Skip to main content
    S

    Southern California Bancorp (BCAL)

    Official site

    FINANCIAL SERVICES • BANKS - REGIONAL • NASDAQ

    $21.71
    +0.24 (+1.12%)

    Market Cap: $688.34M

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

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

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.43
    Range$0.41 - $0.44
    4 analysts
    EPS Revisions
    1
    0
    7d
    2
    0
    30d
    EPS Estimate DriftChange to current
    90d ago$0.41+4.6%
    60d ago$0.43+0.6%
    30d ago$0.430.0%
    7d ago$0.430.0%
    Current$0.43
    Revenue Consensus
    $46M
    Range$46M - $47M
    4 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.51
    Range$0.48 - $0.52
    4 analysts
    Revenue Consensus
    $47M
    Range$47M - $48M
    4 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.51---
    Sep 26EST
    		-$0.43---
    Jun 26
    Reported Jul 27
    		$0.44$0.41+7.32%Beat+2.3%
    Mar 26
    Reported Apr 28
    		$0.42$0.41+2.44%Beat-19.2%
    Dec 25
    Reported Jan 28
    		$0.50$0.43+16.28%Beat-5.7%
    Sep 25
    Reported Oct 28
    		$0.48$0.39+23.08%Beat+45.5%
    Jun 25
    Reported Jul 28
    		$0.43$0.41+4.88%Beat+1333.3%
    Mar 25
    Reported Apr 24
    		$0.52$0.40+30.00%Beat+79.3%
    Dec 24
    Reported Jan 29
    		$0.53$0.44+20.45%Beat+120.8%
    Sep 24
    Reported Oct 29
    		$0.33$0.24+37.50%Beat-5.7%
    Jun 24
    Reported Aug 12
    		$0.03N/A-88.89%Miss-91.7%
    Mar 24
    Reported Apr 29
    		$0.29$0.26+11.54%Beat-34.3%
    Dec 23
    Reported Mar 15
    		$0.24$0.31-22.58%Miss-47.8%
    Sep 23
    Reported Oct 26
    		$0.35$0.37-5.41%Miss-7.9%
    Jun 23
    Reported Sep 19
    		$0.36$0.40-10.00%Miss+971.7%
    Mar 23
    Reported Jun 20
    		$0.44$0.46-4.48%Miss+452.1%
    Dec 22
    Reported Dec 31
    		$0.46N/AN/ABeat+130.8%
    Sep 22
    Reported Dec 29
    		$0.38N/AN/ABeat+52.0%
    Jun 22
    Reported Jun 30
    		$-0.04N/AN/ABeat-116.5%
    Mar 22
    Reported Mar 31
    		$0.08N/AN/ABeat-52.9%
    Dec 21
    Reported Mar 31
    		$0.20N/AN/ABeat+99.3%
    Sep 21
    Reported Dec 29
    		$0.25N/AN/ABeat+227.1%
    Jun 21
    Reported Sep 28
    		$0.25$0.00N/ABeat+5.4%
    Mar 21
    Reported Jun 28
    		$0.17N/AN/ABeat-37.8%
    Dec 20
    Reported Mar 30
    		$0.10N/AN/ABeat-50.8%
    Sep 20
    Reported Sep 30
    		$-0.20N/AN/ABeat-205.8%
    Jun 20
    Reported Jun 30
    		$0.24N/AN/ABeat+16.2%
    Mar 20
    Reported Jun 28
    		$0.27$0.00N/ABeat+46.1%
    Dec 19
    Reported Mar 30
    		$0.20$0.00N/ABeat-7.6%
    Sep 19
    Reported Sep 30
    		$0.19$0.00N/ABeat-20.9%
    Jun 19
    Reported Jun 30
    		$0.20$0.00N/ABeat+79.3%
    Mar 19
    Reported Jun 28
    		$0.19$0.00N/ABeat+0.1%
    Dec 18
    Reported Mar 29
    		$0.22$0.00N/ABeat+8.3%
    Sep 18
    Reported Dec 29
    		$0.23N/AN/ABeat+8.1%
    Jun 18
    Reported Sep 28
    		$0.11$0.00N/ABeat-45.4%
    Mar 18
    Reported Jun 28
    		$0.19$0.00N/ABeat-6.3%
    Dec 17
    Reported Mar 29
    		$0.20$0.00N/ABeat+47.0%
    Sep 17
    Reported Dec 29
    		$0.22$0.00N/ABeat-
    Jun 17
    Reported Sep 28
    		$0.21$0.00N/ABeat-
    Mar 17
    Reported Jun 28
    		$0.20$0.00N/ABeat-
    Dec 16
    Reported Mar 29
    		$0.14$0.00N/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.21%
    Forward Annual Dividend$0.48
    Payout Ratio22.43%
    FrequencyQuarterly
    Pay MonthsJan, Apr, Jul, Oct

    Key Metrics

    Valuation
    P/E Ratio11.80EV/EBITDA9.89x
    Price/FCF11.77xFCF Yield8.49%
    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
    Beta0.34Avg Volume229.92K
    52-Week High$22.2952-Week Low$15.64

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$21.54
    SMA 20$21.54
    SMA 50$21.47
    SMA 200$19.56
    EMA 10$21.52
    EMA 20$21.53
    EMA 50$21.35
    EMA 200$19.76

    MACD

    Line: 0.01Signal: 0.02Hist: -0.01

    ADX

    ADX: 11.5+DI: 19.3-DI: 22.5

    Aroon & PSAR

    Aroon Up16.0
    Aroon Down60.0
    PSAR$20.90

    Bollinger Bands

    Upper Band$21.81
    Lower Band$21.26
    %B Position257%(Upper)
    Band Width0.81

    RSI (14-Day)

    Neutral
    54.8

    Momentum Oscillators

    Stoch %K55.0
    Stoch %D50.0
    Williams %R-32.9
    ROC (10d)0.7%
    Momentum0.16
    CCI (20d)79.2
    MFI (14d)53.6

    Volatility Measures

    ATR (14d)$0.43(2.0%)
    StdDev (20d)0.14
    Hist Vol12.6%(Low)

    Volume Flow

    VWAP$21.71
    OBV8.4M
    AD Line-64.1M
    CMF (20d)-0.189

    Volume Metrics

    Avg Vol (20d)229.3K
    Vol Ratio1.2x
    VWMA (20d)$21.55

    Pivot Points

    R3$22.16
    R2$21.86
    R1$21.66
    Pivot Point$21.36
    S1$21.16
    S2$20.86
    S3$20.66

    Advanced Oscillators

    TSI1.20
    Ultimate Osc52.2
    KST1.82

    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

    Related GNG Research

    No research available

    Be the first to write about BCAL

    News

    Form 4 Southern California Bancorp For: 27 September By Investing.com

    This article from Investing.com announces the filing of a Form 4 for Southern California Bancorp (BCAL) for September 27. It includes a brief mention of the stock's performance that day and directs readers to view...

    Investing.com Nigeria•9/27/26•Neutral

    Form 4 Southern California Bancorp For: 27 September By Investing.com

    This article announces the filing of Form 4 for Southern California Bancorp (BCAL) on September 27th. Form 4 is a document filed with the SEC to report changes in beneficial ownership of a company's securities by...

    Investing.com UK•9/27/26•Neutral

    Form 4 Southern California Bancorp For: 27 September By Investing.com

    This article reports on a Form 4 filing for Southern California Bancorp (BCAL) for September 27. It includes a brief mention of the company's stock performance and provides standard market data alongside...

    Investing.com Australia•9/27/26•Neutral

    Form 4 Southern California Bancorp For: 27 September By Investing.com

    This article reports on the filing of Form 4 for Southern California Bancorp on September 27. Form 4 is a document that must be filed with the U.S. Securities and Exchange Commission (SEC) whenever there is a change...

    Investing.com Canada•9/26/26•Neutral

    Zacks Research Downgrades California BanCorp (NASDAQ:BCAL) to Hold

    Zacks Research has downgraded California BanCorp (NASDAQ:BCAL) from a "strong-buy" to a "hold" rating, despite a broader analyst sentiment that remains favorable...

    MarketBeat•8/26/26•Neutral

    BCAL Valuation and Fair Value

    P/E
    11.8x
    EV/EBITDA
    9.9x
    P/FCF
    11.8x
    PEG
    0.0x
    P/B
    1.2x
    See GNG's fair value

    BCAL Profitability: Margins, ROIC and FCF

    Operating margin
    48.4%
    Net margin
    32.7%
    ROIC
    9.7%
    ROE
    10.6%
    FCF margin
    32.9%
    FCF yield
    8.5%

    BCAL Competitors

    CompanyTicker
    MidCap Financial Investment CorporationMFIC
    Bain Capital Specialty Finance IncBCSF
    Carter Bank and TrustCARE
    Grupo Supervielle SASUPV
    Third Coast Bancshares, Inc.TCBX
    Peoples FinPFIS
    Qfin Holdings, Inc.QFIN
    Arrow Financial CorporationAROW

    Sector: Financial Services

    BCAL Analyst Ratings

    Consensus
    Buy
    Analysts
    4
    Strong Buy
    2
    Buy
    2
    Hold
    0
    Sell
    0
    Strong Sell
    0

    BCAL Bull Case vs Bear Case

    Bull case

    • BCAL converts 32.9% of revenue into free cash flow.
    • BCAL has a 32.7% net profit margin.
    • BCAL beat EPS estimates in 100.0% of its last 8 reported quarters.

    Bear case

    • BCAL's quarterly revenue changed -1.6% year over year.

    BCAL Earnings: Beat Rate and Next Report

    Beat rate
    8 of 8 quarters (100.0%)
    Average surprise
    17.7%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.43
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    2 up, 0 down

    BCAL Dividend

    Forward yield
    2.2%
    Payout ratio
    22.4%
    Pay months
    Jan, Apr, Jul, Oct

    Frequently Asked Questions About BCAL

    What is BCAL's current dividend yield?

    Southern California Bancorp (BCAL) has a forward dividend yield of 2.21%.

    Does BCAL pay dividends?

    Yes, Southern California Bancorp pays dividends with a forward dividend yield of 2.21%.

    What is BCAL's P/E ratio?

    Southern California Bancorp has a price-to-earnings (P/E) ratio of 11.80.

    What is BCAL's market cap?

    Southern California Bancorp (BCAL) has a market capitalization of $688.34M with a current stock price of $21.71.

    Related stocks

    Sector: Financial Services

    All stocks starting with B

    Get full access to GNG Research

    Create a free account to access portfolio tracking, advanced tools, and more.

    Create Free AccountLog In