Southern California Bancorp Common Stock (BCAL) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Southern California Bancorp Common Stock stock (BCAL) is currently trading at $17.49. Southern California Bancorp Common Stock PE ratio is 8.97. Southern California Bancorp Common Stock PS ratio (Price-to-Sales) is 2.96. Analyst consensus price target for BCAL is $21.50. WallStSmart rates BCAL as Hold.
- BCAL PE ratio analysis and historical PE chart
- BCAL PS ratio (Price-to-Sales) history and trend
- BCAL intrinsic value — DCF, Graham Number, EPV models
- BCAL stock price prediction 2025 2026 2027 2028 2029 2030
- BCAL fair value vs current price
- BCAL insider transactions and insider buying
- Is BCAL undervalued or overvalued?
- Southern California Bancorp Common Stock financial analysis — revenue, earnings, cash flow
- BCAL Piotroski F-Score and Altman Z-Score
- BCAL analyst price target and Smart Rating
Southern California Bancorp
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BCAL Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Southern California Bancorp Common Stock (BCAL)
BCAL trades 44% above its Graham fair value of $13.12, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Southern California Bancorp Common Stock (BCAL) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around revenue growth and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Southern California Bancorp Common Stock (BCAL) Key Strengths (4)
Keeps $55 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $33 of every $100 in revenue as net profit
69.51% held by institutions, strong professional interest
Supporting Valuation Data
Southern California Bancorp Common Stock (BCAL) Areas to Watch (5)
Earnings declining -1.10%, profits shrinking
Revenue growing slowly at 1.90% annually
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Revenue is fairly priced at 2.96x sales
Southern California Bancorp Common Stock (BCAL) Detailed Analysis Report
Overall Assessment
This company scores 57/100 in our Smart Analysis, earning a C grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 3.6/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.97) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 55.00%, Profit Margin at 33.40%.
The Bear Case
The primary concerns are EPS Growth, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (2.96) suggest expensive pricing. Growth concerns include Revenue Growth at 1.90%, EPS Growth at -1.10%, which may limit upside. Profitability pressure is visible in Return on Equity at 11.60%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 11.60% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 1.90% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (EPS Growth, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BCAL Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BCAL's Price-to-Sales ratio of 2.96x sits near its historical average of 3.07x (0th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 8% below its historical high of 3.23x set in Feb 2026, and 0% above its historical low of 2.96x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for Southern California Bancorp Common Stock (BCAL) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Southern California Bancorp Common Stock operates as a stable business with moderate growth and solid fundamentals. Revenue reached 189M with 2% growth year-over-year. Profit margins are strong at 33.4%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 33.4% and operating margin of 55.0% demonstrate strong pricing power and operational efficiency.
Generating 21M in free cash flow and 21M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Southern California Bancorp Common Stock.
Bottom Line
Southern California Bancorp Common Stock offers stability with moderate growth and solid fundamentals. The valuation may present an opportunity for patient investors, though limited growth means returns will likely come from dividends and modest capital appreciation rather than explosive gains.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Southern California Bancorp Common Stock(BCAL)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Southern California Bancorp is 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 is headquartered in San Diego, California.