Southern California Bancorp
Southern California Bancorp Fundamental Analysis
Southern California Bancorp (BCAL) shows strong financial fundamentals with a PE ratio of 9.32, profit margin of 27.06%, and ROE of 11.36%. The company generates $0.2B in annual revenue with strong year-over-year growth of 45.45%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 68.9/100 based on profitability, valuation, growth, and balance sheet metrics. The C+ grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BCAL's fundamental strength across five key dimensions:
Efficiency Score
WeakBCAL struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBCAL trades at attractive valuation levels.
Growth Score
ModerateBCAL shows steady but slowing expansion.
Financial Health Score
ModerateBCAL shows balanced financial health with some risks.
Profitability Score
ModerateBCAL maintains healthy but balanced margins.
Key Financial Metrics
Is BCAL Expensive or Cheap?
P/E Ratio
BCAL trades at 9.32 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BCAL's PEG of -18.16 indicates potential undervaluation.
Price to Book
The market values Southern California Bancorp at 1.02 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.07 times EBITDA. This is generally considered low.
How Well Does BCAL Make Money?
Net Profit Margin
For every $100 in sales, Southern California Bancorp keeps $27.06 as profit after all expenses.
Operating Margin
Core operations generate 37.75 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $11.36 in profit for every $100 of shareholder equity.
ROA
Southern California Bancorp generates $1.56 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Southern California Bancorp produces operating cash flow of $56.49M, showing steady but balanced cash generation.
Free Cash Flow
Southern California Bancorp generates strong free cash flow of $56.14M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $1.74 in free cash annually.
FCF Yield
BCAL converts 9.81% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
9.32
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-18.16
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.02
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.49
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.12
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.24
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.11
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How BCAL Stacks Against Its Sector Peers
| Metric | BCAL Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 9.32 | 18.80 | Better (Cheaper) |
| ROE | 11.36% | 817.00% | Weak |
| Net Margin | 27.06% | -55.00% (disorted) | Strong |
| Debt/Equity | 0.12 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 0.24 | 661.52 | Weak Liquidity |
| ROA | 1.56% | -23757.00% (disorted) | Weak |
BCAL outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Southern California Bancorp's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
62.27%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-72.04%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
109.33%
Industry Style: Value, Dividend, Cyclical
High Growth