NASDAQ: BCALCalifornia Bancorp Stock
$12.60-0.04 (-0.32%)
Updated Apr 21, 2025
BCAL Price
$12.60
Fair Value Price
$24.14
Market Cap
$408.27M
52 Week Low
$11.87
52 Week High
$18.49
P/E
57.27x
P/B
0.8x
P/S
5.02x
PEG
0.11x
Dividend Yield
N/A
Revenue
$106.05M
Earnings
$5.43M
Gross Margin
100%
Operating Margin
7.79%
Profit Margin
5.1%
Debt to Equity
6.88
Operating Cash Flow
$50M
Beta
0.66
Next Earnings
Apr 29, 2025
Ex-Dividend
N/A
Next Dividend
N/A
BCAL Overview
Southern 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.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine BCAL's potential to beat the market
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Bank
Industry Rating
F
BCAL
Ranked#1 of 296
Ranked#1 of 296
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $14.23 | B | |
| $30.90 | B | |
| $23.74 | B |
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BCAL News
Overview
Due Diligence Score
–
Industry Average (33)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how BCAL scored across 33 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
BCAL ($12.60) is undervalued by 47.81% relative to our estimate of its Fair Value price of $24.14 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
BCAL ($12.60) is significantly undervalued by 47.81% relative to our estimate of its Fair Value price of $24.14 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
BCAL ($12.60) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 30 more BCAL due diligence checks available for Premium users.
Valuation
BCAL fair value
Fair Value of BCAL stock based on Discounted Cash Flow (DCF)
Price
$12.60
Fair Value
$24.14
Undervalued by
47.81%
BCAL ($12.60) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
BCAL ($12.60) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
BCAL ($12.60) is trading below... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
BCAL price to earnings (PE)
For valuing profitable companies with steady earnings
Company
57.27x
Industry
13.07x
Market
27.14x
BCAL is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BCAL is poor value based... subscribe to Premium to read more.
P/E vs Market Valuation
BCAL price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.8x
Industry
1.07x
BCAL is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
BCAL price to earnings growth (PEG)
For valuing profitable companies with growth potential
BCAL is good value based... subscribe to Premium to read more.
PEG Value Valuation
BCAL's financial health
Profit margin
Revenue
$49.4M
Net Income
$16.8M
Profit Margin
34%
BCAL's Earnings (EBIT) of $8.26M... subscribe to Premium to read more.
Interest Coverage Financials
BCAL's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$4.0B
Liabilities
$3.5B
Debt to equity
6.88
BCAL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$23.6M
Investing
$92.9M
Financing
-$342.8M
BCAL's operating cash flow ($50.29M)... subscribe to Premium to read more.
Debt Coverage Financials
BCAL vs Bank Stocks
California Bancorp Stock FAQ
Company
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Information is provided 'as-is' and solely for informational purposes and is not advice. WallStreetZen does not bear any responsibility for any losses or damage that may occur as a result of reliance on this data.