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Southern California Bancorp

BCAL • Banks - Regional
$21.90
▲ +0.23 (+1.06%)
Current price
EarningsLatest report: Mar 31, 2026
HIGHLY FAVORABLE PROFILEExcellentConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology
Analysis thesis: Strong business quality with supportive growth and cash-flow evidence. Valuation still matters, but the historical ratio profile is favorable.
Market Cap
$715.60M
Growth
8.9%
Cash Flow
5/5
Trend
Stable
Evidence
Stable or improving margins · 27.1%Positive revenue growth · 9.4%Positive free cash flow · 1.74Consistent free cash flow · 5/5Reasonable earnings multiple · 9.7
Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 28, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$21.90
Change1.06%
Shares Out32.68M
Market Cap$715.60M
Enterprise Value$394.82M
52W Range14.56 - 20.47
Beta0.31
P/E11.93
P/S3.12
P/B1.24
P/FCF12.24
EV/Sales1.72

Investment DNA

How strong this company looks for long-term investors

83
out of 100
Business Quality
Margins, moat, returns
90/100
Financial Strength
Debt, cash, stability
39/100
Growth Potential
Revenue and expansion
88/100
Price Attractiveness
Cheap or expensive today
90/100
Why this score▼
Stable or improving margins · 27.1%Positive revenue growth · 9.4%Positive free cash flow · 1.74Consistent free cash flow · 5/5Reasonable earnings multiple · 9.7Manageable debt level · 0.12

Analyst view

Analyst sentiment and price target

BCAL
Analyst sentiment
Based on 3 analyst votes · 2026-09-05
100/100
Bullish
Bullish
3
Hold
0
Bearish
0
Price Target
2026-06-23
Low
$22.00
Mean
$22.00
Median
$22.00
High
$22.00

Company Overview

IPO: 11/10/2005
Industry: Banks - Regional
P/B i: 1.24
Debt / Equity i: 0.12
Operating Margin: 37.75%
Net Margin: 27.06%
ROE i: -
ROIC: -

Financial Health

Score8 / 20
Debt / Equity: 0.12
Current Ratio: 0.24
Quick Ratio: 0.24
Status: Moderate

Warnings

  • Weak Liquidity
  • Weak quick ratio

Insider Transactions

Recent executive and insider activity

Wirfel Michelle
Transaction: 06/21/2026
SELL
Change
-93
Price
$19.74
Filing
06/22/2026
Type
SELL
Carandang Jean
Transaction: 06/08/2026
SELL
Change
-1,185
Price
$19.39
Filing
06/08/2026
Type
SELL
Klein Rochelle G.
Transaction: 06/01/2026
BUY
Change
+3,196
Price
Not reported
Filing
06/03/2026
Type
BUY