NASDAQ: BCALCalifornia Bancorp Stock
$13.98+0.16 (+1.16%)
Updated Oct 11, 2024
BCAL Price
$13.98
Fair Value Price
N/A
Market Cap
$259.29M
52 Week Low
$12.30
52 Week High
$18.00
P/E
15.89x
P/B
0.88x
P/S
2.86x
PEG
1.11x
Dividend Yield
N/A
Revenue
$87.33M
Earnings
$16.09M
Gross Margin
100%
Operating Margin
26.59%
Profit Margin
18.4%
Debt to Equity
6.82
Operating Cash Flow
$11M
Beta
0.49
Next Earnings
N/A
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 Score
–
Industry Average (30)
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Due Diligence Checks
BCAL ($13.98) is trading above its intrinsic value of $9.65, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
BCAL is good value based on its earnings relative to its share price (15.89x), compared to the US market average (27.31x)
P/E vs Market Valuation
BCAL is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
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Valuation
BCAL price to earnings (PE)
For valuing profitable companies with steady earnings
Company
15.89x
Industry
12.17x
Market
27.31x
BCAL is poor value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BCAL is good 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
0.88x
Industry
1.13x
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 poor value relative... subscribe to Premium to read more.
PEG Value Valuation
BCAL's financial health
Profit margin
Revenue
$19.3M
Net Income
$190.0k
Profit Margin
1%
BCAL's Earnings (EBIT) of $23.22M... 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
$2.3B
Liabilities
$2.0B
Debt to equity
6.82
BCAL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$309.0k
Investing
$14.7M
Financing
$3.2M
BCAL's operating cash flow ($11.04M)... 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.