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Upturn AI SWOT - About
BCAL 
Southern California Bancorp Common Stock (BCAL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/31/2025: 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 $20.33
1 Year Target Price $20.33
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -3.85% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 599.87M USD | Price to earnings Ratio 8.52 | 1Y Target Price 20.33 |
Price to earnings Ratio 8.52 | 1Y Target Price 20.33 | ||
Volume (30-day avg) 3 | Beta 0.56 | 52 Weeks Range 11.87 - 18.93 | Updated Date 11/1/2025 |
52 Weeks Range 11.87 - 18.93 | Updated Date 11/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 2.17 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-28 | When Before Market | Estimate 0.39 | Actual 0.48 |
Profitability
Profit Margin 33.78% | Operating Margin (TTM) 50.34% |
Management Effectiveness
Return on Assets (TTM) 1.5% | Return on Equity (TTM) 11.93% |
Valuation
Trailing PE 8.52 | Forward PE - | Enterprise Value 93253104 | Price to Sales(TTM) 3.2 |
Enterprise Value 93253104 | Price to Sales(TTM) 3.2 | ||
Enterprise Value to Revenue 3.51 | Enterprise Value to EBITDA - | Shares Outstanding 32443056 | Shares Floating 17650969 |
Shares Outstanding 32443056 | Shares Floating 17650969 | ||
Percent Insiders 23.75 | Percent Institutions 65.14 |
Upturn AI SWOT
Southern California Bancorp Common Stock
Company Overview
History and Background
Southern California Bancorp (SCAL) is a bank holding company established to provide community banking services in Southern California. Founded to address the financial needs of local businesses and residents.
Core Business Areas
- Commercial Banking: Provides commercial loans, deposit accounts, and other financial services to small and medium-sized businesses.
- Retail Banking: Offers personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers wealth management and financial advisory services to individuals and families.
Leadership and Structure
CEO: John R. Ginetti. The structure involves a board of directors overseeing executive management and various departments such as lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans tailored to businesses for expansion, working capital, and real estate. Competitors: Bank of America, Wells Fargo, regional banks.
- Real Estate Loans: Mortgages and other real estate financing solutions for individuals and businesses. Competitors: Chase, US Bank, mortgage lenders.
- Small Business Administration (SBA) Loans: Government-backed loans for small businesses. Competitors: Live Oak Bank, Celtic Bank.
Market Dynamics
Industry Overview
The banking industry in Southern California is competitive, with a mix of national, regional, and community banks vying for market share. Factors influencing the industry include interest rates, economic growth, and regulatory changes.
Positioning
Southern California Bancorp positions itself as a community-focused bank, emphasizing personalized service and local expertise. Its competitive advantage lies in its deep understanding of the Southern California market and its ability to build strong relationships with local businesses.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is estimated to be in the hundreds of billions of dollars. Southern California Bancorp is positioned to capture a portion of this TAM by focusing on specific niches and customer segments.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Personalized customer service
- Experienced management team
- Healthy loan portfolio
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher cost structure
Opportunities
- Expansion into new markets
- Strategic acquisitions
- Increased demand for SBA loans
- Growing population in Southern California
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- BofA
- WFC
- USB
Competitive Landscape
Southern California Bancorp faces intense competition from larger national banks with greater resources. However, it differentiates itself through localized customer service and community focus.
Growth Trajectory and Initiatives
Historical Growth: Placeholder for Historical Growth
Future Projections: Placeholder for Future Projections
Recent Initiatives: Placeholder for Recent Initiatives
Summary
Southern California Bancorp is a community bank focused on providing personalized service. While it benefits from local market knowledge, its smaller size makes it vulnerable to competition from larger banks and economic fluctuations. Strategic initiatives and acquisitions could help it expand its reach and increase its competitiveness. However, it should closely monitor the financial health of its clients and the strength of the local economy to maintain its success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company website
- SEC filings
- Industry reports
- Analyst estimates
Disclaimers:
This analysis is for informational purposes only and does not constitute financial advice. Market conditions and company performance are subject to 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 289 | |
Full time employees 289 | |||
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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