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Upturn AI SWOT - About
BCAL 
Southern California Bancorp Common Stock (BCAL)
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Upturn Advisory Summary
06/16/2025: 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.
Analysis of Past Performance
Type Stock | Historic Profit -6.36% | Avg. Invested days 37 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/16/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 467.07M USD | Price to earnings Ratio 30.89 | 1Y Target Price 17.67 |
Price to earnings Ratio 30.89 | 1Y Target Price 17.67 | ||
Volume (30-day avg) 86550 | Beta 0.51 | 52 Weeks Range 11.87 - 18.49 | Updated Date 06/18/2025 |
52 Weeks Range 11.87 - 18.49 | Updated Date 06/18/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.46 |
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 30.89 | Forward PE - | Enterprise Value 108796832 | Price to Sales(TTM) 3.54 |
Enterprise Value 108796832 | Price to Sales(TTM) 3.54 | ||
Enterprise Value to Revenue 3.64 | Enterprise Value to EBITDA - | Shares Outstanding 32412900 | Shares Floating 17333142 |
Shares Outstanding 32412900 | Shares Floating 17333142 | ||
Percent Insiders 24.31 | Percent Institutions 64.2 |
Analyst Ratings
Rating 4 | Target Price 17.67 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Southern California Bancorp Common Stock
Company Overview
History and Background
Southern California Bancorp, the holding company for Bank of Southern California, N.A., was founded in 2001. It has grown organically and through acquisitions, focusing on serving the Southern California market.
Core Business Areas
- Commercial Banking: Provides a range of commercial banking products and services to small and medium-sized businesses, including commercial loans, deposit accounts, and treasury management services.
- Retail Banking: Offers personal banking services such as checking and savings accounts, personal loans, and mortgage loans.
- Real Estate Lending: Provides commercial real estate financing solutions
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a community bank holding company, with a board of directors overseeing management.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a core offering, targeting small to medium-sized businesses. Market share data specific to Southern California Bancorp's commercial loan market is difficult to ascertain precisely. Competitors include larger regional and national banks, as well as other community banks.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share data is fragmented and varies by region. Competitors include Bank of America (BAC), Wells Fargo (WFC), and Chase (JPM).
- Real Estate Loans: Loans for construction, land development, and commercial real estate properties. Competitors include private equity firms, regional banks and specialty real estate lenders.
Market Dynamics
Industry Overview
The banking industry is highly competitive, with increasing regulatory scrutiny and technological disruption. Community banks face challenges from larger institutions and fintech companies.
Positioning
Southern California Bancorp focuses on relationship banking and local market expertise. Its competitive advantages include personalized service and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is significant. Southern California Bancorp is positioned to capture a share of this market through its community-focused strategy.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Relationship-focused banking
- Quick decision-making
- Experienced management team
Weaknesses
- Limited geographic footprint
- Lower brand recognition compared to larger banks
- Reliance on organic growth and targeted acquisitions
Opportunities
- Expansion within Southern California
- Increased demand for personalized banking services
- Technological innovation to improve efficiency
- Growth in the small to medium sized business banking market
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes
- Economic downturns
- Rising interest rates
Competitors and Market Share
Key Competitors
- BAC
- WFC
- JPM
- CMA
Competitive Landscape
Southern California Bancorpu2019s advantage lies in its localized focus and relationship-based approach, providing a more personalized service compared to larger national banks. However, it faces challenges in terms of scale, brand recognition, and technological capabilities.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Data on Southern California Bancorp's financials is not publicly available in a readily parsable format without access to specific financial databases or SEC filings. As such, these sections cannot be accurately completed without live data access.
Future Projections: Data on Southern California Bancorp's financials is not publicly available in a readily parsable format without access to specific financial databases or SEC filings. As such, these sections cannot be accurately completed without live data access.
Recent Initiatives: Recent initiatives include expanding their lending portfolio and improving customer service through digital channels.
Summary
Southern California Bancorp is a smaller community bank focused on relationship banking in the Southern California region. Its strengths include local market knowledge and personalized service. Challenges include competition from larger banks and the need to invest in technology. Growth opportunities lie in expanding within Southern California and capitalizing on the demand for personalized banking.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- SEC Filings (if available)
- Market Research
Disclaimers:
This analysis is based on publicly available information and general market knowledge. Financial data may be limited or outdated. This is not financial advice. Consult with a qualified financial advisor before making investment decisions.
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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