BCAL - NASDAQ
Southern California Bancorp
$18.65
-2.9%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.
At a Glance
Live Snapshotbcal
Retained Earnings
Last Annual Value
135.81M
3-Year CAGR
41%
5-Year CAGR
44%
10-Year CAGR
53%
Southern California Bancorp Competitors Analysis of Retained Earnings
| Company | Retained Earnings | CAGR 3Y | CAGR 5Y | CAGR 10Y | |
|---|---|---|---|---|---|
 Southern California Bancorp NASDAQ:BCAL | 135.81M | 24.4% | 33.2% | 63.8% | |
 First Community Bankshares, Inc. NASDAQ:FCBC | 319.37M | -0.1% | 3.8% | 6.5% | |
 Southern Missouri Bancorp, Inc. NASDAQ:SMBC | 359.58M | 9.9% | 12.4% | 14.9% | |
 Customers Bancorp, Inc. NYSE:CUBI | 1.54B | 9.8% | 16.8% | 23.0% | |
 MetroCity Bankshares, Inc. NASDAQ:MCBS | 402.86M | 8.5% | 11.0% | 19.1% | |
 First Financial Corporation NASDAQ:THFF | 741.79M | 3.8% | 5.8% | 5.8% | |
 Independent Bank Corporation NASDAQ:IBCP | 252.79M | 16.7% | 27.7% | N/A | |
 Great Southern Bancorp, Inc. NASDAQ:GSBC | 614.10M | 2.5% | 2.4% | 4.3% | |
 South Plains Financial, Inc. NASDAQ:SPFI | 434.20M | 7.9% | 12.3% | N/A | |
 SmartFinancial, Inc. NASDAQ:SMBK | 203.82M | 5.6% | 11.5% | 28.3% | |
 Orrstown Financial Services, Inc. NASDAQ:ORRF | 186.75M | 16.6% | 18.9% | 32.0% |
Southern California Bancorp Fair Value Envelope
Related Guides
Continue your BCAL research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.