BCAL
Southern California Bancorp
BCAL's fundamentals are weak, but it looks cheap: trading at 12x earnings, below its usual 16x. Analysts expect earnings growth.
BCAL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BCAL's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCAL.
BCAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $19.37 | -12% |
| Current | 12x | $22.05 | — |
| Forward | 12x | $22.05 | — |
| Fair | 16x | $29.37 | +33% |
| Expensive | 34x | $61.04 | +177% |
Historical ranges are pointers, not guarantees.
BCAL's PE is in its fair range at 12.3x. If earnings grow as analysts expect, today's price would be 11.9x next year's earnings, in its cheap range.
BCAL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BCAL, with profitability improving.
BCAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.85 | +3.4% |
| Q3 2026 | $1.79 | -9.1% |
| Q2 2026 | $1.84 | +104% |
| Q1 2026 | $1.83 | +281% |
| Q4 2025 | $1.93 | +777% |
| Q3 2025 | $1.97 | +$2.05 |
| Q2 2025 | $0.90 | +4.7% |
| Q1 2025 | $0.48 | -60% |
| Q4 2024 | $0.22 | -84% |
BCAL earned $1.79 per share over the past year, down 9.1% from the year before.
BCAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $46M | +1.9% |
| Q2 2026 | $44.9M | +1.4% |
| Q1 2026 | $44.2M | -1.3% |
| Q4 2025 | $45.9M | +0.8% |
| Q3 2025 | $45.2M | +19% |
| Q2 2025 | $44.3M | +100% |
| Q1 2025 | $44.8M | +105% |
| Q4 2024 | $45.5M | +103% |
BCAL's revenue has held roughly level: $46M last quarter, up 1.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -8.3 points |
| Q2 2026 | 44% | -1.2 points |
| Q1 2026 | 43% | -9.7 points |
| Q4 2025 | 49% | -2.3 points |
| Q3 2025 | 48% | +107 points |
| Q2 2025 | 45% | +44 points |
| Q1 2025 | 53% | +20 points |
| Q4 2024 | 51% | +23 points |
BCAL's operating margin was 40% last quarter, down 8.3 points from the same quarter a year ago.
BCAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -50% |
| Q2 2026 | $14.3M | +6.8% |
| Q1 2026 | $8.3M | +21% |
| Q4 2025 | $20.8M | -11% |
| Q3 2025 | $15.9M | -12% |
| Q2 2025 | $13.4M | +7729% |
| Q1 2025 | $6.9M | -14% |
| Q4 2024 | $23.5M | +$32M |
BCAL's free cash flow was $51M over the past year, down 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BCAL.
BCAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -12K shares |
| 1 year | -1.3% | -428K shares |
| 3 years | +74% | +13.8M shares |
BCAL has 32M diluted shares, down 1.3% from a year ago, with $14M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.6M |
| Q2 2026 | $2M |
| Q1 2026 | $7.4M |
| Q4 2025 | $431,000 |
| Q3 2025 | $1.7M |
| Q2 2025 | $155,000 |
| Q1 2025 | $1.1M |
| Q4 2024 | $998,000 |
BCAL spent $14M buying back its own shares over the past year, about four times what it spent the year before.
BCAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.2x | Net Cash |
| Q2 2026 | -2.6x | Net Cash |
| Q1 2026 | -4.3x | Net Cash |
| Q4 2025 | -3.9x | Net Cash |
| Q3 2025 | -5.6x | Net Cash |
| Q2 2025 | -7.5x | Net Cash |
| Q1 2025 | -12.6x | Net Cash |
| Q4 2024 | -26.8x | Net Cash |
BCAL has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BCAL.
BCAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 61.6 | Neutral |
BCAL's weekly RSI is 63 (neutral) and its Stochastic is 62 (neutral).
BCAL PE vs Financial Services Sector
| Metric | BCAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.4% below |
| PE % | 35 | 63 | 28 pts below |
BCAL is trading at 12x earnings, in line with the Financial Services sector's median of 13x.
BCAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.7 | 1.5% above |
| 20 week MA | $21.5 | 2.6% above |
| 50 week MA | $19.9 | 11% above |
| 100 week MA | $17.9 | 23% above |
| 200 week MA | $16.5 | 34% above |
BCAL is in an uptrend: it's above all five of its weekly moving averages, and 34% above its 200-week average.
BCAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.8 | $12.4 | -2.8% |
| 2021 | $12.4 | $15.0 | +21% |
| 2022 | $15.0 | $16.7 | +12% |
| 2023 | $16.7 | $17.4 | +3.9% |
| 2024 | $17.4 | $16.8 | -3.5% |
| 2025 | $16.8 | $18.9 | +13% |
| 2026 YTD | $18.9 | $22.1 | +17% |
BCAL has finished higher in four of the last six years. It's up 17% so far in 2026.