Southern California Bancorp (BCAL) Stock Price, News & Analysis

Company Overview

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.

Key Stats

• Today's Range: $14.35 to $14.99
• 50-Day Range: $12.16 to $15.99
• 52-Week Range: $11.87 to $18.49
• Volume: 105,370 shs
• Average Volume: 85,276 shs
• Market Capitalization: $482.47 million
• P/E Ratio: 78.37
• Dividend Yield: N/A
• Price Target: $19.50
• Consensus Rating: Buy

Southern California Bancorp Stock Analysis - MarketRank™

Southern California Bancorp scored higher than 58% of companies evaluated by MarketBeat, and ranked 665th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

Southern California Bancorp has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

Southern California Bancorp has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of Southern California Bancorp is 78.37, which means that it is trading at a more expensive P/E ratio than the market average P/E ratio of about 21.94.

Price to Earnings Ratio vs. Sector

The P/E ratio of Southern California Bancorp is 78.37, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 22.40.

Price to Book Value per Share Ratio

Southern California Bancorp has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.57% of the float of Southern California Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Southern California Bancorp has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern California Bancorp has recently decreased by 0.17%, indicating that investor sentiment is improving.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Southern California Bancorp does not currently pay a dividend.

Dividend Growth

Southern California Bancorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.57% of the float of Southern California Bancorp has been sold short.

Short Interest Ratio / Days to Cover

Southern California Bancorp has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Southern California Bancorp has recently decreased by 0.17%, indicating that investor sentiment is improving.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.03

News Sentiment

Southern California Bancorp has a news sentiment score of 1.03. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.89 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 13 news articles for Southern California Bancorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Southern California Bancorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.84% of the stock of Southern California Bancorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

55.40% of the stock of Southern California Bancorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BCAL Stock Analysis - Frequently Asked Questions

How have BCAL shares performed this year?

Southern California Bancorp's stock was trading at $16.54 at the start of the year. Since then, BCAL stock has decreased by 10.0% and is now trading at $14.89.
View the best growth stocks for 2025 here.

How were Southern California Bancorp's earnings last quarter?

Southern California Bancorp (NASDAQ:BCAL) released its quarterly earnings results on Thursday, April, 24th. The company reported $0.52 EPS for the quarter, topping the consensus estimate of $0.38 by $0.14. The business had revenue of $44.82 million for the quarter, compared to analysts' expectations of $44.86 million. Southern California Bancorp had a trailing twelve-month return on equity of 8.97% and a net margin of 2.94%.

Is Southern California Bancorp doing a stock buyback?

Southern California Bancorp's Board of Directors approved a stock repurchase program on Thursday, May 1st 2025, which permits the company to repurchase 1,600,000 outstanding shares, according to EventVestor. This permits the company to reacquire shares of its stock through open market purchases. Shares buyback programs are often an indication that the company's board of directors believes its shares are undervalued.

Who are Southern California Bancorp's major shareholders?

Top institutional investors of Southern California Bancorp include Hennessy Advisors Inc. (0.39%), Bank of New York Mellon Corp (0.20%), Rhumbline Advisers (0.09%) and ELCO Management Co. LLC (0.06%).
View institutional ownership trends.

How do I buy shares of Southern California Bancorp?

Shares of BCAL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Southern California Bancorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Southern California Bancorp investors own include American Water Works (AWK), The RMR Group (RMR), Waste Connections (WCN), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC), AUO (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/24/2025
• Today: 5/02/2025
• Next Earnings (Estimated): 5/05/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: National commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BCAL
• CIK: 1795815
• Web: www.banksocal.com
• Phone: (858) 847-4780
• Fax: N/A
• Employees: 204
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $19.50
• High Stock Price Target: $20.00
• Low Stock Price Target: $19.00
• Potential Upside/Downside: +30.7%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $0.45
• Trailing P/E Ratio: 78.56
• Forward P/E Ratio: 8.24
• P/E Growth: N/A
• Net Income: $5.43 million
• Net Margins: 2.94%
• Pretax Margin: -5.67%
• Return on Equity: 8.97%
• Return on Assets: 1.09%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.00
• Quick Ratio: 0.99

Sales & Book Value

• Annual Sales: $150.68 million
• Price / Sales: 3.21
• Cash Flow: $1.34 per share
• Price / Cash Flow: 11.11
• Book Value: $15.73 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 32,402,000
• Free Float: 25,848,000
• Market Cap: $483.47 million
• Optionable: Not Optionable
• Beta: 1.19