Zacks Investment Research·Jun 25, 2026
Is California BanCorp (BCAL) Stock Outpacing Its Finance Peers This Year?Here is how California BanCorp (BCAL) and First BanCorp (FBP) have performed compared to their sector so far this year.
Southern California Bancorp(BCAL)Earnings, Financials & Key Ratios
BCAL•NASDAQ•Banking & Credit
$21.17
11.0× P/E·Price updated Jul 2, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutSouthern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.Show more
- Net Interest Income$169M+37.5%
- Total Revenue$237M+28.4%
- Net Income$63M+1060.6%
- Return on Equity11.59%+753.1%
- Net Interest Margin4.19%+37.4%
- Efficiency Ratio42.62%-19.6%
- ROA1.56%+819.8%
- Equity / Assets14.3%+12.6%
- Book Value per Share17.61-15.3%
BCAL Price & Volume
Southern California Bancorp (BCAL) stock price & volume — 10-year historical chart
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Margin Compression Challenges Southern California Bancorp Growth
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Adequate
Cash Flow:Mixed
Primary Risk:California CRE concentration risk
Key Thesis Takeaways
- Southern California Bancorp is currently navigating a period of stabilization following significant merger-driven expansion, with total assets plateauing at $4.0 billion.
- While the bank maintains a solid equity-to-assets ratio of 0.14, profitability remains constrained by a compressed net interest margin of 1.0% and ongoing volatility in loan loss provisioning.
- Investors should monitor the bank's exposure to the California commercial real estate market, as the $23 million provision charge in 2024Q3 highlights potential credit risks that could impact future earnings stability.
Verdict Logic
while the bank trades at a 1.18 P/B ratio, the combination of a 1.0% net interest margin and historical provision volatility suggests limited near-term upside until earnings consistency improves.
BCAL Growth Metrics
Southern California Bancorp (BCAL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years31.5%
5 Years34.33%
3 Years34.23%
TTM-
Profit CAGR
10 Years41.85%
5 Years67.93%
3 Years57.59%
TTM245.78%
EPS CAGR
10 Years15.67%
5 Years31.54%
3 Years29.92%
TTM306.67%
Return on Capital
10 Years4.2%
5 Years5.44%
3 Years5.4%
Last Year5.04%
BCAL Recent Earnings
Southern California Bancorp (BCAL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 6/12 qtrs (55%)●Beat Revenue 6/12 qtrs (55%)
Q2 2026Latest
Apr 28, 2026Metric
Actual
Est
EPS
$0.42+2.4%
$0.41
Rev
$44M+0.2%
$44M
Q2 2026
Mar 13, 2026Metric
Actual
Est
EPS
$0.50
—
Rev
$55M
—
Q1 2026
Jan 28, 2026Metric
Actual
Est
EPS
$0.50+13.6%
$0.44
Rev
$46M+1.9%
$45M
Q4 2025
Oct 28, 2025Metric
Actual
Est
EPS
$0.48+23.1%
$0.39
Rev
$60M+31.8%
$45M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 28, 2026 | $0.42vs $0.41+2.4% | $44Mvs $44M+0.2% |
| Q2 2026 | Mar 13, 2026 | $0.50 | $55M |
| Q1 2026 | Jan 28, 2026 | $0.50vs $0.44+13.6% | $46Mvs $45M+1.9% |
| Q4 2025 | Oct 28, 2025 | $0.48vs $0.39+23.1% | $60Mvs $45M+31.8% |
Based on last 12 quarters of dataView full earnings history →
Latest BCAL News
Recent stock market news and headlines for Southern California Bancorp (BCAL)
Peers Comparison
Key metrics vs top competitors for Southern California Bancorp (BCAL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $21.17 | $680.93M | 10.97 | 28.44% | 26.6% | 11.59% | 0.47% | |
| $23.11 | $3.14B | 15.20 | -2.33% | 32.4% | 9.16% | — | |
| $20.56 | $3.17B | 17.42 | -3.31% | 13.63% | 7.07% | — | |
| $33.18 | $987.65M | 13.22 | 3.55% | 18.42% | 10.31% | — | |
| $77.78 | $856.8M | 15.02 | 11.72% | 21.42% | 12% | — | |
| $36.15 | $588.81M | 10.63 | 25.32% | 18.45% | 13.94% | — |
Compare BCAL vs Peers
Southern California Bancorp (BCAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BCAL SEC Filings & Documents
Southern California Bancorp (BCAL) SEC filings — annual & quarterly reports (10-K, 10-Q)
8-K Announcements
6Material company update
May 28, 2026·SEC
Material company update
May 5, 2026·SEC
Material company update
Apr 28, 2026·SEC
10-K Annual Reports
210-Q Quarterly Reports
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BCAL Frequently Asked Questions
Southern California Bancorp (BCAL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is Southern California Bancorp growing?
Southern California Bancorp (BCAL) grew revenue by 28.4% over the past year. This is strong growth.
Is BCAL profitable?
Yes, Southern California Bancorp (BCAL) is profitable, generating $60.0M in net income for fiscal year 2025 (26.6% net margin).
Dividend & Returns
Does BCAL pay dividends?
Yes, Southern California Bancorp (BCAL) pays a dividend with a yield of 0.47%. This makes it attractive for income-focused investors.
What is BCAL's return on equity?
Southern California Bancorp (BCAL) has a return on equity (ROE) of 11.6%. This is reasonable for most industries.
Industry Metrics
What is Southern California Bancorp's net interest margin?
Southern California Bancorp (BCAL) has a net interest margin (NIM) of 4.2%. This indicates healthy earnings from lending activities.
What is Southern California Bancorp's efficiency ratio?
Southern California Bancorp (BCAL) has an efficiency ratio of 42.6%. This is excellent, indicating strong cost control.