Southern California Bancorp (BCAL) Key Metrics
BCAL valuation today
Trailing 12 months · as of October 17, 2026- Market cap
- $699.6M
- Enterprise value
- $487.6M
- P/E (TTM)
- 11.8 10-yr median 18.8
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 3.8 10-yr median 2.7
- Price / book
- 1.2 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 10.9
- Dividend yield
- 2.21% $0.48 a year
- Beta
- 0.34
BCAL key metrics, 2016–2025
Fiscal year ended December 31, 2025 · U.S. dollarsBCAL valuation Price multiples at each fiscal year-end price.
BCAL returns How much profit the business earns on the capital it uses.
BCAL per-share figures Results divided by the shares outstanding at year-end.
BCAL financial health Debt, liquidity and how easily interest is covered.
BCAL efficiency & capital use Working capital cycle and where the cash goes.
BCAL valuation history
BCAL returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
BCAL debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
BCAL cash returned to shareholders
BCAL price vs earnings per share
BCAL key metrics
2016–2025| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Valuation | ||||||||||
| Market capitalization | $611.4M | $407.3M | $323.7M | $306.8M | $223.5M | $123.7M | $110.1M | $97.2M | — | — |
| Enterprise value | $396.2M | $292.8M | $275.6M | $212.7M | $175.0M | $126.7M | $118.8M | $145.7M | — | — |
| P/E ratio | 9.7 | 75.0 | 12.5 | 19.0 | 20.9 | 26.2 | 16.2 | 18.5 | — | — |
| Price / sales | 2.6 | 2.2 | 2.6 | 3.1 | 3.1 | 2.3 | 2.8 | 3.1 | — | — |
| Price / book | 1.1 | 0.8 | 1.1 | 1.2 | 0.9 | 0.7 | 0.9 | 1.0 | — | — |
| Price / free cash flow | 10.7 | 8.2 | 9.9 | 25.0 | 12.5 | 11.7 | 15.4 | 14.3 | — | — |
| Price / operating cash flow | 10.7 | 8.1 | 9.8 | 23.0 | 11.4 | 10.0 | 13.1 | 13.1 | — | — |
| EV / sales | 1.7 | 1.6 | 2.2 | 2.2 | 2.4 | 2.3 | 3.0 | 4.7 | — | — |
| EV / EBITDA | 4.2 | 24.6 | 7.1 | 8.9 | 11.0 | 15.4 | 10.8 | 17.5 | — | — |
| EV / free cash flow | 7.0 | 5.9 | 8.4 | 17.3 | 9.8 | 12.0 | 16.6 | 21.5 | — | — |
| Earnings yield | 10.3% | 1.3% | 8.0% | 5.3% | 4.8% | 3.8% | 6.2% | 5.4% | — | — |
| Free cash flow yield | 9.3% | 12.2% | 10.1% | 4.0% | 8.0% | 8.6% | 6.5% | 7.0% | — | — |
| Dividend yield | 0.5% | 0.0% | 3.6% | 30.6% | — | — | — | 0.0% | — | — |
| Shareholder yield (dividends + buybacks) | 1.5% | 0.5% | 3.8% | 30.8% | 1.6% | 0.0% | — | 0.0% | — | — |
| Share price at fiscal year-end | $18.67 | $16.54 | $17.35 | $16.83 | $14.99 | $12.75 | $12.75 | $13.20 | $14.75 | — |
| Per share | ||||||||||
| Revenue per share | $7.24 | $7.50 | $6.80 | $5.38 | $4.80 | $5.59 | $4.59 | $4.26 | — | — |
| Earnings per share | $1.93 | $0.22 | $1.39 | $0.88 | $0.72 | $0.49 | $0.78 | $0.71 | — | — |
| Operating cash flow per share | $1.75 | $2.04 | $1.77 | $0.73 | $1.32 | $1.27 | $0.97 | $1.01 | — | — |
| Free cash flow per share | $1.74 | $2.02 | $1.76 | $0.67 | $1.20 | $1.09 | $0.83 | $0.92 | — | — |
| Cash per share | $8.76 | $8.22 | $8.74 | $9.48 | $5.23 | $3.78 | $3.04 | −$1.84 | — | — |
| Book value per share | $17.61 | $20.79 | $15.44 | $14.28 | $16.53 | $17.41 | $13.96 | $13.77 | — | — |
| Tangible book value per share | $13.66 | $15.34 | $13.35 | $12.12 | $13.93 | $15.18 | $13.96 | $11.20 | — | — |
| Dividends per share | $0.10 | $0.00 | $0.62 | $5.15 | — | — | — | $0.00 | — | — |
| Capex per share | $0.01 | $0.02 | $0.02 | $0.06 | $0.12 | $0.18 | $0.14 | $0.09 | — | — |
| Debt per share | $2.19 | $3.58 | $6.16 | $4.32 | $1.97 | $4.09 | $4.06 | $4.75 | — | — |
| Shares outstanding | 32.7M | 24.6M | 18.7M | 18.2M | 14.9M | 9.7M | 8.6M | 7.4M | — | — |
| Change in shares outstanding | +33.0% | +32.0% | +2.4% | +22.2% | +53.7% | +12.4% | +17.2% | — | — | — |
| Returns & profitability | ||||||||||
| Return on equity (ROE) | 11.6% | 1.4% | 9.4% | 6.4% | 5.2% | 3.3% | 6.1% | 7.0% | 8.4% | 7.3% |
| Return on invested capital (ROIC) | 16.6% | 1.7% | 12.8% | 8.8% | 5.8% | 3.1% | 4.9% | 0.4% | 15.9% | 10.2% |
| Return on assets (ROA) | 1.6% | 0.2% | 1.1% | 0.7% | 0.6% | 0.4% | 0.8% | 0.8% | 0.9% | 0.8% |
| Return on tangible assets | 1.6% | 0.1% | 1.1% | 0.7% | 0.5% | 0.3% | 0.8% | 0.7% | 0.8% | 0.7% |
| Free cash flow margin | 24.0% | 26.9% | 25.8% | 12.5% | 25.0% | 19.5% | 18.1% | 21.6% | 14.1% | −1.9% |
| Income quality (OCF / net income) | 0.91 | 9.26 | 1.28 | 0.83 | 1.84 | 2.62 | 1.24 | 1.41 | 0.94 | 1.31 |
| Financial health | ||||||||||
| Total debt | $71.7M | $88.0M | $115.0M | $78.8M | $29.4M | $39.7M | $35.0M | $35.0M | $20.0M | $0 |
| Cash & short-term investments | $286.9M | $202.5M | $163.0M | $172.9M | $78.0M | $36.7M | $26.2M | −$13.5M | −$7.4M | −$6.2M |
| Net debt | −$215.2M | −$114.4M | −$48.1M | −$94.0M | −$48.6M | $3.0M | $8.8M | $48.5M | $27.4M | $6.2M |
| Debt / equity | 0.12 | 0.17 | 0.40 | 0.30 | 0.12 | 0.23 | 0.29 | 0.35 | 0.40 | 0.00 |
| Debt / assets | 0.02 | 0.02 | 0.05 | 0.03 | 0.01 | 0.03 | 0.04 | 0.05 | 0.04 | 0.00 |
| Net debt / EBITDA | −2.30 | −9.62 | −1.24 | −3.92 | −3.05 | 0.37 | 0.80 | 5.83 | 3.69 | 1.12 |
| Current ratio | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Quick ratio | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 | 0.03 | 0.04 | 0.29 | 0.21 | 0.38 |
| Interest coverage | 1.5 | 0.1 | 1.3 | 3.8 | 4.2 | 1.2 | 1.4 | 6.1 | — | 634.5 |
| Working capital | −$891.4M | −$3.20B | −$1.78B | −$1.76B | −$1.90B | −$1.16B | −$645.7M | −$171.0M | −$152.8M | −$112.8M |
| Invested capital | $361.4M | $397.4M | $240.1M | $166.3M | $197.9M | $171.9M | $129.3M | $149.9M | $77.1M | $50.8M |
| Tangible asset value | $447.2M | $377.8M | $249.2M | $221.0M | $207.7M | $147.3M | $120.5M | $82.5M | $48.3M | $43.1M |
| Net current asset value | −$3.17B | −$3.32B | −$1.91B | −$1.85B | −$1.94B | −$1.37B | −$686.5M | −$598.7M | −$389.4M | −$310.7M |
| Graham number | $27.62 | $10.16 | $21.97 | $16.85 | $16.34 | $13.81 | $15.70 | $14.87 | — | — |
| Graham net-net per share | −$96.80 | −$134.72 | −$102.32 | −$101.53 | −$130.17 | −$141.59 | −$79.54 | −$92.52 | — | — |
| Capital allocation | ||||||||||
| Dividends paid | $3.3M | $0 | $11.5M | $93.8M | — | — | — | $0 | $0 | $0 |
| Share buybacks (net) | $6.0M | $2.0M | $889,000 | $574,000 | $3.7M | $0 | — | $0 | $0 | $2.8M |
| Dividend payout ratio | 5.2% | 0.0% | 44.4% | 582.2% | — | — | — | 0.0% | 0.0% | 0.0% |
| Dividends + buybacks / free cash flow | 16.3% | 4.0% | 37.8% | 769.2% | 20.5% | 0.0% | — | 0.0% | 0.0% | — |
| Capex / revenue | 0.1% | 0.3% | 0.2% | 1.1% | 2.4% | 3.3% | 3.0% | 2.1% | 3.2% | 23.6% |
| Capex / operating cash flow | 0.6% | 1.1% | 0.9% | 8.1% | 8.9% | 14.3% | 14.4% | 8.8% | 18.6% | 108.9% |
| Capex / depreciation | 0.06 | 0.15 | 0.16 | 0.54 | 1.02 | 1.22 | 0.94 | 0.82 | 1.57 | 9.08 |
| Stock-based compensation / revenue | 2.5% | 3.4% | 3.6% | 3.8% | 7.7% | 4.9% | 1.5% | — | — | — |
| SG&A / revenue | 26.9% | 27.8% | 31.6% | 38.8% | 50.6% | 42.1% | 32.1% | 40.9% | 43.6% | 47.8% |
| Efficiency | ||||||||||
| Days payables outstanding | — | — | — | — | 126,727.4 | 32,687.0 | 30,246.2 | — | — | — |
| Payables turnover | — | — | — | — | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 |
| Inventory turnover | — | — | — | — | — | — | — | — | — | 0.00 |
| Asset turnover | 0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
| Average payables | — | — | — | — | $1.58B | $933.3M | $649.9M | $517.7M | $392.5M | $337.9M |
| Average inventory | — | — | — | — | — | — | — | $0 | $117,500 | $166,620 |
| Intangibles / total assets | 3.2% | 3.3% | 1.7% | 1.7% | 1.7% | 1.4% | 0.0% | 2.5% | 0.3% | 0.4% |
Computed from BCAL's annual financial statements (latest annual report filed March 13, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
BCAL valuation and financial ratios
At the end of fiscal 2025 (December 31, 2025), Southern California Bancorp traded at 9.7 times earnings, against a 10-year median of 18.8. Based on the latest twelve months, the trailing P/E is 11.8. Southern California Bancorp earned a return on equity of 11.6% and a return on invested capital of 16.6% in fiscal 2025. It ended the year with $71.7 million of debt and $286.9 million in cash and short-term investments, a net cash position of $215.2 million. It returned $9.3 million to shareholders: $3.3 million in dividends and $6.0 million in share buybacks, 16% of free cash flow.
See the BCAL income statement, the BCAL chart for price history, or the BCAL stock overview for the latest quote and news.
BCAL key metrics FAQ
What is Southern California Bancorp's P/E ratio?
Southern California Bancorp's trailing P/E ratio is 11.8 based on the last twelve months of earnings (as of October 17, 2026). At the end of fiscal 2025 it was 9.7, compared with a 10-year median of 18.8.
What is Southern California Bancorp's EV/EBITDA?
Southern California Bancorp's enterprise value was 4.2 times EBITDA at the end of fiscal 2025 (enterprise value $396.2 million, EBITDA $93.6 million).
What is Southern California Bancorp's return on equity?
Southern California Bancorp's return on equity (ROE) was 11.6% in fiscal 2025: net income of $63.1 million on average shareholders' equity of $544.2 million.
What is Southern California Bancorp's ROIC?
Southern California Bancorp's return on invested capital was 16.6% in fiscal 2025, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Southern California Bancorp have?
Southern California Bancorp had total debt of $71.7 million at the end of fiscal 2025, a debt-to-equity ratio of 0.12 and more cash than debt.
What is Southern California Bancorp's dividend yield?
Southern California Bancorp's forward dividend yield is 2.21%. Southern California Bancorp paid $3.3 million in dividends in fiscal 2025 ($0.10 per share), a payout ratio of 5.2%.
Does Southern California Bancorp buy back its shares?
Yes. Southern California Bancorp spent $6.0 million on net share repurchases in fiscal 2025 Shares outstanding changed +33.0% over the year, to 32.7M..
What is Southern California Bancorp's free cash flow yield?
Southern California Bancorp generated $56.9 million of free cash flow in fiscal 2025, a free cash flow yield of 9.3% on its market value at year-end ($611.4 million).
What is Southern California Bancorp's current ratio?
Southern California Bancorp's current ratio was 0.24 at the end of fiscal 2025: current assets were 0.24 times current liabilities.