Southern California Bancorp (BCAL)

Southern California Bancorp, now known as California BanCorp, is the bank holding company for California Bank of Commerce, N.A. The company provides a range of banking and financial products to individuals, professionals, and small and medium-sized businesses in California. Its deposit products include checking, savings, money market accounts, and certificates of deposit. Lending activities cover business, consumer, and commercial real estate loans, along with construction and land development financing, commercial and industrial loans, SBA loans, lines of credit, home equity lines of credit, and letters of credit. California BanCorp also offers treasury management, merchant services, escrow and sub-accounting solutions, cash vault and sweep accounts, remote deposit capture, online and mobile banking, ACH origination, courier, and lockbox processing services. Founded in 2001 and headquartered in San Diego, California, the company serves a broad client base that includes businesses, business owners, trusts, associations, governmental authorities, and organizations across several sectors.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Payment Date Dividend Yield Next Earnings Date P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-BCAL
$21.31
-0.9% Downside
Fair
$24.50
14.0% Upside
Fair
Great
October 15, 2026
2.2%
November 3, 2026
11.5x
1.2x
3.8x
691.2 M
7.1%
72.6%
-1.4
16.2%
98.5%
Valuation • Fair Value

Southern California Bancorp (NASDAQ-BCAL) Fair Value by Valuation Model

Review the available estimates for Southern California Bancorp (NASDAQ-BCAL), including Ben Graham Formula Value, DDM Fair Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$21.31

Estimated downside of 0.9% versus the current market price.

Fair Value Confidence

High

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$20.77

Classic Ben Graham valuation formula reference.

DDM Fair Value

$22.21

Dividend discount model valuation reference.

Comps Fair Value

$20.71

Comparable-company valuation reference.

Analyst Price Target

$24.50

Analysts imply upside of 14.0%.

How to read these valuation models

Use the 6 available valuation references for Southern California Bancorp (NASDAQ-BCAL) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for Southern California Bancorp (NASDAQ-BCAL)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

184.3 M

Current operating scale indicator.

Revenue Forecast

182.3 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review Southern California Bancorp (NASDAQ-BCAL) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for Southern California Bancorp (NASDAQ-BCAL)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Great

Positive financial-health read.

Piotroski Score

7

Relatively strong quality score.

Altman Z-Score

-1.4

Lower score that deserves closer risk review.

FCF / Net Income

98.5%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for Southern California Bancorp (NASDAQ-BCAL). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Upcoming Events & Dividends for Southern California Bancorp (NASDAQ-BCAL)

Track the upcoming dates and dividend metrics currently supported by the latest data.

Next Earnings Date

November 3, 2026

Days to Earnings

42

Dividend Payment Date

October 15, 2026

Dividend Yield

2.2%

Current income yield reference.

Payout Ratio

16.2%

Dividend payout reference.

How to read events and dividends

This section helps investors track time-sensitive items for Southern California Bancorp (NASDAQ-BCAL), including the next earnings date and dividend-related milestones. These items can matter for short-term volatility, income planning and event-driven positioning.

Stock Forecast • Technical Outlook

Southern California Bancorp (NASDAQ-BCAL) Stock Forecast & Technical Outlook

Review Southern California Bancorp (NASDAQ-BCAL) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Sell

The 15-minute technical read for Southern California Bancorp (NASDAQ-BCAL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Sell

The 1-hour technical read for Southern California Bancorp (NASDAQ-BCAL) is currently Strong Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Sell

The daily technical read for Southern California Bancorp (NASDAQ-BCAL) is currently Sell. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for Southern California Bancorp (NASDAQ-BCAL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for Southern California Bancorp (NASDAQ-BCAL) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for Southern California Bancorp (NASDAQ-BCAL)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, Southern California Bancorp (NASDAQ-BCAL) has a Strong Buy consensus, with 2 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 2
Hold 0
Sell 0
FAQ Fast Investor Answers

Southern California Bancorp (NASDAQ-BCAL) Stock FAQ

Data-supported answers about Southern California Bancorp (NASDAQ-BCAL), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$21.31
Estimated downside 0.9%
Valuation Rating
Near Fair Value
Price is close to fair value
Analyst Target
$24.50
Implied upside 14.0%
Financial Health
Great
Current financial-health read

The current fair value estimate for Southern California Bancorp (NASDAQ-BCAL) is $21.31. This implies an estimated downside of 0.9% versus the current market price.

Based on the current fair value estimate, the stock is trading close to its estimated fair value.

The available analyst price target for Southern California Bancorp (NASDAQ-BCAL) is $24.50. The analyst target implies estimated upside of 14.0%.

The current financial health read for Southern California Bancorp (NASDAQ-BCAL) is Great. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

The next earnings date currently listed for Southern California Bancorp (NASDAQ-BCAL) is November 3, 2026.

Based on the current data, dividend yield is 2.2%, payment date is October 15, 2026.

The current P/E ratio listed for Southern California Bancorp (NASDAQ-BCAL) is 11.5x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for Southern California Bancorp is 691.2 M.

The ticker symbol for Southern California Bancorp is NASDAQ-BCAL, and the stock is listed on NASDAQ.

Southern California Bancorp (NASDAQ-BCAL) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for Southern California Bancorp is 7.1%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for Southern California Bancorp is 72.6%. Free float helps investors understand how much of the share base is available for public trading.