(BCAL) Southern California Bancorp - Overview
Stock: Checking, Savings, Loans, Treasury, Online
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 0.53% |
| Yield on Cost 5y | 0.78% |
| Yield CAGR 5y | 0.00% |
| Payout Consistency | 100.0% |
| Payout Ratio | 5.2% |
| Risk 5d forecast | |
|---|---|
| Volatility | 28.0% |
| Relative Tail Risk | -26.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.65 |
| Alpha | 6.23 |
| Character TTM | |
|---|---|
| Beta | 0.800 |
| Beta Downside | 0.930 |
| Drawdowns 3y | |
|---|---|
| Max DD | 32.26% |
| CAGR/Max DD | 0.14 |
Description: BCAL Southern California Bancorp December 27, 2025
California BanCorp. (NASDAQ: BCAL) is the holding company for California Bank of Commerce, N.A., a regional bank that offers a full suite of deposit products (checking, savings, money-market accounts, CDs) and a broad array of loan and treasury-management services to individuals, professionals, and small- to medium-sized businesses across the United States. Its product mix includes consumer and commercial loans, SBA financing, construction and land-development financing, home-equity lines, and various cash-management solutions such as remote deposit capture and lockbox services. The firm rebranded from Southern California Bancorp to California BanCorp. in August 2024 and is headquartered in San Diego, California.
According to the most recent Q3 2024 filing, BCAL reported approximately **$2.1 billion in total assets**, a **$200 million net income**, and a **loan-to-deposit ratio of roughly 68%**, indicating a balanced funding profile. Its **net interest margin (NIM) sits near 3.2%**, and the loan portfolio grew **~5% year-over-year**, driven primarily by commercial real-estate and SBA loan extensions. These metrics place BCAL in the mid-range of the Regional Banks sub-industry, where average NIMs hover around 3.0% and loan growth averages 3-4%.
The bank’s performance is closely tied to two macro drivers: (1) **Federal Reserve policy**-the current policy rate of ~5.5% compresses NIMs for low-rate deposit bases but can boost net interest income if loan pricing adjusts quickly; and (2) **California’s real-estate cycle**-a slowdown in residential construction and a modest dip in commercial-property valuations could pressure the bank’s CRE loan quality, while a rebound in small-business activity would support its SBA and commercial loan pipelines. Monitoring these factors is essential for assessing BCAL’s earnings outlook.
For a deeper, data-driven dive into BCAL’s valuation and risk profile, you might find the analytical tools on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income: 63.1m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 1.04 > 1.0 |
| NWC/Revenue: -382.6% < 20% (prev -1919 %; Δ 1536 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 60.0m > Net Income 63.1m |
| Net Debt (19.7m) to EBITDA (92.2m): 0.21 < 3 |
| Current Ratio: 0.24 > 1.5 & < 3 |
| Outstanding Shares: last quarter (32.8m) vs 12m ago 1.62% < -2% |
| Gross Margin: 79.37% > 18% (prev 0.61%; Δ 7876 % > 0.5%) |
| Asset Turnover: 5.78% > 50% (prev 4.13%; Δ 1.65% > 0%) |
| Interest Coverage Ratio: 1.15 > 6 (EBITDA TTM 92.2m / Interest Expense TTM 56.9m) |
Altman Z'' -1.06
| A: -0.22 (Total Current Assets 286.9m - Total Current Liabilities 1.18b) / Total Assets 4.03b |
| B: 0.03 (Retained Earnings 135.8m / Total Assets 4.03b) |
| C: 0.02 (EBIT TTM 65.6m / Avg Total Assets 4.03b) |
| D: 0.17 (Book Value of Equity 576.6m / Total Liabilities 3.46b) |
| Altman-Z'' Score: -1.06 = CCC |
What is the price of BCAL shares?
Over the past week, the price has changed by +4.64%, over one month by +5.04%, over three months by +1.37% and over the past year by +20.59%.
Is BCAL a buy, sell or hold?
- StrongBuy: 1
- Buy: 1
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BCAL price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.5 | 12.2% |
| Analysts Target Price | 21.5 | 12.2% |
| ValueRay Target Price | 20.1 | 5% |
BCAL Fundamental Data Overview February 09, 2026
P/S = 3.2934
P/B = 1.0773
Revenue TTM = 233.0m USD
EBIT TTM = 65.6m USD
EBITDA TTM = 92.2m USD
Long Term Debt = 33.4m USD (from longTermDebt, two quarters ago)
Short Term Debt = 3.63m USD (from shortTermDebt, two quarters ago)
Debt = 71.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 19.7m USD (from netDebt column, last quarter)
Enterprise Value = 405.9m USD (621.1m + Debt 71.7m - CCE 286.9m)
Interest Coverage Ratio = 1.15 (Ebit TTM 65.6m / Interest Expense TTM 56.9m)
EV/FCF = 6.81x (Enterprise Value 405.9m / FCF TTM 59.6m)
FCF Yield = 14.69% (FCF TTM 59.6m / Enterprise Value 405.9m)
FCF Margin = 25.59% (FCF TTM 59.6m / Revenue TTM 233.0m)
Net Margin = 27.06% (Net Income TTM 63.1m / Revenue TTM 233.0m)
Gross Margin = 79.37% ((Revenue TTM 233.0m - Cost of Revenue TTM 48.1m) / Revenue TTM)
Gross Margin QoQ = 83.89% (prev 75.51%)
Tobins Q-Ratio = 0.10 (Enterprise Value 405.9m / Total Assets 4.03b)
Interest Expense / Debt = 18.52% (Interest Expense 13.3m / Debt 71.7m)
Taxrate = 26.65% (5.97m / 22.4m)
NOPAT = 48.1m (EBIT 65.6m * (1 - 26.65%))
Current Ratio = 0.24 (Total Current Assets 286.9m / Total Current Liabilities 1.18b)
Debt / Equity = 0.12 (Debt 71.7m / totalStockholderEquity, last quarter 576.6m)
Debt / EBITDA = 0.21 (Net Debt 19.7m / EBITDA 92.2m)
Debt / FCF = 0.33 (Net Debt 19.7m / FCF TTM 59.6m)
Total Stockholder Equity = 555.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.56% (Net Income 63.1m / Total Assets 4.03b)
RoE = 11.36% (Net Income TTM 63.1m / Total Stockholder Equity 555.1m)
RoCE = 11.14% (EBIT 65.6m / Capital Employed (Equity 555.1m + L.T.Debt 33.4m))
RoIC = 8.01% (NOPAT 48.1m / Invested Capital 600.1m)
WACC = 9.35% (E(621.1m)/V(692.8m) * Re(8.86%) + D(71.7m)/V(692.8m) * Rd(18.52%) * (1-Tc(0.27)))
Discount Rate = 8.86% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 32.32%
[DCF Debug] Terminal Value 77.01% ; FCFF base≈42.9m ; Y1≈52.9m ; Y5≈90.1m
Fair Price DCF = 36.22 (EV 1.19b - Net Debt 19.7m = Equity 1.17b / Shares 32.4m; r=9.35% [WACC]; 5y FCF grow 25.0% → 2.90% )
EPS Correlation: 53.87 | EPS CAGR: 63.02% | SUE: 0.58 | # QB: 0
Revenue Correlation: 95.01 | Revenue CAGR: 30.88% | SUE: 3.63 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.40 | Chg30d=-0.017 | Revisions Net=-2 | Analysts=3
EPS current Year (2026-12-31): EPS=1.65 | Chg30d=-0.093 | Revisions Net=-2 | Growth EPS=-14.7% | Growth Revenue=+0.4%
EPS next Year (2027-12-31): EPS=1.80 | Chg30d=-0.040 | Revisions Net=-1 | Growth EPS=+9.1% | Growth Revenue=+6.4%