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BCAL

Southern California Bancorp

BCAL

Southern California Bancorp • NASDAQ
$19.41 ▲ 0.15% (+0.03)
Market Cap $628.09 M
52w High $19.91
52w Low $11.87
Dividend Yield 0%
P/E 8.94
Volume 46.03K
Outstanding Shares 32.36M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $59.856M ▲ $23.382M ▼ $15.684M ▲ 26.203% ▲ $0.48 ▲ $23.18M ▲
Q2-2025 $58.642M ▼ $24.833M ▼ $14.099M ▼ 24.042% ▼ $0.43 ▼ $21.482M ▼
Q1-2025 $59.392M ▼ $24.921M ▼ $16.853M ▲ 28.376% ▲ $0.52 $25.171M ▲
Q4-2024 $63.562M ▲ $26.125M ▼ $16.772M ▲ 26.387% ▲ $0.52 ▲ $24.858M ▲
Q3-2024 $55.301M $37.68M $-16.464M -29.772% $-0.59 $-21.362M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $95.046M ▲ $4.101B ▲ $3.536B ▲ $564.724M ▲
Q2-2025 $86.646M ▼ $3.954B ▼ $3.406B ▼ $547.593M ▲
Q1-2025 $89.086M ▼ $3.983B ▼ $3.452B ▼ $531.384M ▲
Q4-2024 $202.472M ▼ $4.032B ▼ $3.52B ▼ $511.836M ▲
Q3-2024 $274.495M $4.363B $3.865B $498.064M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $15.684M ▲ $15.977M ▲ $-12.587M ▼ $125.689M ▲ $129.079M ▲ $15.869M ▲
Q2-2025 $14.099M ▼ $13.422M ▲ $25.788M ▼ $-48.314M ▲ $-9.104M ▼ $13.388M ▲
Q1-2025 $16.853M ▲ $6.983M ▼ $101.335M ▲ $-57.239M ▲ $51.079M ▲ $6.878M ▼
Q4-2024 $16.772M ▲ $23.63M ▲ $92.938M ▼ $-342.829M ▼ $-226.261M ▼ $23.488M ▲
Q3-2024 $-16.464M $18.3M $354.515M $136.875M $509.69M $18.117M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Deposit Account
Deposit Account
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement Revenue has grown steadily over the past several years, showing that the bank is expanding its business base. Profitability has also improved over the longer term, but the most recent year shows some strain: earnings are positive, yet well below the prior year, suggesting pressure on margins, likely from higher funding costs, competitive pricing, or integration-related expenses. Overall, this looks like a still‑growing regional bank that has moved from very small profits to more meaningful scale, but with a recent step back in earnings quality that is worth watching.

Balance Sheet

Balance Sheet The balance sheet has expanded quickly, especially in the latest year, reflecting strong loan and deposit growth and the effects of acquisitions and the merger strategy. Equity has been building, which supports future growth and provides a capital cushion, while direct debt remains modest relative to total assets. The jump in size is a clear opportunity but also raises the importance of disciplined risk management, credit quality oversight, and smooth integration as the bank grows into a larger, statewide platform.

Cash Flow

Cash Flow Operating cash flow has been consistently positive and gradually improving, which is encouraging for a bank that is still scaling up. Free cash flow tracks closely with operating cash flow because capital spending needs are limited, a typical pattern for a financial institution. This points to a business that is largely self‑funding its growth. The main cash‑flow questions going forward will be how funding costs, deposit mix, and credit conditions evolve as the bank becomes larger and more complex.

Competitive Edge

Competitive Edge Southern California Bancorp positions itself as a relationship‑driven business bank, focusing on small and mid‑sized companies that value personal service and direct access to decision‑makers. Its competitive strength lies in high‑touch, localized banking, customized lending (commercial, real estate, and SBA), and a fairly comprehensive suite of cash‑management tools. The merger with California BanCorp broadens its footprint from a regional franchise into a more statewide business bank, increasing scale and lending capacity. At the same time, it will face intense competition from large national banks, other strong regional players, and fintech‑enabled offerings, so maintaining service quality and culture during integration will be critical to preserving its edge.

Innovation and R&D

Innovation and R&D The bank’s innovation focus is practical rather than flashy. It provides a solid digital platform with online and mobile banking, cash management, remote deposit, and business administration tools that fit the needs of small and mid‑sized businesses. These tools help clients manage payments, collections, and internal controls more efficiently. The merger is meant to accelerate technology investment, especially in risk management, operational efficiency, and a better client experience. While the offerings are not unique at the industry level, thoughtful integration and incremental upgrades could strengthen the bank’s value proposition if execution is strong.

Summary

Southern California Bancorp has evolved from a smaller regional player into a larger, more ambitious business bank, supported by steady revenue growth, an expanding balance sheet, and a clear focus on relationship banking for business clients. Its long‑term trend in profitability is upward, but the latest year shows earnings pressure that underscores the challenges of a tougher interest‑rate environment and merger integration. The balance sheet and cash flows look generally sound for a growing bank, with increasing capital and self‑funded expansion. The strategic merger with California BanCorp offers meaningful upside in scale, technology, and product breadth, but also introduces integration and credit‑cycle risks. Overall, BCAL appears to be in a transition phase—moving from niche regional bank to a broader California business bank—where execution quality over the next few years will largely determine how much value its strategy ultimately creates.

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