Profitability
Weight: 25%
B-
68
Scored using ROA (NIM proxy) — financial-archetype substitution.
- 5yr Avg ROA 0.6%
- Operating Margin Trend +1.79 pp/yr
BCAL
Southern California Bancorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 20%
D-
30
Scored using ROTCE — financial-archetype substitution.
- 5yr Avg ROTCE 5.4%
- 5yr Share-Count CAGR 21.7%
Growth Quality
Weight: 10%
A+
95
Scored using BVPS — financial-archetype substitution.
- 5yr BVPS CAGR 8.8%
- 5yr EPS CAGR 28.0%
- Positive-EPS Years (5) 5/5
Cash Generation
Weight: 5%
A
90
Scored using OCF/NI — banks have no FCF concept.
- 5yr OCF/NI 2.82x
Balance Sheet
Weight: 30%
B
71
Scored using Equity/Assets — financial-archetype substitution.
- Equity / Assets 14.3%
- Interest Coverage (EBIT/Int) 1.55x
Stability
Weight: 10%
C-
49
- EPS Volatility (σ/μ) 0.58
- Piotroski F-Score 4
- Negative-Revenue Years (5) 0/5
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 2 trimmed.
- Holders
- 2
- Avg Δ position
- -15.7%
- New buys
- 0
- Full exits
- 0