$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.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
BCAL • NASDAQ
| Southern California Bancorp Cash Flow Statement | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
63.1M | 5.4M | 25.9M | 16.1M | 10.7M | 4.7M | 6.8M | 5.3M | 4M | 3M | 1.9M | 4.1M | 1.2M | 1.1M | 1.1M | -678.5K | -967.7K | -5.8M | -268.7K | -1.6M | |
0.0 | 3.6M | 1.9M | 2M | 1.7M | 1.5M | 1.3M | 793.4K | 442.4K | 473.4K | 483.8K | 371.4K | 396.8K | 467.8K | 469.3K | 245.6K | 272.6K | 340.8K | 167.2K | 140.5K | |
0.0 | -426K | 418K | -2.6M | 137K | -2.1M | -162K | 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 | 6.2M | 4.5M | 3.7M | 5.5M | 2.7M | 600.7K | 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 | |
-10.1M | 14.7M | 2.1M | -3.8M | -6.9M | 4.8M | 11.3K | 268.3K | -1M | 102.4K | 95K | -3.3M | -900.2K | -324.5K | 265.7K | 973.4K | 143.5K | 5.1M | 5.5M | 605.3K | |
(9.8M) | (4.8M) | (12.4M) | (8M) | (1M) | (5.5M) | (3.5M) | (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) | |
4.3M | 20.7M | -1.8M | -2.1M | 8.4M | 782K | -128K | 1.1M | 355.8K | 364.8K | -728.8K | 407.3K | -163.7K | -88.5K | 179.9K | 50.9K | -438.8K | -106.1K | -1.2M | -82K | |
57.3M | 50.3M | 33.1M | 13.4M | 19.7M | 12.4M | 8.4M | 7.4M | 3.7M | 3.9M | 1.8M | 1.5M | 561.5K | 1.2M | 2M | 591.4K | -990.4K | -470.3K | 4.2M | -926K | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -552K | -302K | -1.1M | -1.8M | -1.8M | -1.2M | -654.1K | -694.8K | -4.3M | -605.8K | -97.9K | -1.9M | -515.5K | -146.2K | -410.6K | -36.4K | -264.7K | -642.6K | -24K | |
(0.0) | (336.3M) | (0.0) | (0.0) | (34M) | (37M) | (0.0) | -20.6M | (0.0) | (0.0) | (0.0) | (26.5M) | (0.0) | (0.0) | (0.0) | (3.7M) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -8.7M | -67.7M | -160.4M | -28.4M | -14.4M | -14.4K | -1.7M | -19M | -363.5K | -1M | -611K | -19.3K | (0.0) | -7.9M | -7.3M | -9.6M | -17.5M | -8.9M | -6.7M | |
17.3M | 30.9M | 48.3M | 33.7M | 8.4M | 14.8M | 9.3M | 2.3M | 1.8M | 2.3M | 2.4M | 6.7M | 3.9M | 6.1M | 2M | 4.3M | 12.5M | 5.6M | 14.8M | 214.2K | |
12.5M | 166.7M | -59.3M | -385M | -3.8M | -337.3M | -42.8M | -17.8M | -65.3M | -44.5M | -55M | -13.5M | -10M | -8.6M | 6.7M | -27.2M | -5.3M | -19.2M | -18.3M | -3.9M | |
(29.8M) | (524.7M) | -78.9M | -512.7M | (8.5M) | -301.7M | -34.7M | -38.5M | -83.2M | -46.9M | -54.2M | (19M) | -8M | -3.1M | (698.3K) | -26.8M | -2.4M | -31.3M | -13.1M | -10.4M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-5.9M | -2M | -889K | -574K | -3.7M | 40.6M | 11.4M | 25.1M | 801.2K | 3.9M | 1.9M | 5M | 0.0 | -1.2M | 3.1M | -739.0 | 4.2M | 10K | 10K | 18M | |
-38M | -85M | 35M | 46.9M | -213.9M | 126.5M | -5M | 15M | 20M | -7.5M | 7.5M | -15.2M | 0.0 | 0.0 | -3M | 0.0 | -3M | 7M | 0.0 | 0.0 | |
-3.3M | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | -222.1K | -222.1K | -214.8K | -72K | (0.0) | (0.0) | (0.0) | |
-6M | -2M | -889K | -574K | -3.7M | (0.0) | (0.0) | (0.0) | (0.0) | -2.8M | (0.0) | (0.0) | (0.0) | -1.2M | (0.0) | -739.0 | (0.0) | (0.0) | (0.0) | (0.0) | |
-28.1M | -186.6M | 11.7M | -40.2M | 518.6M | 282.2M | 44.1M | 17.7M | 30M | 79.3M | 15.9M | 25.3M | 11.7M | 1.4M | 6.9M | 23.4M | 13.2M | 23.4M | 7.5M | -321K | |
-75.3M | -273.6M | 45.9M | 6.1M | 301M | 449.3M | 50.5M | 57.8M | 50.8M | 75.6M | 25.3M | 15.1M | 11.7M | -14.6K | 6.8M | 23.1M | 14.3M | 30.4M | 7.5M | 17.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
11.8M | 301.4M | 33K | -493.2M | 329.2M | 160M | 24.2M | 26.8M | -28.7M | 32.7M | -27.2M | 35.6M | 4.3M | -1.9M | 9.5M | -3M | 10.9M | -1.4M | -1.4M | 6.4M | |
388.2M | 86.8M | 86.8M | 580M | 250.8M | 90.8M | 66.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 4.1M | |
399.9M | 388.2M | 86.8M | 86.8M | 580M | 250.8M | 90.8M | 26.8M | -28.7M | 32.7M | -27.2M | 35.6M | 4.3M | -1.9M | 9.5M | -3M | 10.9M | -1.4M | -1.4M | 10.5M | |
56.9M | 49.7M | 32.8M | 12.3M | 17.9M | 10.6M | 7.2M | 6.8M | 3M | -350.6K | 1.5M | 1.4M | -1.3M | 677.6K | 1.8M | 180.8K | -1M | -735K | 3.6M | -950K |
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 | |
10-Q 10-Q 2026 Q1 Q1 | May 08, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 05, 2026 | May 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2025 N/A | April 14, 2026 | December 31, 2025 | 2025 | |
10-K 10-K 2025 FY FY | March 13, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | March 12, 2026 | March 12, 2026 | 2026 | |
8-K 8-K 2026 N/A | February 18, 2026 | February 13, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 28, 2026 | January 28, 2026 | 2026 | |
8-K 8-K 2025 N/A | January 07, 2026 | December 31, 2025 | 2025 |
Continue your BCAL research with focused valuation guides.
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.