Southern California Bancorp (BCAL) is a Financials stock trading at $21.18 (as of 2026-08-20), with a market capitalization of $680.95M and a trailing P/E of 11.3. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.
Southern California Bancorp is a bank holding company for Bank of Southern California, N.A., which offers deposit products such as checking, savings, money market accounts, and certificates of deposit, along with lending products including home equity lines of credit and business and real estate loans. The bank also provides services such as online and mobile banking, remote deposit capture, lockbox/courier services, merchant services, and letters of credit, serving individuals, professionals, and small-to medium-sized businesses.
Southern California Bancorp is the holding company for Bank of Southern California, N.A., providing deposit accounts, loans, and related services to individuals, professionals, and small-to medium-sized businesses, and it makes money through the banking activities tied to those deposits and lending products.
The companys profit model is driven by its mix of Demand Deposits and its pace of Loan Originations, with Brokered Deposits serving as an additional funding source.
Business quality (Solid): Strongly operating-focused with an operating margin reported for the latest period, but investors should watch how Demand Deposits and Loan Originations change, since the company tracks both as key operating measures.
Valuation: At 11× earnings, BCAL trades 15% below the Banking average (13×). Note: one-time items can distort reported P/E.
| Price | $21.18 |
| Market Cap | $680.95M |
| P/E Ratio | 11.3 |
| EV / EBITDA | 5.3 |
| Price / Book | 1.16 |
| Price / Sales | 3.07 |
| FCF Yield | 8.7% |
| DCF Value (model) | $38.26 |
| DCF Upside vs Price | 80.6% |
| Revenue (TTM) | $225.98M |
| Net Margin | 27.9% |
| Revenue Growth (YoY) | -1.5% |
| EPS Growth (YoY) | 2.3% |
| FCF Growth (YoY) | 6.8% |
| Stock P/E | 11.3 |
| Sector P/E (Financials) | 15.1 |
| Industry P/E (Banking) | 12.9 |
| vs Sector | -25.3% |
| vs Industry | -12.4% |
| Top Institutional Holder | WELLINGTON MANAGEMENT GROUP LLP ($47.62M) |
| Institutional Holders Tracked | 10 |
| Sector | Financials |
| Industry | Banking |
| CEO | David I. Rainer |
| Employees | 290 |
| Country | US |
| IPO Date | 2005-11-10 |
Data as of 2026-08-20.
Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.