Latest Ratios: P/E Ratio 10.8x · EV/EBITDA 7.4x · ROE 11.6%. (2005–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $673M | $611M | $407M | $324M | $307M | $224M | $124M | $110M | $97M | $79M | $50M |
| Enterprise Value | $692M | $631M | $435M | $406M | $325M | $231M | $151M | $135M | $146M | $106M | $56M |
| P/E Ratio → | 10.83 | 9.67 | 75.18 | 12.48 | 19.12 | 20.82 | 26.02 | 16.35 | 18.59 | 19.93 | 16.67 |
| P/S Ratio | 2.84 | 2.58 | 2.21 | 2.55 | 3.13 | 3.12 | 2.28 | 2.78 | 3.10 | 3.68 | 2.75 |
| P/B Ratio | 1.19 | 1.06 | 0.80 | 1.12 | 1.18 | 0.91 | 0.73 | 0.91 | 0.96 | 1.59 | 1.12 |
| P/FCF | 11.81 | 10.74 | 8.19 | 9.87 | 25.00 | 12.49 | 11.68 | 15.36 | 14.34 | 26.08 | — |
| P/OCF | 11.74 | 10.67 | 8.10 | 9.78 | 22.98 | 11.38 | 10.01 | 13.14 | 13.08 | 21.22 | 12.67 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.66 | 2.36 | 3.20 | 3.32 | 3.22 | 2.79 | 3.41 | 4.65 | 4.95 | 3.09 |
| EV / EBITDA | 7.40 | 6.74 | 36.54 | 10.46 | 13.56 | 14.49 | 18.42 | 12.33 | 102.21 | 5.80 | 9.96 |
| EV / EBIT | 7.87 | 7.17 | 52.62 | 11.01 | 14.80 | 16.25 | 22.37 | 13.96 | 19.35 | 15.28 | 11.09 |
| EV / FCF | — | 11.08 | 8.74 | 12.37 | 26.51 | 12.88 | 14.29 | 18.86 | 21.51 | 35.11 | — |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.7% | 79.7% | 57.5% | 76.1% | 88.0% | 93.6% | 80.8% | 80.2% | 100.0% | 100.0% | 100.0% |
| Operating Margin | 37.1% | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | 12.5% | 24.4% | 2.0% | 83.3% | 28.4% |
| Net Profit Margin | 26.6% | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | 8.7% | 17.1% | 16.8% | 18.4% | 16.5% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.6% | 11.6% | 1.4% | 9.4% | 6.4% | 5.2% | 3.3% | 6.1% | 7.0% | 8.4% | 7.3% |
| ROA | 1.6% | 1.6% | 0.2% | 1.1% | 0.7% | 0.6% | 0.4% | 0.8% | 0.8% | 0.9% | 0.8% |
| ROIC | 10.6% | 10.6% | 1.2% | 7.4% | 5.4% | 4.4% | 2.8% | 5.0% | 0.5% | 23.5% | 8.7% |
| ROCE | 5.0% | 5.0% | 1.6% | 9.6% | 6.8% | 4.2% | 2.5% | 2.8% | 0.2% | 6.8% | 2.6% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.12 | 0.17 | 0.40 | 0.30 | 0.12 | 0.23 | 0.29 | 0.35 | 0.40 | — |
| Debt / EBITDA | 0.77 | 0.77 | 7.40 | 2.97 | 3.29 | 1.85 | 4.82 | 3.19 | 24.55 | 1.09 | — |
| Net Debt / Equity | — | 0.03 | 0.05 | 0.28 | 0.07 | 0.03 | 0.16 | 0.21 | 0.48 | 0.55 | 0.14 |
| Net Debt / EBITDA | 0.21 | 0.21 | 2.32 | 2.11 | 0.77 | 0.44 | 3.37 | 2.29 | 34.04 | 1.49 | 1.10 |
| Debt / FCF | — | 0.35 | 0.55 | 2.50 | 1.51 | 0.39 | 2.62 | 3.51 | 7.16 | 9.03 | — |
| Interest Coverage | 1.55 | 1.55 | 0.15 | 1.25 | 3.80 | 4.22 | 1.15 | 1.42 | 72.38 | 3006.34 | 622.27 |
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.24 | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Quick Ratio | 0.24 | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Cash Ratio | 0.04 | 0.04 | 0.02 | 0.02 | 0.03 | 0.01 | 0.01 | 0.01 | -0.06 | -0.04 | -0.03 |
| Asset Turnover | — | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.05 | 0.04 | 0.04 | 0.04 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.5% | 0.5% | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 5.2% | 5.2% | — | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.2% | 10.3% | 1.3% | 8.0% | 5.2% | 4.8% | 3.8% | 6.1% | 5.4% | 5.0% | 6.0% |
| FCF Yield | 8.5% | 9.3% | 12.2% | 10.1% | 4.0% | 8.0% | 8.6% | 6.5% | 7.0% | 3.8% | — |
| Buyback Yield | 0.9% | 1.0% | 0.5% | 0.3% | 0.2% | 1.6% | 0.0% | 0.0% | 0.0% | 0.0% | 5.5% |
| Total Shareholder Yield | 1.4% | 1.5% | 0.5% | 0.3% | 0.2% | 1.6% | 0.0% | 0.0% | 0.0% | 0.0% | 5.5% |
| Shares Outstanding | — | $33M | $25M | $19M | $18M | $15M | $10M | $9M | $7M | $5M | $4M |
California CRE concentration risk
Based on recent financial data, BCAL trades at a P/B of 1.18, which suggests that the market is currently pricing the bank as a commodity balance sheet rather than a premium franchise, likely due to the ongoing integration risks following its recent merger activity.
The current P/B multiple appears to discount the bank's potential for long-term synergy realization, reflecting investor skepticism regarding the sustainability of its recent growth. This valuation level warrants further investigation into whether the market is adequately accounting for the bank's unique relationship-centric model or simply applying a generic regional bank discount.
According to quarterly performance metrics, BCAL's ROE has remained consistently low, hovering near 2.4% to 3.3% in recent periods, which indicates that the bank's profitability is currently strained by a compressed net interest margin and the high fixed costs of its relationship-banking model.
The DuPont decomposition suggests that the bank's profitability is heavily reliant on asset utilization, yet the current NIM of approximately 1.0% limits the overall return on equity. Investors should monitor whether the bank can improve its non-interest income contribution to offset the persistent pressure on interest-earning margins.
As reported in recent financial statements, BCAL's efficiency ratio has fluctuated between 39.1% and 47.2%, suggesting that the bank is struggling to maintain consistent operating leverage while managing the high human capital costs inherent in its specialized commercial lending strategy.
The inability to consistently lower the efficiency ratio may indicate that the bank's cost structure is not scaling as effectively as anticipated following its recent expansion. This trend warrants further investigation into whether the bank's high-touch service model can remain competitive without further eroding its net interest margin.
Based on the provided quarterly data, BCAL maintains an equity-to-assets ratio of approximately 0.14, which appears to provide an adequate capital cushion to support current operations while absorbing potential volatility from its concentrated commercial real estate and industrial loan portfolios.
This capital position suggests a conservative approach to balance sheet management, which is necessary given the bank's geographic concentration in the California market. Investors should monitor whether this capital adequacy remains sufficient if credit stress in the CRE sector necessitates higher-than-expected loan loss provisions.
The P/E ratio is frequently misapplied to BCAL, as it obscures the impact of volatile loan loss provisions and merger-related expenses that distort core earnings, making it a poor indicator of the bank's underlying operational health and long-term value creation potential.
Analysts should prioritize P/TBV and P/B multiples, as these metrics provide a more accurate reflection of the bank's tangible capital base and its ability to generate returns on that capital. Relying on P/E in the context of a bank undergoing significant M&A integration may lead to erroneous conclusions about its true profitability.
Includes 30+ ratios · 21 years · Updated daily
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Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying BCAL stock.
Southern California Bancorp's current P/E ratio is 10.8x. The historical average is 21.0x. This places it at the 13th percentile of its historical range.
Southern California Bancorp's current EV/EBITDA is 7.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 14.7x.
Southern California Bancorp's return on equity (ROE) is 11.6%. The historical average is 2.0%.
Based on historical data, Southern California Bancorp is trading at a P/E of 10.8x. This is at the 13th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
Southern California Bancorp's current dividend yield is 0.48% with a payout ratio of 5.2%.
Southern California Bancorp has 79.7% gross margin and 37.1% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
Southern California Bancorp's Debt/EBITDA ratio is 0.8x, indicating low leverage. A ratio below 2x is generally considered financially healthy.