Southern California Banco... (BCAL)
Southern California Bancorp Statistics
Share Statistics
Southern California Bancorp has 32.4M shares outstanding. The number of shares has increased by 73.49% in one year.
| Shares Outstanding | 32.4M |
| Shares Change (YoY) | 73.49% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | 73.53% |
| Shares Floating | 22.59M |
| Failed to Deliver (FTD) Shares | 50 |
| FTD / Avg. Volume | 0.05% |
Short Selling Information
The latest short interest is 355.04K, so 1.1% of the outstanding shares have been sold short.
| Short Interest | 355.04K |
| Short % of Shares Out | 1.1% |
| Short % of Float | 1.38% |
| Short Ratio (days to cover) | 2.4 |
Valuation Ratios
The PE ratio is 73.82 and the forward PE ratio is 7.26. Southern California Bancorp's PEG ratio is -0.87.
| PE Ratio | 73.82 |
| Forward PE | 7.26 |
| PS Ratio | 3.14 |
| Forward PS | 2.2 |
| PB Ratio | 0.78 |
| P/FCF Ratio | 8.06 |
| PEG Ratio | -0.87 |
Enterprise Valuation
Southern California Bancorp has an Enterprise Value (EV) of 358.89M.
| EV / Sales | 2.81 |
| EV / EBITDA | 0 |
| EV / EBIT | 7.14 |
| EV / FCF | 7.22 |
Financial Position
The company has a current ratio of 11.06, with a Debt / Equity ratio of 0.04.
| Current Ratio | 11.06 |
| Quick Ratio | 11.06 |
| Debt / Equity | 0.04 |
| Debt / EBITDA | - |
| Debt / FCF | 0.37 |
| Interest Coverage | -1.21 |
Financial Efficiency
Return on Equity is 1.06% and Return on Invested Capital is -12.4%.
| Return on Equity | 1.06% |
| Return on Assets | 0.13% |
| Return on Invested Capital | -12.4% |
| Revenue Per Employee | $442.09K |
| Profits Per Employee | $18.8K |
| Employee Count | 289 |
| Asset Turnover | 0.03 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 2.83M |
| Effective Tax Rate | 34.25% |
Stock Price Statistics
The stock price has increased by -4.4% in the last 52 weeks. The beta is 0.45, so Southern California Bancorp's price volatility has been higher than the market average.
| Beta | 0.45 |
| 52-Week Price Change | -4.4% |
| 50-Day Moving Average | 14.54 |
| 200-Day Moving Average | 15.21 |
| Relative Strength Index (RSI) | 50.33 |
| Average Volume (20 Days) | 110.36K |
Income Statement
In the last 12 months, Southern California Bancorp had revenue of 127.76M and earned 5.43M in profits. Earnings per share was 0.22.
| Revenue | 127.76M |
| Gross Profit | 179.8M |
| Operating Income | -68.71M |
| Net Income | 5.43M |
| EBITDA | 0 |
| EBIT | -3.64M |
| Earnings Per Share (EPS) | 0.22 |
Balance Sheet
The company has 60.47M in cash and 18.31M in debt, giving a net cash position of 42.16M.
| Cash & Cash Equivalents | 60.47M |
| Total Debt | 18.31M |
| Net Cash | 42.16M |
| Retained Earnings | 76.01M |
| Total Assets | 4.03B |
| Working Capital | 202.47M |
Cash Flow
In the last 12 months, operating cash flow was 50.29M and capital expenditures 0, giving a free cash flow of 49.74M.
| Operating Cash Flow | 50.29M |
| Capital Expenditures | 0 |
| Free Cash Flow | 49.74M |
| FCF Per Share | 2.05 |
Margins
Gross margin is 140.73%, with operating and profit margins of -53.78% and 4.25%.
| Gross Margin | 140.73% |
| Operating Margin | -53.78% |
| Pretax Margin | 6.47% |
| Profit Margin | 4.25% |
| EBITDA Margin | n/a |
| EBIT Margin | -53.78% |
| FCF Margin | 38.93% |
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% |
Analyst Forecast
The average price target for BCAL is $20, which is 48.4% higher than the current price. The consensus rating is "Buy".
| Price Target | $20 |
| Price Target Difference | 48.4% |
| Analyst Consensus | Buy |
| Analyst Count | 1 |
Scores
| Altman Z-Score | 0.18 |
| Piotroski F-Score | 5 |