Southern California Banco... (BCAL)
Southern California Bancorp Statistics
Share Statistics
Southern California Bancorp has 32.17M shares outstanding. The number of shares has increased by 73.49% in one year.
| Shares Outstanding | 32.17M |
| Shares Change (YoY) | 73.49% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 22.42M |
| Failed to Deliver (FTD) Shares | 1 |
| FTD / Avg. Volume | < 0.01% |
Short Selling Information
The latest short interest is 339.02K, so 1.05% of the outstanding shares have been sold short.
| Short Interest | 339.02K |
| Short % of Shares Out | 1.05% |
| Short % of Float | 1.52% |
| Short Ratio (days to cover) | 4.86 |
Valuation Ratios
The PE ratio is 12.22 and the forward PE ratio is 8.6. Southern California Bancorp's PEG ratio is 0.21.
| PE Ratio | 12.22 |
| Forward PE | 8.6 |
| PS Ratio | 2.49 |
| Forward PS | 2.3 |
| PB Ratio | 1.1 |
| P/FCF Ratio | 10.5 |
| PEG Ratio | 0.21 |
Enterprise Valuation
Southern California Bancorp has an Enterprise Value (EV) of 398.55M.
| EV / Sales | 3.14 |
| EV / EBITDA | 10.28 |
| EV / EBIT | 13.09 |
| EV / FCF | 13.22 |
Financial Position
The company has a current ratio of 0.19, with a Debt / Equity ratio of 0.4.
| Current Ratio | 0.19 |
| Quick Ratio | 0.19 |
| Debt / Equity | 0.4 |
| Debt / EBITDA | 2.97 |
| Debt / FCF | 3.81 |
| Interest Coverage | 1.32 |
Financial Efficiency
Return on Equity is 8.99% and Return on Invested Capital is 2.2%.
| Return on Equity | 8.99% |
| Return on Assets | 1.1% |
| Return on Invested Capital | 2.2% |
| Revenue Per Employee | $423K |
| Profits Per Employee | $86.37K |
| Employee Count | 300 |
| Asset Turnover | 0.05 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 10.95M |
| Effective Tax Rate | 29.7% |
Stock Price Statistics
The stock price has increased by -2.21% in the last 52 weeks. The beta is 0.61, so Southern California Bancorp's price volatility has been higher than the market average.
| Beta | 0.61 |
| 52-Week Price Change | -2.21% |
| 50-Day Moving Average | 15.49 |
| 200-Day Moving Average | 15.26 |
| Relative Strength Index (RSI) | 27.63 |
| Average Volume (20 Days) | 97.73K |
Income Statement
In the last 12 months, Southern California Bancorp had revenue of 126.9M and earned 25.91M in profits. Earnings per share was 1.42.
| Revenue | 126.9M |
| Gross Profit | 126.9M |
| Operating Income | 38.77M |
| Net Income | 25.91M |
| EBITDA | 38.77M |
| EBIT | 36.86M |
| Earnings Per Share (EPS) | 1.42 |
Balance Sheet
The company has 33.01M in cash and 114.98M in debt, giving a net cash position of -81.97M.
| Cash & Cash Equivalents | 33.01M |
| Total Debt | 114.98M |
| Net Cash | -81.97M |
| Retained Earnings | 70.58M |
| Total Assets | 4.36B |
| Working Capital | 255.28M |
Cash Flow
In the last 12 months, operating cash flow was 30.45M and capital expenditures -302K, giving a free cash flow of 30.15M.
| Operating Cash Flow | 30.45M |
| Capital Expenditures | -302K |
| Free Cash Flow | 30.15M |
| FCF Per Share | 1.65 |
Margins
Gross margin is 100%, with operating and profit margins of 30.56% and 20.42%.
| Gross Margin | 100% |
| Operating Margin | 30.56% |
| Pretax Margin | 29.04% |
| Profit Margin | 20.42% |
| EBITDA Margin | 30.56% |
| EBIT Margin | 30.56% |
| FCF Margin | 23.76% |
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 | 8.18% |
| FCF Yield | 9.52% |
Analyst Forecast
The average price target for BCAL is $20, which is 40.9% higher than the current price. The consensus rating is "Buy".
| Price Target | $20 |
| Price Target Difference | 40.9% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
Scores
| Altman Z-Score | 0.17 |
| Piotroski F-Score | 3 |