BCAL - NASDAQ

Southern California Bancorp

BCAL·NASDAQ

$18.65

-2.9%

Financial ServicesBanks - Regional

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.

Statements Value Model

At a Glance

Live Snapshot

Market Cap$599.87M

EPS1.9500

P/E Ratio9.56

Earnings Date07/27/2026

4.03B

Assets

3Y+77.0%

5Y+155.0%

10Y+849.0%

3.46B

Total Liabilities

-2%

3Y+71.0%

5Y+145.0%

10Y+809.0%

576.59M

Total Equity

13%

3Y+121.0%

5Y+241.0%

10Y+1192.0%

Southern California Bancorp Funding & Solvency Profile

BCAL · NASDAQ

Current Assets

Cash & Cash Equivalents52.01M

Net Receivables0.00

Inventory0.00

Other Current Assets0.00

Total Current Assets287 M

Non-Current Assets

Property, Plant & Equipment27.21M

Goodwill & Intangible Assets129.41M

Long-Term Investments0.00

Other Non-Current Assets-10.10M

Total Non-Current Assets17 M

Total Assets

4.03B

Financial Health Analysis

Current Ratio

0.24x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

6.00x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-891353000

Negative working capital indicates short-term liabilities exceed short-term assets—potential liquidity stress.

Asset Composition

7% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

Southern California Bancorp Balance Sheet

BCAL • NASDAQ

Southern California Bancorp Balance Sheet	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017	Dec 2016	Dec 2015	Dec 2014	Dec 2013	Dec 2012	Dec 2011	Dec 2010	Dec 2009	Dec 2008	Dec 2007	Dec 2006
ASSETS
CURRENT ASSETS
Cash and Cash Equivalents	52M	60.5M	33M	60.3M	22.4M	12M	9.9M	-13.5M	-7.4M	-6.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.5M	15.1M
Short-Term Investments	234.9M	142M	130M	112.6M	55.6M	24.7M	16.3M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Cash & Short-Term Investments	286.9M	202.5M	163M	172.9M	78M	36.7M	26.2M	-13.5M	-7.4M	-6.2M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.5M	15.1M
Net Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	465K	0.0
Accounts Receivables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	465K	0.0
Other Current Assets	0.0	0.0	0.0	0.0	0.0	0.0	0.0	68.9M	41.2M	69.8M	36.8M	63.8M	0.0	0.0	26.1M	15.7M	19.7M	10M	0.0	0.0
Total Current Assets	286.9M	202.5M	163M	172.9M	78M	36.7M	26.2M	68.9M	41.2M	69.8M	36.8M	63.8M	0.0	0.0	26.1M	15.7M	19.7M	10M	4M	15.1M
NON-CURRENT ASSETS
Property, Plant, and Equipment (Net)	27.2M	27.9M	22.6M	22.9M	27.7M	15.1M	9.5M	5M	4.6M	4.2M	4.3M	4.3M	2.7M	1.1M	962.1K	1.1M	826K	1.1M	1.2M	354K
Goodwill	110.9M	111.8M	37.8M	37.8M	36.8M	19.7M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	696.4K	0.0	0.0	0.0	0.0
Intangible Assets	18.5M	22.3M	1.2M	1.6M	2M	1.9M	0.0	18.9M	1.4M	1.5M	1.6M	1.8M	0.0	0.0	0.0	504.5K	0.0	0.0	465K	0.0
Goodwill & Intangible Assets	129.4M	134.1M	39M	39.4M	38.8M	21.6M	18.4M	18.9M	1.4M	1.5M	1.6M	1.8M	960.1K	1M	1.1M	1.2M	0.0	0.0	60K	0.0
Long-Term Investments	0.0	3.2B	2B	1.9B	1.5B	1.2B	671.3M	6.2M	3.3M	2.9M	2.5M	0.0	0.0	0.0	17.7M	8.4M	11.2M	771.8K	58.5M	40.7M
Tax Assets	29M	43.1M	11.1M	10.7M	5.1M	6.3M	0.0	3.1M	1.4M	1.6M	0.0	3.4M	1.6M	1.1M	725K	0.0	0.0	0.0	0.0	0.0
Other Non-Current Assets	-10.1M	465M	128.7M	94.4M	617.2M	275.8M	104.7M	666.9M	428.5M	345.1M	299.1M	245M	-5.2M	-3.2M	141.6M	153.5M	79.7M	87.5M	9.4M	9M
Total Non-Current Assets	175.6M	3.8B	2.2B	2.1B	2.2B	1.5B	803.9M	700.1M	439.1M	355.3M	307.5M	254.5M	0.0	0.0	162.2M	164.3M	91.8M	89.4M	68.9M	50.1M
Other Assets	3.6B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	202.1M	189.3M	0.0	0.0	0.0	0.0	0.0	0.0
Total Assets	4B	4B	2.4B	2.3B	2.3B	1.6B	833.3M	769M	480.3M	425.1M	344.3M	318.3M	202.1M	189.3M	188.2M	179.9M	111.5M	99.3M	73.1M	65.2M
LIABILITIES
CURRENT LIABILITIES
Total Payables	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	30K	0.0
Accounts Payable	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	30K	0.0
Accrued Expenses	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	30K	0.0
Short Term Debt	0.0	0.0	0.0	0.0	0.0	0.0	0.0	15M	20M	0.0	7.5M	0.0	12.5M	1M	0.0	0.0	0.0	0.0	0.0	0.0
Other Current Liabilities	1.2B	3.4B	1.9B	1.9B	2B	1.2B	671.9M	224.9M	174M	182.5M	181.9M	233.7M	-12.5M	-1M	163.5M	123M	55.2M	45M	49.5M	42M
Total Current Liabilities	1.2B	3.4B	1.9B	1.9B	2B	1.2B	671.9M	239.9M	194M	182.5M	189.4M	233.7M	0.0	0.0	163.5M	123M	55.2M	45M	49.6M	42M
NON-CURRENT LIABILITIES
Long Term Debt	52.8M	69.7M	102.9M	67.8M	20.4M	30.3M	30M	20M	0.0	0.0	0.0	0.0	0.0	0.0	1M	4M	4M	7M	0.0	0.0
Deferred Revenue (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	402.9M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Deferred Tax Liabilities (Non-Current)	0.0	0.0	0.0	0.0	0.0	0.0	0.0	1.1M	753K	971K	0.0	890K	228K	296K	235K	0.0	0.0	0.0	0.0	0.0
Other Non-Current Liabilities	-71.7M	33M	13.6M	12.8M	10.8M	175.8M	2.7M	3.8M	235.9M	196.9M	117.4M	50M	-228K	-296K	100K	33.6M	32.2M	30.2M	923K	439K
Total Non-Current Liabilities	0.0	121.1M	128.5M	91.7M	40.2M	215.4M	37.8M	427.7M	236.6M	197.9M	117.4M	50.9M	0.0	0.0	1.3M	37.6M	36.2M	37.2M	923K	439K
Other Liabilities	2.3B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	177.7M	166M	0.0	0.0	0.0	0.0	0.0	0.0
Capital Lease Obligations	18.9M	18.3M	12.1M	11.1M	9M	9.4M	5M	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Total Liabilities	3.5B	3.5B	2.1B	2B	2B	1.4B	712.8M	667.7M	430.6M	380.4M	306.8M	284.7M	177.7M	166M	164.9M	160.6M	91.3M	82.2M	50.5M	42.4M
SHAREHOLDERS' EQUITY
Preferred Stock	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	3.1M	3.1M	3M	3M	4.3M	4.2M	4.2M	0.0	0.0	0.0
Common Stock	442.4M	442.5M	222M	218.3M	214.2M	146.9M	103.2M	42M	26.1M	25.7M	21.5M	20.1M	16.3M	16.3M	16.3M	13.2M	13.2M	13.2M	13.2M	13.2M
Additional Paid-In Capital	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	13.3M	13.2M
Retained Earnings	135.8M	76M	70.6M	48.5M	32.4M	21.7M	17M	10.2M	4.9M	975.7K	-2M	-3.9M	-8M	-9.2M	-10.3M	-11.4M	-10.7M	-9.7M	-3.9M	-3.6M
Accumulated Other Comprehensive Income/Loss	-1.6M	-6.6M	-4.5M	-6.4M	-38K	295K	302.7K	-51.1K	-12.7K	-16.8K	-9.2K	12.2K	-7.5K	168.2K	4.7K	14.7K	25.4K	250.6K	72K	-12K
Other Total Stockholders' Equity	0.0	0.0	0.0	0.0	0.0	0.0	0.0	49.2M	18.7M	18M	15M	14.4M	13.1M	13M	13.1M	13.3M	13.4M	13.4M	0.0	-1K
Total Stockholders' Equity	576.6M	511.8M	288.2M	260.4M	246.5M	168.9M	120.5M	101.4M	49.7M	44.6M	37.5M	33.6M	24.4M	23.3M	23.3M	19.4M	20.2M	17.1M	22.6M	22.7M
Total Equity	576.6M	511.8M	288.2M	260.4M	246.5M	168.9M	120.5M	101.4M	49.7M	44.6M	37.5M	33.6M	24.4M	23.3M	23.3M	19.4M	20.2M	17.1M	22.6M	22.7M
SUMMARY
Total Liabilities & Equity	4B	4B	2.4B	2.3B	2.3B	1.6B	833.3M	769M	480.3M	425.1M	344.3M	318.3M	202.1M	189.3M	188.2M	179.9M	111.5M	99.3M	73.1M	65.2M
Total Investments	234.9M	3.3B	2.1B	2.1B	1.5B	1.2B	687.6M	6.2M	3.3M	2.9M	2.5M	0.0	0.0	0.0	17.7M	8.4M	11.2M	771.8K	58.5M	40.7M
Total Debt	71.7M	88M	115M	78.8M	29.4M	39.7M	35M	35M	20M	0.0	7.5M	0.0	12.5M	1M	1M	4M	4M	7M	0.0	0.0
Net Debt	19.7M	27.6M	82M	18.5M	7M	27.7M	25.1M	48.5M	27.4M	6.2M	7.5M	0.0	12.5M	1M	1M	4M	4M	7M	-3.5M	-15.1M
Shares Outstanding	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335	32,493,335

SEC Filings

BCAL - Filing history and reports

Filing Type	Filing Date	Period Ending	Fiscal Year	Actions
8-K 8-K 2026 N/A	May 28, 2026	May 27, 2026	2026	View Filing
10-Q 10-Q 2026 Q1 Q1	May 08, 2026	March 31, 2026	2026	View Filing
8-K 8-K 2026 N/A	May 05, 2026	May 04, 2026	2026	View Filing
8-K 8-K 2026 N/A	April 28, 2026	April 28, 2026	2026	View Filing
DEF 14A DEF 14A 2025 N/A	April 14, 2026	December 31, 2025	2025	View Filing
10-K 10-K 2025 FY FY	March 13, 2026	December 31, 2025	2025	View Filing
8-K 8-K 2026 N/A	March 12, 2026	March 12, 2026	2026	View Filing
8-K 8-K 2026 N/A	February 18, 2026	February 13, 2026	2026	View Filing
8-K 8-K 2026 N/A	January 28, 2026	January 28, 2026	2026	View Filing
8-K 8-K 2025 N/A	January 07, 2026	December 31, 2025	2025	View Filing

Showing 1 to 10 of 55 filings

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