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BCAL logo BCAL
Upturn stock ratingUpturn stock rating
BCAL logo

Southern California Bancorp Common Stock (BCAL)

Upturn stock ratingUpturn stock rating
$15.62
Last Close (24-hour delay)
Profit since last BUY1.83%
upturn advisory
Consider higher Upturn Star rating
BUY since 33 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
  • Loss
  • Pass (Skip investing)
Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
(see disclosures)
Time period over
  • ALL
  • YEAR
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Upturn Advisory Summary

06/27/2025: BCAL (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

3 Analysts rated it

Limited analyst coverage, niche firm, research info may be scarce.

1 Year Target Price $17.67

1 Year Target Price $17.67

Analysts Price Target For last 52 week
$17.67Target price
Low$11.87
Current$15.62
high$18.49

Analysis of Past Performance

Type Stock
Historic Profit 1.5%
Avg. Invested days 39
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 4.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/27/2025

Key Highlights

Company Size Small-Cap Stock
Market Capitalization 506.13M USD
Price to earnings Ratio 33.22
1Y Target Price 17.67
Price to earnings Ratio 33.22
1Y Target Price 17.67
Volume (30-day avg) 3
Beta 0.51
52 Weeks Range 11.87 - 18.49
Updated Date 06/30/2025
52 Weeks Range 11.87 - 18.49
Updated Date 06/30/2025
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 33.22
Forward PE -
Enterprise Value 154337008
Price to Sales(TTM) 3.83
Enterprise Value 154337008
Price to Sales(TTM) 3.83
Enterprise Value to Revenue 3.93
Enterprise Value to EBITDA -
Shares Outstanding 32412900
Shares Floating 17341894
Shares Outstanding 32412900
Shares Floating 17341894
Percent Insiders 24.31
Percent Institutions 64.2

Analyst Ratings

Rating 2
Target Price 17.67
Buy 1
Strong Buy 1
Buy 1
Strong Buy 1
Hold 1
Sell -
Strong Sell -
Strong Sell -

ai summary icon Upturn AI SWOT

Southern California Bancorp Common Stock

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.