BCAL - Southern California Bancorp
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$22.00
DETAILS
HIGH:
$22.00
LOW:
$22.00
MEDIAN:
$22.00
CONSENSUS:
$22.00
UPSIDE:
15.67%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||
| Revenue | 233.0 | 184.6 | 126.9 | 98.0 | 71.6 | 54.2 | 39.7 | 31.3 | 21.5 | 18.2 | 15.3 | 12.2 | 9.3 | 9.5 | 10.1 | 7.3 | 5.9 | 5.2 | 5.7 | 4.1 | 3.6 | 2.1 | 1.3 | 0.7 |
| Cost of Revenue | 48.1 | 78.5 | 30.3 | 11.7 | 4.6 | 10.4 | 7.8 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.4 | 1.8 | 1.4 | 0.5 | 0.3 | 0.2 |
| Gross Profit | 184.9 | 106.1 | 96.6 | 86.3 | 67.0 | 43.8 | 31.8 | 31.3 | 21.5 | 18.2 | 15.3 | 12.2 | 9.3 | 9.5 | 10.1 | 7.3 | 5.9 | 5.2 | 4.3 | 2.3 | 2.2 | 1.6 | 1.1 | 0.5 |
| Operating Expenses | ||||||||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 70.9 | 51.3 | 40.1 | 38.0 | 35.5 | 22.8 | 12.7 | 9.4 | 7.2 | 5.8 | 6.5 | 4.6 | 3.4 | 2.9 | 4.2 | 3.6 | 3.7 | 2.8 | 2.6 | 2.4 | 1.5 | 0 | 0 | 0 |
| Other Expenses | 26.1 | 46.6 | 19.6 | 26.3 | 17.3 | 14.2 | 9.4 | (4.7) | (3.6) | (2.9) | (3.3) | (2.3) | (1.7) | (1.5) | (2.1) | (1.8) | (1.8) | (1.4) | 2.0 | 1.5 | 1.2 | 1.6 | 1.4 | 1.2 |
| Operating Expenses | 97.0 | 97.8 | 59.7 | 64.3 | 52.8 | 37.0 | 22.1 | 4.7 | 3.6 | 2.9 | 3.3 | 2.3 | 1.7 | 1.5 | 2.1 | 1.8 | 1.8 | 1.4 | 4.6 | 3.9 | 2.7 | 1.6 | 1.4 | 1.2 |
| Operating Income | ||||||||||||||||||||||||
| Operating Income | 88.0 | 8.3 | 36.9 | 22.0 | 14.2 | 6.8 | 9.7 | 0.6 | 17.9 | 5.2 | 3.5 | 3.2 | 0.8 | 0.8 | 0.7 | (0.7) | (1.0) | (5.6) | (0.3) | (1.6) | (0.5) | 0 | (0.4) | (0.7) |
| Interest Expense | 56.9 | 56.8 | 29.4 | 5.8 | 3.4 | 5.9 | 6.8 | 0.1 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.1 | 0.0 | 1.4 | 1.3 | 1.1 | 0.4 | 0.2 | 0.1 |
| Interest Income | 226.0 | 179.8 | 123.5 | 93.6 | 67.8 | 51.8 | 37.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 4.9 | 3.8 | 3.2 | 1.7 | 1.2 | 0.6 |
| Profitability | ||||||||||||||||||||||||
| EBITDA | 88.0 | 11.9 | 38.8 | 24.0 | 15.9 | 8.2 | 11.0 | 8.3 | 7.4 | 5.5 | 3.7 | 3.3 | 1.2 | 1.2 | 1.2 | (0.4) | (0.7) | (5.5) | (0.3) | (1.4) | (0.4) | 0 | (0.4) | (0.7) |
| EBIT | 88.0 | 8.3 | 36.9 | 22.0 | 14.2 | 6.8 | 9.7 | 7.5 | 7.0 | 5.1 | 3.2 | 2.9 | 0.8 | 0.8 | 0.7 | (0.7) | (1.0) | (5.8) | (0.3) | (1.6) | (0.5) | 0 | (0.4) | (0.7) |
| Income Before Tax | 88.0 | 8.3 | 36.9 | 22.0 | 14.2 | 6.8 | 9.7 | 7.5 | 7.0 | 5.1 | 3.2 | 2.9 | 0.8 | 0.8 | 0.7 | (0.7) | (1.0) | (5.8) | (0.3) | (1.6) | (0.5) | 0 | (0.4) | (0.7) |
| Income Tax Expense | 24.9 | 2.8 | 10.9 | 5.9 | 3.5 | 2.0 | 2.9 | 2.3 | 3.0 | 2.1 | 1.3 | (1.1) | (0.4) | (0.4) | (0.4) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0 | 0.0 | 0.0 |
| Net Income | 63.1 | 5.4 | 25.9 | 16.1 | 10.7 | 4.7 | 6.8 | 5.3 | 4.0 | 3.0 | 1.9 | 4.1 | 1.2 | 1.1 | 1.1 | (0.7) | (1.0) | (5.8) | (0.3) | (1.6) | (0.5) | 0.1 | (0.4) | (0.7) |
| Per Share Data | ||||||||||||||||||||||||
| EPS (Basic) | 1.95 | 0.22 | 1.42 | 0.90 | 0.74 | 0.50 | 0.80 | 0.74 | 0.76 | 0.69 | 0.45 | 1.21 | 0.38 | 0.33 | 0.28 | -0.26 | -0.37 | -2.19 | -0.10 | -1.15 | -0.63 | 0.08 | -0.55 | -1.07 |
| EPS (Diluted) | 1.93 | 0.22 | 1.39 | 0.88 | 0.72 | 0.49 | 0.78 | 0.71 | 0.74 | 0.69 | 0.45 | 1.21 | 0.38 | 0.33 | 0.28 | -0.26 | -0.37 | -2.19 | -0.10 | -1.15 | -0.63 | 0.08 | -0.55 | -1.07 |
| Shares Outstanding | 32.7 | 24.2 | 18.2 | 17.8 | 14.4 | 9.5 | 8.5 | 7.1 | 5.2 | 4.3 | 4.3 | 3.4 | 3.3 | 3.3 | 3.0 | 2.6 | 2.6 | 2.6 | 7 | 1.4 | 0.8 | 0.7 | 0.7 | 0.7 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2009 | 2008 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | |||||||||||||||
| Cash & Cash Equivalents | 52.0 | 60.5 | 33.0 | 60.3 | 22.4 | 12.0 | 9.9 | (13.5) | (7.4) | (6.2) | 0 | 0 | 5.7 | 6.9 | 2.6 |
| Short-Term Investments | 234.9 | 142.0 | 130.0 | 112.6 | 55.6 | 24.7 | 16.3 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Receivables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 68.9 | 41.2 | 69.8 | 19.7 | 10.0 | 0 | 0 | 0 |
| Total Current Assets | 286.9 | 202.5 | 163.0 | 172.9 | 78.0 | 36.7 | 26.2 | 68.9 | 41.2 | 69.8 | 19.7 | 10.0 | 5.7 | 6.9 | 2.6 |
| Non-Current Assets | |||||||||||||||
| Property, Plant & Equipment | 27.2 | 27.9 | 22.6 | 22.9 | 27.7 | 15.1 | 9.5 | 5.0 | 4.6 | 4.2 | 0.8 | 1.1 | 0.3 | 0.2 | 0.2 |
| Goodwill | 110.9 | 111.8 | 37.8 | 37.8 | 36.8 | 19.7 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 18.5 | 22.3 | 1.2 | 1.6 | 2.0 | 1.9 | 0 | 18.9 | 1.4 | 1.5 | 0 | 0 | 0 | 0 | 0 |
| Long-Term Investments | 0 | 3,159.1 | 1,995.8 | 1,943.6 | 1,493.1 | 1,223.6 | 671.3 | 6.2 | 3.3 | 2.9 | 11.2 | 0.8 | 33.1 | 13.7 | 11.8 |
| Other Non-Current Assets | (10.1) | 465.0 | 128.7 | 94.4 | 617.2 | 275.8 | 104.7 | 666.9 | 428.5 | 345.1 | 79.7 | 87.5 | 0.4 | 5.3 | 3.0 |
| Total Non-Current Assets | 175.6 | 3,829.2 | 2,197.2 | 2,111.1 | 2,181.9 | 1,542.4 | 803.9 | 700.1 | 439.1 | 355.3 | 91.8 | 89.4 | 33.7 | 19.2 | 15.1 |
| Total Assets | 4,033.4 | 4,031.7 | 2,360.3 | 2,283.9 | 2,265.7 | 1,579.0 | 833.3 | 769.0 | 480.3 | 425.1 | 111.5 | 99.3 | 39.4 | 26.1 | 17.7 |
| Current Liabilities | |||||||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 15 | 20 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 1,178.3 | 3,398.8 | 1,943.6 | 1,931.9 | 1,973.1 | 1,194.7 | 671.9 | 224.9 | 174.0 | 182.5 | 55.2 | 45.0 | 31.9 | 20.7 | 11.9 |
| Total Current Liabilities | 1,178.3 | 3,398.8 | 1,943.6 | 1,931.9 | 1,973.1 | 1,194.7 | 671.9 | 239.9 | 194.0 | 182.5 | 55.2 | 45.0 | 31.9 | 20.7 | 11.9 |
| Non-Current Liabilities | |||||||||||||||
| Long-Term Debt | 52.8 | 69.7 | 102.9 | 67.8 | 20.4 | 30.3 | 30 | 20 | 0 | 0 | 4 | 7 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1.1 | 0.8 | 1.0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | (71.7) | 33.0 | 13.6 | 12.8 | 10.8 | 175.8 | 2.7 | 3.8 | 235.9 | 196.9 | 32.2 | 30.2 | 0.8 | 0.1 | 0.0 |
| Total Non-Current Liabilities | 0 | 121.1 | 128.5 | 91.7 | 40.2 | 215.4 | 37.8 | 427.7 | 236.6 | 197.9 | 36.2 | 37.2 | 0.8 | 0.1 | 0.0 |
| Total Liabilities | 3,456.8 | 3,519.8 | 2,072.1 | 2,023.6 | 2,019.2 | 1,410.2 | 712.8 | 667.7 | 430.6 | 380.4 | 91.3 | 82.2 | 32.7 | 20.7 | 11.9 |
| Stockholders' Equity | |||||||||||||||
| Common Stock | 442.4 | 442.5 | 222.0 | 218.3 | 214.2 | 146.9 | 103.2 | 42.0 | 26.1 | 25.7 | 13.2 | 13.2 | 4.2 | 3.5 | 3.5 |
| Retained Earnings | 135.8 | 76.0 | 70.6 | 48.5 | 32.4 | 21.7 | 17.0 | 10.2 | 4.9 | 1.0 | (10.7) | (9.7) | (1.5) | (1.6) | (1.2) |
| Accumulated Other Comprehensive Income | (1.6) | (6.6) | (4.5) | (6.4) | (0.0) | 0.3 | 0.3 | (0.1) | (0.0) | (0.0) | 0.0 | 0.3 | (0.0) | (0.0) | 0.0 |
| Total Stockholders' Equity | 576.6 | 511.8 | 288.2 | 260.4 | 246.5 | 168.9 | 120.5 | 101.4 | 49.7 | 44.6 | 20.2 | 17.1 | 6.7 | 5.4 | 5.7 |
| Total Liabilities & Equity | 4,033.4 | 4,031.7 | 2,360.3 | 2,283.9 | 2,259.9 | 1,579.0 | 833.3 | 769.0 | 480.3 | 425.1 | 111.5 | 99.3 | 39.4 | 26.1 | 17.7 |
| Debt Metrics | |||||||||||||||
| Total Debt | 71.7 | 88.0 | 115.0 | 78.8 | 29.4 | 39.7 | 35.0 | 35 | 20 | 0 | 4 | 7 | 0 | 0 | 0 |
| Net Debt | 19.7 | 27.6 | 82.0 | 18.5 | 7.0 | 27.7 | 25.1 | 48.5 | 27.4 | 6.2 | 4 | 7 | (5.7) | (6.9) | (2.6) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2005 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Net Income | 63.1 | 5.4 | 25.9 | 16.1 | 10.7 | 4.7 | 6.8 | 5.3 | 4.0 | 3.0 | (0.5) |
| Depreciation & Amortization | 0 | 3.6 | 1.9 | 2.0 | 1.7 | 1.5 | 1.3 | 0.8 | 0.4 | 0.5 | 0.1 |
| Stock-Based Compensation | 0 | 6.2 | 4.5 | 3.7 | 5.5 | 2.7 | 0.6 | 0 | 0 | 0 | 0 |
| Change in Working Capital | 4.3 | 20.7 | (1.8) | (2.1) | 8.4 | 0.8 | (0.1) | 1.1 | 0.4 | 0.4 | (0.0) |
| Other Non-Cash Items | (10.1) | 14.7 | 2.1 | (3.8) | (6.9) | 4.8 | 0.0 | 0.3 | (1.0) | 0.1 | 0.2 |
| Operating Cash Flow | 57.3 | 50.3 | 33.1 | 13.4 | 19.7 | 12.4 | 8.4 | 7.4 | 3.7 | 3.9 | (0.2) |
| Investing Activities | |||||||||||
| Capital Expenditure | (0.3) | (0.6) | (0.3) | (1.1) | (1.8) | (1.8) | (1.2) | (0.7) | (0.7) | (4.3) | (0.3) |
| Acquisitions | 0 | 336.3 | 0 | 0 | 34.0 | 37.0 | 0 | (20.6) | 0 | 0 | 0 |
| Purchases of Investments | 0 | (8.7) | (67.7) | (160.4) | (28.4) | (14.4) | (0.0) | (1.7) | (19.0) | (0.4) | (0.1) |
| Sales/Maturities of Investments | 17.3 | 30.9 | 48.3 | 33.7 | 8.4 | 14.8 | 9.3 | 2.3 | 1.8 | 2.3 | 0.2 |
| Other Investing Activities | 12.5 | 166.7 | (59.3) | (385.0) | (3.8) | (337.3) | (42.8) | (17.8) | (65.3) | (44.5) | (6.2) |
| Investing Cash Flow | 29.8 | 524.7 | (78.9) | (512.7) | 8.5 | (301.7) | (34.7) | (38.5) | (83.2) | (46.9) | (6.4) |
| Financing Activities | |||||||||||
| Net Debt Issuance | (38) | (85) | 35 | 46.9 | (213.9) | 126.5 | (5) | 15 | 20 | (7.5) | (0.7) |
| Stock Repurchased | (6.0) | (2.0) | (0.9) | (0.6) | (3.7) | 0 | 0 | 0 | 0 | (2.8) | 0 |
| Dividends Paid | (3.3) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | (28.1) | (186.6) | 11.7 | (40.2) | 518.6 | 282.2 | 44.1 | 17.7 | 30.0 | 79.3 | 10.5 |
| Financing Cash Flow | (75.3) | (273.6) | 45.9 | 6.1 | 301.0 | 449.3 | 50.5 | 57.8 | 50.8 | 75.6 | 9.8 |
| Cash Position | |||||||||||
| Net Change in Cash | 11.8 | 301.4 | 0.0 | (493.2) | 329.2 | 160.0 | 24.2 | 26.8 | (28.7) | 32.7 | 3.2 |
| Cash at Beginning | 388.2 | 86.8 | 86.8 | 580.0 | 250.8 | 90.8 | 66.7 | 0 | 0 | 0 | 0.9 |
| Cash at End | 399.9 | 388.2 | 86.8 | 86.8 | 580.0 | 250.8 | 90.8 | 26.8 | (28.7) | 32.7 | 4.1 |
| Free Cash Flow | 56.9 | 49.7 | 32.8 | 12.3 | 17.9 | 10.6 | 7.2 | 6.8 | 3.0 | (0.4) | (0.5) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||||||||||||||
| Revenue | 233.0 | 184.6 | 126.9 | 98.0 | 71.6 | 54.2 | 39.7 | 31.3 | 21.5 | 18.2 | 15.3 | 12.2 | 9.3 | 9.5 | 10.1 | 7.3 | 5.9 | 5.2 | 5.7 | 4.1 | 3.6 | 2.1 | 1.3 | 0.7 |
| Gross Profit | 184.9 | 106.1 | 96.6 | 86.3 | 67.0 | 43.8 | 31.8 | 31.3 | 21.5 | 18.2 | 15.3 | 12.2 | 9.3 | 9.5 | 10.1 | 7.3 | 5.9 | 5.2 | 4.3 | 2.3 | 2.2 | 1.6 | 1.1 | 0.5 |
| Operating Income | 88.0 | 8.3 | 36.9 | 22.0 | 14.2 | 6.8 | 9.7 | 0.6 | 17.9 | 5.2 | 3.5 | 3.2 | 0.8 | 0.8 | 0.7 | (0.7) | (1.0) | (5.6) | (0.3) | (1.6) | (0.5) | 0 | (0.4) | (0.7) |
| Net Income | 63.1 | 5.4 | 25.9 | 16.1 | 10.7 | 4.7 | 6.8 | 5.3 | 4.0 | 3.0 | 1.9 | 4.1 | 1.2 | 1.1 | 1.1 | (0.7) | (1.0) | (5.8) | (0.3) | (1.6) | (0.5) | 0.1 | (0.4) | (0.7) |
| EPS (Diluted) | 1.93 | 0.22 | 1.39 | 0.88 | 0.72 | 0.49 | 0.78 | 0.71 | 0.74 | 0.69 | 0.45 | 1.21 | 0.38 | 0.33 | 0.28 | -0.26 | -0.37 | -2.19 | -0.10 | -1.15 | -0.63 | 0.08 | -0.55 | -1.07 |
| Balance Sheet | ||||||||||||||||||||||||
| Cash & Equivalents | 52.0 | 60.5 | 33.0 | 60.3 | 22.4 | 12.0 | 9.9 | (13.5) | (7.4) | (6.2) | 0 | 0 | 5.7 | 6.9 | 2.6 | |||||||||
| Total Assets | 4,033.4 | 4,031.7 | 2,360.3 | 2,283.9 | 2,265.7 | 1,579.0 | 833.3 | 769.0 | 480.3 | 425.1 | 111.5 | 99.3 | 39.4 | 26.1 | 17.7 | |||||||||
| Total Debt | 71.7 | 88.0 | 115.0 | 78.8 | 29.4 | 39.7 | 35.0 | 35 | 20 | 0 | 4 | 7 | 0 | 0 | 0 | |||||||||
| Stockholders' Equity | 576.6 | 511.8 | 288.2 | 260.4 | 246.5 | 168.9 | 120.5 | 101.4 | 49.7 | 44.6 | 20.2 | 17.1 | 6.7 | 5.4 | 5.7 | |||||||||
| Cash Flow | ||||||||||||||||||||||||
| Operating Cash Flow | 57.3 | 50.3 | 33.1 | 13.4 | 19.7 | 12.4 | 8.4 | 7.4 | 3.7 | 3.9 | (0.2) | |||||||||||||
| Capital Expenditure | (0.3) | (0.6) | (0.3) | (1.1) | (1.8) | (1.8) | (1.2) | (0.7) | (0.7) | (4.3) | (0.3) | |||||||||||||
| Free Cash Flow | 56.9 | 49.7 | 32.8 | 12.3 | 17.9 | 10.6 | 7.2 | 6.8 | 3.0 | (0.4) | (0.5) | |||||||||||||