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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
08/28/2025: 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 $18.67
1 Year Target Price $18.67
| 1 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.36% | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 545.97M USD | Price to earnings Ratio 18.66 | 1Y Target Price 18.67 |
Price to earnings Ratio 18.66 | 1Y Target Price 18.67 | ||
Volume (30-day avg) 3 | Beta 0.55 | 52 Weeks Range 11.87 - 18.49 | Updated Date 08/29/2025 |
52 Weeks Range 11.87 - 18.49 | Updated Date 08/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.9 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 19.83% | Operating Margin (TTM) 48.73% |
Management Effectiveness
Return on Assets (TTM) 1% | Return on Equity (TTM) 7.44% |
Valuation
Trailing PE 18.66 | Forward PE - | Enterprise Value 185431424 | Price to Sales(TTM) 3.46 |
Enterprise Value 185431424 | Price to Sales(TTM) 3.46 | ||
Enterprise Value to Revenue 3.56 | Enterprise Value to EBITDA - | Shares Outstanding 32517600 | Shares Floating 17685019 |
Shares Outstanding 32517600 | Shares Floating 17685019 | ||
Percent Insiders 23.7 | Percent Institutions 64.77 |
Upturn AI SWOT
Southern California Bancorp Common Stock
Company Overview
History and Background
Southern California Bancorp (SOCAL) was formed in 2020 as a holding company for Bank of Southern California. Bank of Southern California was originally founded in 2001. The company focuses on providing banking services to small and medium-sized businesses in Southern California.
Core Business Areas
- Commercial Banking: Provides a range of lending and deposit products to small and medium-sized businesses, including commercial real estate loans, SBA loans, and working capital lines of credit.
- Retail Banking: Offers deposit accounts, personal loans, and other retail banking services to individuals.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure includes various departments such as lending, operations, and finance.
Top Products and Market Share
Key Offerings
- Commercial Real Estate Loans: Loans secured by commercial properties. SOCAL has a significant portfolio of these loans. Market share is difficult to pinpoint exactly but SOCAL competes with other regional banks and credit unions. Competitors include banks like Pacific Premier Bancorp (PPBI) and Citizens Business Bank (CZNB).
- SBA Loans: Small Business Administration (SBA) guaranteed loans. These loans are attractive to small businesses due to their favorable terms. Competitors include similar regional banks as above, plus national SBA lenders.
- Deposit Accounts: A variety of deposit accounts including checking, savings, and money market accounts. These are essential for funding the bank's operations. Competitors are other local and national banks and credit unions.
Market Dynamics
Industry Overview
The banking industry in Southern California is competitive, with a mix of large national banks, regional banks, and community banks. The industry is influenced by economic conditions, interest rates, and regulatory changes.
Positioning
Southern California Bancorp positions itself as a relationship-focused bank serving the needs of small and medium-sized businesses. Its competitive advantage lies in its local knowledge, personalized service, and quick decision-making.
Total Addressable Market (TAM)
The TAM for banking services in Southern California is estimated to be in the billions of dollars, encompassing all banking needs of individuals and businesses. SOCAL is positioned to capture a portion of this market through its focus on small and medium-sized businesses.
Upturn SWOT Analysis
Strengths
- Strong local presence in Southern California
- Focus on small and medium-sized businesses
- Experienced management team
- Relationship-based banking approach
Weaknesses
- Smaller size compared to larger national banks
- Geographic concentration in Southern California
- Dependence on the local economy
- Limited product diversification
Opportunities
- Expansion into new markets within Southern California
- Increased demand for SBA loans
- Technological advancements in banking
- Growing small business sector
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn in Southern California
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- Pacific Premier Bancorp (PPBI)
- Citizens Business Bank (CZNB)
- Opus Bank (OPUS.PK)
Competitive Landscape
SOCAL is smaller than its main competitors. It aims to compete through customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been tied to expansion of loan portfolio and deposit base in Southern California.
Future Projections: Future growth will depend on SOCAL's ability to continue growing its loan portfolio and deposit base, as well as managing interest rate risk and credit risk.
Recent Initiatives: Recent initiatives likely include strategies to grow loan portfolio, attract new depositors and manage operating expenses.
Summary
Southern California Bancorp is a smaller regional bank focusing on small businesses in Southern California. Their strengths lie in local expertise and customer service. They face competition from larger banks and economic risks in their geographic area. Growing the loan portfolio is essential. They have not done a lot of acquisitions and also do not have any dividend payment.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and subject to change. Consult with a financial professional 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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