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Upturn AI SWOT - About
BCAL 
Southern California Bancorp Common Stock (BCAL)
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Upturn Advisory Summary
07/03/2025: BCAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $17.67
1 Year Target Price $17.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 7.42% | Avg. Invested days 39 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 535.79M USD | Price to earnings Ratio 35.17 | 1Y Target Price 17.67 |
Price to earnings Ratio 35.17 | 1Y Target Price 17.67 | ||
Volume (30-day avg) 3 | Beta 0.51 | 52 Weeks Range 11.87 - 18.49 | Updated Date 07/4/2025 |
52 Weeks Range 11.87 - 18.49 | Updated Date 07/4/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.47 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 13.14% | Operating Margin (TTM) 50.81% |
Management Effectiveness
Return on Assets (TTM) 0.55% | Return on Equity (TTM) 4.21% |
Valuation
Trailing PE 35.17 | Forward PE - | Enterprise Value 159036880 | Price to Sales(TTM) 4.06 |
Enterprise Value 159036880 | Price to Sales(TTM) 4.06 | ||
Enterprise Value to Revenue 4.14 | Enterprise Value to EBITDA - | Shares Outstanding 32412900 | Shares Floating 17341894 |
Shares Outstanding 32412900 | Shares Floating 17341894 | ||
Percent Insiders 24.31 | Percent Institutions 64.2 |
Upturn AI SWOT
Southern California Bancorp Common Stock
Company Overview
History and Background
Southern California Bancorp (Symbol: BCAL) was founded in 2004 and is headquartered in Santa Ana, California. The bank provides a variety of financial products and services to businesses and individuals primarily in Southern California. It initially focused on serving the needs of small and medium-sized businesses.
Core Business Areas
- Commercial Banking: Provides a range of loan products including commercial real estate loans, SBA loans, and equipment financing. Also offers deposit accounts and cash management services.
- Retail Banking: Offers personal checking and savings accounts, as well as residential mortgage loans and other consumer lending products.
Leadership and Structure
The leadership team includes senior executives with experience in commercial banking, finance, and operations. The organizational structure is typical of a community bank, with departments focused on lending, retail banking, finance, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Provides financing for the purchase, refinance, or construction of commercial properties. Market share data for BCAL specific CRE loans is difficult to obtain, this is a competetive business line with larger national and regional banks such as Bank of America (BAC) and Wells Fargo (WFC).
- Small Business Administration (SBA) Loans: Offers SBA-guaranteed loans to small businesses for various purposes, including working capital, equipment purchases, and real estate. No specific market share data for BCAL is publicly available. Competitors include regional and national banks that participate in SBA lending such as U.S. Bancorp (USB) and JPMorgan Chase (JPM)
- Deposit Accounts: Personal and business checking, savings, and money market accounts. No specific market share data for BCAL is publicly available, this is a competetive business line with larger national and regional banks such as Bank of America (BAC) and Wells Fargo (WFC).
Market Dynamics
Industry Overview
The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and heightened competition from both traditional banks and non-bank financial institutions. The Southern California market is highly competitive but also offers opportunities for community banks with strong local relationships.
Positioning
Southern California Bancorp positions itself as a relationship-focused community bank, emphasizing personalized service and local expertise. Its competitive advantages include a strong understanding of the local market and a commitment to supporting small businesses.
Total Addressable Market (TAM)
The total addressable market for banking services in Southern California is substantial, encompassing both consumer and commercial segments. BCAL focuses on a niche segment of this market. TAM estimated to be $100B. BCAL is well positioned to capture more of this TAM as it grows.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-focused approach
- Experienced management team
- Solid asset quality
Weaknesses
- Limited geographic footprint
- Smaller balance sheet compared to larger banks
- Reliance on traditional banking model
Opportunities
- Expansion into new markets within Southern California
- Increased demand for SBA lending
- Growth in digital banking services
- Strategic acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from larger banks and fintech companies
- Economic downturn in Southern California
- Increased regulatory burden
Competitors and Market Share
Key Competitors
- BANC
- CMA
- UMPQ
Competitive Landscape
BCAL competes with larger regional and national banks, as well as other community banks and credit unions. Its advantages include a strong focus on customer service and a deep understanding of the local market. Disadvantages include its smaller size and limited resources compared to larger competitors.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady as BCAL expands operations in the Southern California market.
Future Projections: Analyst estimates project continued growth, driven by expansion into new markets and increased lending activity.
Recent Initiatives: Focusing on digital banking platforms and expanding its lending capabilities.
Summary
Southern California Bancorp is a community bank with a solid foundation in the Southern California market. Its strengths lie in its local market knowledge and relationship-focused approach. However, it faces challenges from larger competitors and the evolving banking landscape and smaller size limits resources. BCAL is growing, but needs to be mindful of rising interest rates and increased competition.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, Market research reports, Industry analysis
Disclaimers:
The analysis is based on available information and is not financial advice. Market conditions and company performance can change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Southern California Bancorp Common Stock
Exchange NASDAQ | Headquaters San Diego, CA, United States | ||
IPO Launch date 2015-12-22 | CEO & Director Mr. Steven E. Shelton | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 290 | |
Full time employees 290 | |||
California BanCorp. operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit. It also provides business loans; lines of credit; construction and land development loans; commercial real estate loans; commercial and industrial loans; small business administration loans; consumer loans; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp. in August 2024. California BanCorp. was founded in 2001 and is headquartered in San Diego, California.
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