BCAL
Southern California Bancorp Common Stock
NASDAQ: BCAL · FINANCIAL SERVICES · BANKS - REGIONAL
$19.25
-0.21% today
Updated 2026-06-05
Market cap
$611.13M
P/E ratio
10.38
P/S ratio
3.30x
EPS (TTM)
$1.83
Dividend yield
1.07%
52W range
$14 – $20
Volume
0.2M
WallStSmart proprietary scores
54
out of 100
Grade: C
Hold
Investment rating
4.7
Growth
C6.3
Quality
B7.5
Profitability
B+6.7
Valuation
B6/9
Piotroski F-Score
Moderate
0.0
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →202 stocks currently score above 75
Price targets
Analyst target
$21.67
+12.57%
12-Month target
$17.35
-9.87%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy2 Buy0 Hold0 Sell0 Strong Sell
Price chart
Stock snapshot
Strengths
+ Profit margin 32.40% — above average
+ Free cash flow $8.30M — positive
+ Debt/equity 0.09x — low leverage
Risks
- Altman Z 0.01 — distress zone
- Revenue declining -8.20% QoQ
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $98.02M | $126.90M | $184.58M | $237.07M | $185.00M |
| Net income | $16.11M | $25.91M | $5.43M | $63.06M | $13.79M |
| EPS | — | — | — | — | $1.83 |
| Free cash flow | $12.27M | $32.80M | $49.74M | $56.94M | $8.30M |
| Profit margin | 16.44% | 20.42% | 2.94% | 26.60% | 32.40% |
Peer comparison
Smart narrative
Southern California Bancorp Common Stock trades at $19.25. representing a P/E of 10.38x trailing earnings. Our Smart Value Score of 54/100 indicates the stock is fair. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of 0.01, it sits in the distress. TTM revenue stands at $185.00M. with profit margins at 32.40%.
Frequently asked questions
What is Southern California Bancorp Common Stock's stock price?
Southern California Bancorp Common Stock (BCAL) trades at $19.25, on a P/E of 10.4x and a P/S of 3.3x. Those multiples show what the market is paying for each dollar of earnings and sales, which is the real starting point for judging whether the price is reasonable.
Is Southern California Bancorp Common Stock overvalued?
Southern California Bancorp Common Stock carries a Smart Value Score of 54/100 (Grade C), which we rate Hold. That score blends growth, quality, and valuation into one read.
What is the price target of Southern California Bancorp Common Stock (BCAL)?
The 12-month analyst consensus target is $21.67, about 12.6% above the current $19.25. A consensus target is the average of Wall Street's 12-month forecasts, so it works as a sentiment gauge rather than a guarantee, and it resets with every earnings cycle.
What is the future stock price of BCAL by 2030?
Our research-backed model puts the 2030 base case at $36.81, built from revenue projections, a growth-adjusted P/S multiple, net debt, and share dilution. It is a scenario rather than a prediction, and the bull and bear cases around it matter more than the single number when you are sizing a position.
What is Southern California Bancorp Common Stock's revenue?
Southern California Bancorp Common Stock's trailing twelve-month revenue is $185.00M. Revenue scale anchors the valuation multiples and shows whether growth is reaching the top line, so it is best read alongside margin and growth trends to see if that revenue is getting more profitable over time.
Altman Z-Score?
Southern California Bancorp Common Stock's Altman Z-Score is 0.01, which places it in the distress. The Altman Z-Score gauges bankruptcy risk from profitability, leverage, and asset efficiency, and a higher reading points to lower financial distress risk.
Company info
SectorFINANCIAL SERVICES
IndustryBANKS - REGIONAL
CountryUSA
ExchangeNASDAQ
CurrencyUSD
Quick metrics
P/S ratio3.30x
ROE10.38%
Beta0.31
50D MA$18.54
200D MA$18.20
Shares out0.03B
Float0.02B
Short ratio—
Avg volume0.2M
Performance
1 week+0.00%
1 month+3.55%
3 months+10.43%
YTD+3.16%
1 year—
3 years—
5 years—