S

    Southern California Bancorp Common Stock (BCAL)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $21.28
    +0.01 (+0.05%)

    Market Cap: $683.84M

    Last updated: Sep 01, 2026 at 10:00 AM ET

    Earnings

    Performance (10Y)

    Beat Rate
    64%(9/14)
    Avg Surprise
    +1.58%
    Streak
    8 Q

    Upcoming Estimates

    Sep 30, 2026
    EPS Consensus$0.43
    Range$0.41 - $0.44
    4 analysts
    EPS Revisions
    1
    0
    7d
    2
    0
    30d
    EPS Estimate Drift
    90d ago$0.41-4.4%
    60d ago$0.41-4.4%
    30d ago$0.41-4.4%
    7d ago$0.43-0.6%
    Current$0.43
    Revenue Consensus
    $46M
    Range$46M - $46M
    4 analysts
    Dec 31, 2026
    EPS Consensus$0.50
    Range$0.47 - $0.51
    4 analysts
    Revenue Consensus
    $47M
    Range$46M - $48M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.50---
    Sep 26EST
    		-$0.43---
    Jun 26
    		$0.44$0.41+7.32%Beat+2.3%
    Mar 26
    		$0.42$0.41+2.44%Beat-19.2%
    Dec 25
    		$0.50$0.43+16.28%Beat-5.7%
    Sep 25
    		$0.48$0.39+23.08%Beat+45.5%
    Jun 25
    		$0.43$0.41+4.88%Beat+1333.3%
    Mar 25
    		$0.52$0.40+30.00%Beat+79.3%
    Dec 24
    		$0.53$0.44+20.45%Beat+120.8%
    Sep 24
    		$0.33$0.24+37.50%Beat-5.7%
    Jun 24
    		$0.03N/A-88.89%Miss-91.7%
    Mar 24
    		$0.29$0.26+11.54%Beat-34.3%
    Dec 23
    		$0.24$0.31-22.58%Miss-47.8%
    Sep 23
    		$0.35$0.37-5.41%Miss-7.9%
    Jun 23
    		$0.36$0.40-10.00%Miss+971.7%
    Mar 23
    		$0.44$0.46-4.48%Miss+452.1%
    Dec 22
    		$0.46N/AN/ABeat+130.8%
    Sep 22
    		$0.38N/AN/ABeat+52.0%
    Jun 22
    		$-0.04N/AN/ABeat-116.5%
    Mar 22
    		$0.08N/AN/ABeat-52.9%
    Dec 21
    		$0.20N/AN/ABeat+99.3%
    Sep 21
    		$0.25N/AN/ABeat+227.1%
    Jun 21
    		$0.25$0.00N/ABeat+5.4%
    Mar 21
    		$0.17N/AN/ABeat-37.8%
    Dec 20
    		$0.10N/AN/ABeat-50.8%
    Sep 20
    		$-0.20N/AN/ABeat-205.8%
    Jun 20
    		$0.24N/AN/ABeat+16.2%
    Mar 20
    		$0.27$0.00N/ABeat+46.1%
    Dec 19
    		$0.20$0.00N/ABeat-7.6%
    Sep 19
    		$0.19$0.00N/ABeat-20.9%
    Jun 19
    		$0.20$0.00N/ABeat+79.3%
    Mar 19
    		$0.19$0.00N/ABeat+0.1%
    Dec 18
    		$0.22$0.00N/ABeat+8.3%
    Sep 18
    		$0.23N/AN/ABeat+8.1%
    Jun 18
    		$0.11$0.00N/ABeat-45.4%
    Mar 18
    		$0.19$0.00N/ABeat-6.3%
    Dec 17
    		$0.20$0.00N/ABeat+47.0%
    Sep 17
    		$0.22$0.00N/ABeat+8.5%
    Jun 17
    		$0.21$0.00N/ABeat-
    Mar 17
    		$0.20$0.00N/ABeat-
    Dec 16
    		$0.14$0.00N/ABeat-
    Sep 16
    		$0.20$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Yield1.88%
    Annual/Share$0.40
    Payout Ratio16.02%
    Frequency4
    Pay MonthsJan, Apr, Jul, Oct

    Key Metrics

    Valuation
    P/E Ratio11.57EV/EBITDAN/A
    Price/FCF11.54xFCF Yield8.66%
    Profitability
    Profit Margin32.70%Operating Margin48.40%
    ROE10.60%ROIC9.69%
    Financial Health
    Debt/Equity0.06xInterest Coverage1.62x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.29Avg Volume150.57K
    52-Week High$22.0052-Week Low$15.60

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$21.34
    SMA 20$21.42
    SMA 50$21.12
    SMA 200$19.19
    EMA 10$21.35
    EMA 20$21.34
    EMA 50$20.94
    EMA 200$19.24

    MACD

    Line: 0.07Signal: 0.12Hist: -0.06

    ADX

    ADX: 10.9+DI: 20.4-DI: 18.5

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down20.0
    PSAR$21.06

    Bollinger Bands

    Upper Band$21.80
    Lower Band$21.05
    %B Position348%(Upper)
    Band Width0.31

    RSI (14-Day)

    Neutral
    50.1

    Momentum Oscillators

    Stoch %K42.1
    Stoch %D44.5
    Williams %R-59.3
    ROC (10d)-0.6%
    Momentum-0.13
    CCI (20d)-85.9
    MFI (14d)42.4

    Volatility Measures

    ATR (14d)$0.43(2.0%)
    StdDev (20d)0.19
    Hist Vol14.4%(Low)

    Volume Flow

    VWAP$21.25
    OBV7.0M
    AD Line-58.1M
    CMF (20d)-0.007

    Volume Metrics

    Avg Vol (20d)144.8K
    Vol Ratio1.1x
    VWMA (20d)$21.40

    Pivot Points

    R3$21.78
    R2$21.66
    R1$21.46
    Pivot Point$21.34
    S1$21.14
    S2$21.02
    S3$20.82

    Advanced Oscillators

    TSI5.50
    Ultimate Osc47.3
    KST10.81

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$44.91M$44.22M$45.90M$45.18M$44.27M$44.82M$45.55M$38.12M$22.18M$21.91M$22.46M$24.08M
    Cost of RevenueN/A$11.32M$8.88M$14.66M$13.73M$10.79MN/A$40.15M$13.73M$10.44M$10.83M$8.13M
    Gross ProfitN/A$44.60M$50.30M$45.20M$44.91M$48.60MN/A$15.15M$19.30M$22.24M$21.63M$24.17M
    Operating Expenses$24.35M$25.51M$27.91M$23.38M$24.83M$24.92M$26.13M$37.68M$19.00M$14.98M$15.34M$14.78M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$19.09M$22.39M$21.82M$20.07M$23.68MN/A$-22,527,000$278,000$7.26M$6.29M$9.39M
    Interest Income$54.93M$53.78M$56.18M$57.19M$55.79M$56.83M$62.56M$54.13M$31.85M$31.26M$32.57M$31.48M
    Interest Expense$11.58M$11.70M$13.28M$14.67M$14.37M$14.57M$18.02M$17.18M$10.84M$10.77M$10.01M$8.22M
    Income Before Tax$19.84M$19.09M$22.39M$21.82M$20.07M$23.68M$23.25M$-22,527,000$278,000$7.26M$6.29M$9.39M
    Income Tax Expense$5.54M$5.30M$5.97M$6.13M$5.97M$6.82M$6.48M$-6,063,000$88,000$2.32M$1.88M$2.83M
    Net Income$14.30M$13.79M$16.42M$15.68M$14.10M$16.85M$16.77M$-16,464,000$190,000$4.93M$4.41M$6.56M
    EBITDA$16.32M$15.76M$18.85M$17.57M$15.59M$18.83M$17.86M$-26,350,000$177,000$6.96M$6.23M$9.36M
    EBIT$19.84M$19.09M$22.39M$21.82M$20.07M$23.68M$23.25M$-22,527,000$278,000$7.26M$6.29M$9.39M
    * Some calculated fields are derived from available data when not provided by source

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    News

    Keefe Bruyette raises Southern California Bancorp price target on earnings

    Keefe, Bruyette & Woods has increased its price target for Southern California Bancorp (NASDAQ: BCAL) shares to $24 from $23, maintaining an Outperform rating. This adjustment follows the bank's strong second-quarter 2026 results, which surpassed expectations due to better expenses and net interest income, alongside a 55% reduction in nonperforming assets. The company has also shown robust performance with 16% annualized loan growth, continued share buybacks, and a 20% dividend increase.

    Investing.com•8/5/26•
    Bullish

    Keefe Bruyette raises Southern California Bancorp price target on earnings By Investing.com

    Keefe, Bruyette & Woods has raised its price target for Southern California Bancorp (NASDAQ: BCAL) to $24 from $23, maintaining an Outperform rating. This adjustment follows the bank's strong second-quarter 2026 results, which surpassed expectations due to better expenses and net interest income, and a significant 55% decline in nonperforming assets. The company also demonstrated robust loan growth, continued share buybacks, and increased its dividend.

    Investing.com Nigeria•8/4/26•
    Bullish

    Keefe Bruyette raises Southern California Bancorp price target on earnings

    Keefe, Bruyette & Woods has increased its price target for Southern California Bancorp (NASDAQ:BCAL) to $24 from $23, maintaining an Outperform rating after the company's Q2 2026 results exceeded expectations due to better expenses and net interest income. The bank saw a 55% decline in nonperforming assets, 16% loan growth, and increased its dividend by 20%, alongside active share buybacks. Despite a "GREAT" financial health rating by InvestingPro, the shares appear slightly overvalued relative to their Fair Value.

    Investing.com•8/4/26•
    Bullish

    Form 4 Southern California Bancorp For: 3 August By Investing.com

    This article from Investing.com announces a Form 4 filing for Southern California Bancorp (BCAL) for August 3. It includes the company's stock symbol and current price performance, noting a 0.70% increase. The piece is primarily a brief financial news alert.

    Investing.com Canada•8/4/26•
    Neutral

    BCAL|California Bancorp|Price:21.460|Chg%:+0.160

    California Bancorp (BCAL) is currently trading at $21.40, down 0.79% on the day. The company has strong fundamentals and high growth potential, with its revenue averaging 83.95% year-on-year growth over the past three years. Analysts have a "Buy" rating on the stock with a target price of $24.00, suggesting a 12.68% upside.

    TradingKey•7/31/26•
    Somewhat-Bullish

    Frequently Asked Questions About BCAL

    What is BCAL's current dividend yield?
    Southern California Bancorp Common Stock (BCAL) has a current dividend yield of 1.88%.
    Does BCAL pay dividends?
    Yes, Southern California Bancorp Common Stock pays dividends with a current yield of 1.88%.
    What is BCAL's P/E ratio?
    Southern California Bancorp Common Stock has a price-to-earnings (P/E) ratio of 11.57.
    What is BCAL's market cap?
    Southern California Bancorp Common Stock (BCAL) has a market capitalization of $683.84M with a current stock price of $21.28.

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