/BCAL

BCAL Stock - Southern California Bancorp

Q: What is the analyst price target for BCAL?

Analyst price target information is not currently available for BCAL.

Q: What is BCAL's market cap?

Market capitalization information is not currently available for BCAL.

Financial Services|Banks - Regional|NASDAQ

$18.16-0.25%

$0.04 (-0.25%) • Jan 13

GoAI Score

Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.

BUY

Medium Confidence

Momentum

Momentum Score

Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.

Sentiment

Sentiment Score

Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).

Risk Score

Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.

100

Price Target

Average analyst price target from the last quarter. Shows expected upside/downside from current price.

+15.7%upside

Target: $21.01

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Financial Statements

Revenue & Profitability Trend

FY2020

FY2021

FY2022

FY2023

FY2024

← Swipe to see more →

Revenue

Net Income (Profit)

Net Loss

Key Metrics

Market CapN/A

P/E RatioN/A

Beta0.27

52W High$20.47

52W Low$11.87

Avg VolumeN/A

Income Statement (Fiscal Year)

Metric	FY2024	FY2023	FY2022	FY2021	FY2020
Revenue	$184.58M	$126.90M	$98.02M	$71.56M	$54.20M
Gross Profit	$106.07M	$96.60M	$86.27M	$67.00M	$43.78M
Gross Margin	57.5%	76.1%	88.0%	93.6%	80.8%
Operating Income	$8.26M	$36.86M	$21.98M	$14.19M	$6.77M
Net Income	$5.43M	$25.91M	$16.11M	$10.71M	$4.72M
Net Margin	2.9%	20.4%	16.4%	15.0%	8.7%
EPS	$0.22	$1.42	$0.90	$0.74	$0.50

Company 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.

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Rating Distribution

Strong Buy

Buy / Outperform

Hold / Neutral

Sell / Underperform

Analyst Consensus🔴 Bearish

0 Bullish0 Neutral/Bearish

Price Targets

$19

Average Target

↑ 4.7% Upside

Now

$19

Low

$19

Average

$19

High

Based on 1 analyst

Recent Analyst Actions

Date	Firm	Action	Rating	Price Target
August 4th 2025	Stephens	Upgrade	Overweight	$19

Earnings History & Surprises

BCAL

Beat Rate

40%

Last 10 quarters

Avg Surprise

+51.6%

EPS vs Estimate

Beats / Misses

4/4

2 met exactly

Latest EPS

$0.48

Q4 2025

EPS Surprise History

Q1 24

-20.0%

$0.24vs$0.30

Q2 24

0.0%

$0.26vs$0.26

Q3 24

-88.9%

$0.03vs$0.27

Q4 24

+560.0%

$0.33vs$0.05

Q1 25

+20.5%

$0.53vs$0.44

Q2 25

+36.8%

$0.52vs$0.38

Q3 25

0.0%

$0.43vs$0.43

Q4 25

+23.1%

$0.48vs$0.39

Beat Estimate

Missed Estimate

Quarterly EPS Details

Period	Report Date	Estimated EPS	Actual EPS	Surprise	Result
Q2 2026	Apr 22, 2026	—	—	—	—
Q1 2026	Feb 4, 2026	$0.44	—	—	—
Q4 2025	Oct 28, 2025	$0.39	$0.48	+23.1%	✓ BEAT
Q3 2025	Jul 28, 2025	$0.43	$0.43	0.0%	= MET
Q2 2025	Apr 24, 2025	$0.38	$0.52	+36.8%	✓ BEAT
Q1 2025	Jan 29, 2025	$0.44	$0.53	+20.5%	✓ BEAT
Q4 2024	Oct 29, 2024	$0.05	$0.33	+560.0%	✓ BEAT
Q3 2024	Aug 12, 2024	$0.27	$0.03	-88.9%	✗ MISS
Q2 2024	Apr 29, 2024	$0.26	$0.26	0.0%	= MET
Q1 2024	Mar 15, 2024	$0.30	$0.24	-20.0%	✗ MISS
Q4 2023	Oct 26, 2023	$0.37	$0.35	-5.4%	✗ MISS
Q3 2023	Sep 19, 2023	$0.40	$0.36	-10.0%	✗ MISS
Q2 2023	Jun 20, 2023	—	$0.44	—	—
Q4 2022	Dec 30, 2022	—	$0.46	—	—
Q3 2022	Sep 30, 2022	—	$0.38	—	—
Q2 2022	Jun 30, 2022	—	$-0.04	—	—
Q1 2022	Mar 31, 2022	—	$0.08	—	—
Q4 2021	Dec 30, 2021	—	$0.20	—	—
Q3 2021	Sep 29, 2021	—	$0.25	—	—
Q2 2021	Jun 29, 2021	—	$0.17	—	—

Frequently Asked Questions about BCAL

What is BCAL's current stock price?

Southern California Bancorp (BCAL) is currently trading at $18.16 per share. The stock has moved -0.25% today.

What is the analyst price target for BCAL?

The average analyst price target for BCAL is $21.00, based on 1 analyst.

What sector is Southern California Bancorp in?

Southern California Bancorp operates in the Financial Services sector, specifically within the Banks - Regional industry. The company is traded on the NASDAQ exchange.

What is BCAL's market cap?

Southern California Bancorp has a market capitalization of $0.59 billion, making it a small-cap company.

Does BCAL pay dividends?

No, Southern California Bancorp does not currently pay a dividend to shareholders.