Southern Calif Bancorp
Research Southern Calif Bancorp (BCAL) on Bullrun: valuation model: 2.7% undervalued, market cap USD 686.19M, P/E 11.6, dividend yield 1.4%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerBCAL
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal2.7% undervalued
- Market capUSD 686.19M
- P/E11.6
- Dividend yield1.4%
- Financial periodQ2 2026
- RevenueUSD 44.91M
- Net incomeUSD 14.30M
- Free cash flowUSD 14.30M
Valuation Snapshot
Bullrun's latest valuation model marks Southern Calif Bancorp as 2.7% undervalued; latest market cap is USD 686.19M; P/E is 11.6; dividend yield is 1.4%.
Peer valuation comparison
Latest P/E is 11.6x versus a Financial Services sector median of 13.84x (16.2% below).
Latest dividend yield is 1.41% versus a Financial Services sector median of 3.86% (63.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 180.18M | USD 63.06M | USD 56.94M | n/a | 1.93 | USD 399.91M | USD 33.83M | USD 576.59M |
| FY2024 | USD 127.76M | USD 5.43M | USD 49.74M | n/a | 0.22 | USD 388.16M | USD 69.73M | USD 511.84M |
| FY2023 | USD 97.52M | USD 25.91M | USD 32.80M | n/a | 1.39 | USD 86.79M | USD 102.87M | USD 288.15M |
| FY2022 | n/a | USD 16.11M | USD 12.27M | n/a | 0.88 | USD 86.76M | USD 67.77M | USD 260.36M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 686.19M | 11.6 | 1.4% | 0.3 |
| 2025 | 2025-12-31 | USD 605.25M | 9.7 | 0.5% | 0.1 |
| 2024 | 2024-12-31 | USD 533.68M | 87.1 | n/a | n/a |
| 2023 | 2023-12-29 | USD 317.84M | 10.8 | n/a | n/a |
| 2022 | 2022-12-30 | USD 300.20M | 27.1 | n/a | n/a |
| 2021 | 2021-12-31 | USD 265.44M | 20.8 | n/a | n/a |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.3 USD, yield 1.4%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.1 USD |
About Southern Calif Bancorp
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit.
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Frequently asked questions
Is Southern Calif Bancorp overvalued or undervalued?
Bullrun's valuation model currently marks Southern Calif Bancorp as 2.7% undervalued.
What is Southern Calif Bancorp's market cap?
Southern Calif Bancorp's market capitalization is USD 686.19M.
What is Southern Calif Bancorp's P/E ratio?
Southern Calif Bancorp's price-to-earnings (P/E) ratio is 11.6.
Does Southern Calif Bancorp pay a dividend?
Southern Calif Bancorp has a dividend yield of 1.4%.
What does Southern Calif Bancorp do?
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit.