Southern California Bancorp (BCAL) Income Statement
BCAL 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsBCAL revenue and net income
Where BCAL's revenue goes
2025Each bar shows an amount and its share of revenue. BCAL kept 26.6% of revenue as net income.
BCAL profit margins
BCAL growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +28.4% | +34.2% | +34.3% | +31.5% |
| Gross profit | +78.2% | +29.9% | +34.0% | +28.6% |
| Operating income | +964.5% | +58.8% | +67.0% | +38.2% |
| Net income | +1,060.6% | +57.6% | +67.9% | +41.8% |
| EPS (diluted) | +63.6% | +29.9% | +36.3% | +32.0% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
BCAL quarterly EPS vs estimates
Southern California Bancorp beat the analyst EPS estimate in 8 of the last 8 quarters. Next report: October 27, 2026 (estimate $0.43).
BCAL income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $237.1M | $184.6M | $126.9M | $98.0M | $71.6M | $54.2M | $39.7M | $31.3M | $21.5M | $18.2M |
| Cost of revenue | $48.1M | $78.5M | $30.3M | $11.7M | $4.6M | $10.4M | $7.8M | $0 | $0 | $0 |
| Gross profit | $189.0M | $106.1M | $96.6M | $86.3M | $67.0M | $43.8M | $31.8M | $31.3M | $21.5M | $18.2M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $63.8M | $51.3M | $40.1M | $38.0M | $36.2M | $22.8M | $12.7M | $12.8M | $9.4M | $8.7M |
| Total operating expenses | $101.0M | $97.8M | $59.7M | $64.3M | $52.8M | $37.0M | $22.1M | $4.7M | $3.6M | $2.9M |
| Operating income | $88.0M | $8.3M | $36.9M | $22.0M | $14.2M | $6.8M | $9.7M | $632,257 | $17.9M | $5.2M |
| Interest income | $226.0M | $179.8M | $123.5M | $93.6M | $67.8M | $51.8M | $37.7M | — | — | — |
| Interest expense | $56.9M | $56.8M | $29.4M | $5.8M | $3.4M | $5.9M | $6.8M | $104,062 | $2,318 | $8,148 |
| Income before taxes | $88.0M | $8.3M | $36.9M | $22.0M | $14.2M | $6.8M | $9.7M | $7.5M | $7.0M | $5.1M |
| Income taxes | $24.9M | $2.8M | $10.9M | $5.9M | $3.5M | $2.0M | $2.9M | $2.3M | $3.0M | $2.1M |
| Net income | $63.1M | $5.4M | $25.9M | $16.1M | $10.7M | $4.7M | $6.8M | $5.3M | $4.0M | $3.0M |
| EBITDA | $93.6M | $11.9M | $38.8M | $24.0M | $15.9M | $8.2M | $11.0M | $8.3M | $7.4M | $5.5M |
| EPS (diluted) | $1.93 | $1.18 | $1.39 | $0.88 | $0.87 | $0.41 | $0.78 | $0.76 | $0.83 | $0.71 |
| Gross margin | 79.7% | 57.5% | 76.1% | 88.0% | 93.6% | 80.8% | 80.2% | 100.0% | 100.0% | 100.0% |
| Operating margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | 12.5% | 24.4% | 2.0% | 83.3% | 28.4% |
| Net margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | 8.7% | 17.1% | 16.8% | 18.4% | 16.5% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $56.4M | $55.9M | $59.2M | $59.9M | $58.6M | $59.4M | $45.5M | $55.3M | $33.0M | $32.7M | $32.5M | $32.3M |
| Cost of revenue | $12.3M | $11.3M | $8.9M | $14.7M | $13.7M | $10.8M | — | $40.1M | $13.7M | $10.4M | $10.8M | $8.1M |
| Gross profit | $44.1M | $44.6M | $50.3M | $45.2M | $44.9M | $48.6M | — | $15.2M | $19.3M | $22.2M | $21.6M | $24.2M |
| Sales, general & admin | $16.9M | $16.9M | $16.7M | $15.1M | $15.7M | $16.3M | $16.5M | $15.9M | $9.0M | $9.8M | $9.8M | $10.0M |
| Total operating expenses | $24.2M | $25.5M | $27.9M | $23.4M | $24.8M | $24.9M | — | $37.7M | $19.0M | $15.0M | $15.3M | $14.8M |
| Operating income | $19.8M | $19.1M | $22.4M | $21.8M | $20.1M | $23.7M | — | −$22.5M | $278,000 | $7.3M | $6.3M | $9.4M |
| Interest income | $54.9M | $53.8M | $56.2M | $57.2M | $55.8M | $56.8M | $62.6M | $54.1M | $31.8M | $31.3M | $32.6M | $31.5M |
| Interest expense | $11.6M | $11.7M | $13.3M | $14.7M | $14.4M | $14.6M | $18.0M | $17.2M | $10.8M | $10.8M | $10.0M | $8.2M |
| Income before taxes | $19.8M | $19.1M | $22.4M | $21.8M | $20.1M | $23.7M | $23.3M | −$22.5M | $278,000 | $7.3M | $6.3M | $9.4M |
| Income taxes | $5.5M | $5.3M | $6.0M | $6.1M | $6.0M | $6.8M | — | −$6.1M | $88,000 | $2.3M | $1.9M | $2.8M |
| Net income | $14.3M | $13.8M | $16.4M | $15.7M | $14.1M | $16.9M | $16.8M | −$16.5M | $190,000 | $4.9M | $4.4M | $6.6M |
| EBITDA | $21.0M | $20.3M | $23.7M | $23.2M | $21.5M | $25.2M | — | −$21.4M | $711,000 | $7.7M | $6.7M | $9.9M |
| EPS (diluted) | $0.44 | $0.42 | $0.50 | $0.48 | $0.43 | $0.52 | $0.53 | $0.33 | $0.03 | $0.29 | $0.24 | $0.35 |
| Gross margin | 78.2% | 79.8% | 85.0% | 75.5% | 76.6% | 81.8% | — | 27.4% | 58.4% | 68.1% | 66.6% | 74.8% |
| Operating margin | 35.2% | 34.1% | 37.8% | 36.4% | 34.2% | 39.9% | — | −40.7% | 0.8% | 22.2% | 19.4% | 29.1% |
| Net margin | 25.4% | 24.7% | 27.8% | 26.2% | 24.0% | 28.4% | 36.8% | −29.8% | 0.6% | 15.1% | 13.6% | 20.3% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in BCAL's financial statements (latest annual report filed March 13, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
BCAL financial results
In fiscal year 2025 (ended December 31, 2025), Southern California Bancorp reported revenue of $237.1 million, up 28.4% from the year before. It had net income of $63.1 million (up 1,060.6%), a net profit margin of 26.6%. Diluted earnings per share came to $1.93. Over five years revenue grew at an average rate of 34.3% a year.
See the BCAL stock overview for the latest quote and news, or the BCAL chart for price history and technical indicators.
BCAL income statement FAQ
What is Southern California Bancorp's annual revenue?
Southern California Bancorp reported total revenue of $237.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 28.4% from $184.6 million the previous year.
Is Southern California Bancorp profitable?
Yes. Southern California Bancorp reported net income of $63.1 million in fiscal 2025, a net profit margin of 26.6%; its operating margin was 37.1%.
What is Southern California Bancorp's gross margin?
Southern California Bancorp's gross margin was 79.7% in fiscal 2025: for every $100 of revenue, Southern California Bancorp kept $80 after the direct cost of its products and services.
How fast is Southern California Bancorp growing?
Revenue grew 34.3% a year on average over the last five fiscal years, from $54.2 million to $237.1 million.
What are Southern California Bancorp's earnings per share?
Southern California Bancorp earned $1.93 per diluted share in fiscal 2025, compared with $1.18 a year earlier.
When will Southern California Bancorp report its next earnings?
Southern California Bancorp is expected to report results for the quarter ending September 30, 2026 on October 27, 2026.
When does Southern California Bancorp's fiscal year end?
Southern California Bancorp's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 13, 2026.