bancorp had revenue of 184.58M and earned 5.43M in profits. Earnings per share was 0.22.

Revenue	184.58M
Gross Profit	106.07M
Operating Income	8.26M
Net Income	5.43M
EBITDA	11.9M
EBIT	8.26M
Earnings Per Share (EPS)	0.22

Full Income Statement

Balance Sheet

The company has 60.47M in cash and 88.03M in debt, giving a net cash position of -27.56M.

Cash & Cash Equivalents	60.47M
Total Debt	88.03M
Net Cash	-27.56M
Retained Earnings	76.01M
Total Assets	3.95B
Working Capital	272.18M

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was 50.29M and capital expenditures -552K, giving a free cash flow of 49.74M.

Operating Cash Flow	50.29M
Capital Expenditures	-552K
Free Cash Flow	49.74M
FCF Per Share	2.05

Full Cash Flow Statement

Margins

Gross margin is 57.47%, with operating and profit margins of 4.48% and 2.94%.

Gross Margin	57.47%
Operating Margin	4.48%
Pretax Margin	4.48%
Profit Margin	2.94%
EBITDA Margin	6.45%
EBIT Margin	4.48%
FCF Margin	26.95%

Dividends & Yields

BCAL does not appear to pay any dividends at this time.

Dividend Per Share	n/a
Dividend Yield	n/a
Dividend Growth (YoY)	n/a
Payout Ratio	n/a
Earnings Yield	1.35%
FCF Yield	12.4%

Dividend Details

Analyst Forecast

The average price target for BCAL is $19.5, which is 27.5% higher than the current price. The consensus rating is "Hold".

Price Target	$19.5
Price Target Difference	27.5%
Analyst Consensus	Hold
Analyst Count	2

Stock Forecasts

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value	$1.1
Lynch Upside	-92.81%
Graham Number	10.32
Graham Upside	-32.55%

Scores

Altman Z-Score	0.3
Piotroski F-Score	5