YOLFTbeta
Southern California Bancorp

Southern California Bancorp

BCAL · NASDAQ · Financial Services / Banks - Regional

21.97USD-0.08 (-0.36%)

Price History

Full chart

Market Stats

Previous Close22.05
Open22.07
Day Range21.84 – 22.07
52-Week Range15.51 – 22.29
Volume179.28K
Market Cap694.13M
P/E (TTM)11.67
Forward P/E0.00
EPS1.85
Dividend Yield2.22%
Beta0.29
50-Day Avg21.46
200-Day Avg19.54

About

California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. David I. Rainer
  • Employees297
  • Headquarters12265 El Camino Real, San Diego, CA, United States, 92130, USA
  • Websitehttps://www.californiabankofcommerce.com

Leadership

  • Mr. David I. RainerExecutive Chairman & CEO · b. 1957
  • Mr. Richard HernandezPresident · b. 1975
  • Mr. Thomas G. DolanExecutive VP & CFO · b. 1960
  • Mr. Steven E. SheltonAdvisor · b. 1961
  • Ms. Michele M. WirfelExecutive VP & COO · b. 1968
  • Ms. Joann YeungExecutive VP & Principal Accounting Officer · b. 1975
  • Mr. Jeffery T. HurtikExecutive VP & Chief Information Officer
  • Ms. Manisha K. MerchantExecutive VP, Chief Legal Officer & Corporate Secretary · b. 1976
  • Mr. Christopher D. MaggioSenior VP & Credit Team Manager

Financials

Income Statement

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue572.73K1.12M1.75M3.59M4.07M4.30M5.23M5.91M7.27M10.09M9.48M9.25M12.21M15.33M18.21M21.50M31.33M39.65M54.20M71.56M98.02M126.90M184.58M237.07M
Growth (%)-+95.85%+56.42%+104.84%+13.16%+5.66%+21.63%+12.99%+23.11%+38.75%-6.06%-2.35%+31.98%+25.53%+18.78%+18.08%+45.71%+26.55%+36.70%+32.03%+36.96%+29.47%+45.45%+28.44%
Cost of Revenue237.82K281.61K510.70K1.39M1.78M1.42M------000007.84M10.42M4.56M11.74M30.30M78.50M48.06M
Gross Profit572.73K1.12M1.75M2.20M2.28M4.30M5.23M5.91M7.27M10.09M9.48M9.25M12.21M15.33M18.21M21.50M31.33M31.81M43.78M67.00M86.27M96.60M106.07M189.00M
Gross Margin100.00%100.00%100.00%61.31%56.16%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%80.22%80.77%93.63%88.02%76.12%57.47%79.73%
Operating Expense1.32M1.50M1.69M2.73M3.87M4.57M10.84M6.87M7.95M9.35M8.72M8.46M9.06M11.87M13.04M3.59M30.70M22.13M37.01M52.82M64.29M59.75M97.81M101.04M
Operating Income-748.03K-382.18K60.78K-522.87K-1.59M-268.00K-5.61M-960.48K-677.70K738.31K760.28K798.07K3.15M3.46M5.17M17.91M632.26K9.68M6.77M14.19M21.98M36.86M8.26M87.96M
Operating Margin-130.61%-34.07%3.46%-14.55%-39.07%-6.24%-107.43%-16.26%-9.32%7.32%8.02%8.62%25.81%22.55%28.39%83.31%2.02%24.42%12.49%19.82%22.43%29.04%4.48%37.10%
EBITDA-625.22K-382.18K60.78K-388.08K-1.45M-268.00K-5.45M-694.22K-432.09K1.21M1.23M1.19M3.30M3.71M5.54M7.41M8.33M10.96M8.22M15.91M23.98M38.77M11.90M93.57M
EBITDA Margin-109.16%-34.07%3.46%-10.80%-35.60%-6.24%-104.29%-11.76%-5.94%11.97%12.96%12.91%27.03%24.19%30.44%34.46%26.57%27.65%15.17%22.23%24.47%30.56%6.45%39.47%
Net Income-748.83K-382.98K60.78K-523.67K-1.59M-269.00K-5.79M-967.66K-678.50K1.06M1.14M1.23M4.07M1.91M3.01M3.96M5.26M6.77M4.72M10.71M16.11M25.91M5.43M63.06M
Net Income Margin-130.75%-34.14%3.46%-14.57%-39.10%-6.26%-110.82%-16.39%-9.33%10.51%12.01%13.28%33.32%12.47%16.53%18.44%16.78%17.08%8.71%14.96%16.44%20.42%2.94%26.60%
R&D------------00000-------
R&D as % of Total Revenue------------0.00%0.00%0.00%0.00%0.00%-------
Interest Expense122.82K216.61K364.70K1.14M1.26M1.42M9.70K50.31K58.86K48.61K15.71K15.72K1.90K558.15K2.32K104.06K6.84M5.87M3.36M5.79M29.38M56.81M56.89M
Interest Expense % of Total Revenue21.44%19.31%20.79%31.60%30.96%33.00%0.19%0.85%0.81%0.48%0.17%0.17%0.02%0.00%0.04%0.01%0.33%17.26%10.83%4.70%5.91%23.16%30.78%24.00%

Balance Sheet

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets17.66M26.10M39.39M48.74M65.16M73.14M99.33M111.50M179.95M188.21M189.32M202.11M318.27M344.33M425.05M480.26M769.01M833.29M1.58B2.27B2.28B2.36B4.03B4.03B
Total Liabilities11.91M20.75M32.65M42.55M42.45M50.50M82.18M91.32M160.60M164.86M166.01M177.66M284.66M306.82M380.43M430.57M667.65M712.77M1.41B2.02B2.02B2.07B3.52B3.46B
Total Equity5.75M5.36M6.73M6.20M22.72M22.64M17.15M20.18M19.35M23.35M23.32M24.45M33.60M37.51M44.62M49.70M101.36M120.52M168.88M246.53M260.36M288.15M511.84M576.59M
Cash2.58M6.89M5.65M9.61M15.05M3.53M------526.52K35.85M-6.20M-7.38M-13.53M9.90M11.95M22.43M60.30M33.01M60.47M52.01M
Total Debt------7.00M4.00M4.00M1.00M1.00M12.50M-7.50M-20.00M35.00M35.02M39.66M29.41M78.83M114.98M88.03M71.70M
Net Debt-2.58M-6.89M-5.65M-9.61M-15.05M-3.53M7.00M4.00M4.00M1.00M1.00M12.50M-7.50M6.20M27.38M48.53M25.12M27.71M6.98M18.53M81.97M27.56M19.69M

Cash Flow

Currency: USD2002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow----198.69K-926.00K4.24M-470.27K-990.37K591.41K1.97M1.19M561.49K1.53M1.76M3.95M3.73M7.43M8.37M12.36M19.65M13.35M33.10M50.29M57.29M
Investing Cash Flow----6.41M-10.45M-13.15M-31.35M-2.44M-26.78M698.30K-3.05M-8.00M19.02M-54.18M-46.87M-83.18M-38.45M-34.73M-301.69M8.52M-512.70M-78.93M524.65M29.75M
Financing Cash Flow---9.79M17.72M7.52M30.44M14.30M23.14M6.78M-14.60K11.70M15.09M25.25M75.64M50.76M57.81M50.53M449.30M301.01M6.10M45.86M-273.58M-75.29M
Capital Expenditure000311.69K24.00K642.65K264.70K36.43K410.60K146.15K515.49K1.87M97.87K280.82K4.30M694.83K654.07K1.21M1.77M1.75M1.08M302.00K552.00K346.00K
Free Cash Flow----510.38K-950.00K3.60M-734.97K-1.03M180.81K1.83M677.57K-1.31M1.43M1.48M-350.65K3.03M6.78M7.17M10.59M17.90M12.27M32.80M49.74M56.94M
Dividends Paid-------71.99K214.80K222.14K222.14K-00000---93.81M11.49M03.25M
FCF to OCF---256.87%102.59%84.85%156.29%103.68%30.57%92.60%56.79%-233.87%93.60%84.06%-8.88%81.36%91.20%85.57%85.70%91.08%91.90%99.09%98.90%99.40%
Dividend Paid to FCF--------7.01%118.80%12.15%32.78%-0.00%0.00%0.00%0.00%0.00%---764.52%35.04%0.00%5.71%

Earnings

Report DateDec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Dec 31, 2016Mar 31, 2017Jun 30, 2017Sep 30, 2017Dec 31, 2017Mar 31, 2018Jun 30, 2018Sep 30, 2018Dec 31, 2018Mar 31, 2019Jun 30, 2019Sep 30, 2019Dec 31, 2019Mar 31, 2020Jun 30, 2020Sep 30, 2020Dec 31, 2020Mar 31, 2021Jun 30, 2021Sep 30, 2021Dec 31, 2021Mar 31, 2022Jun 30, 2022Sep 30, 2022Dec 31, 2022Jun 20, 2023Jul 25, 2023Oct 26, 2023Jan 30, 2024Apr 29, 2024Jul 29, 2024Oct 29, 2024Jan 29, 2025Apr 24, 2025Jul 28, 2025Oct 28, 2025Jan 28, 2026May 8, 2026Jul 27, 2026Oct 27, 2026
EPS Estimate0.000.000.000.000.000.000.000.000.000.000.00-0.000.000.000.000.000.00----0.00------0.460.400.370.310.260.270.240.440.400.410.390.430.410.410.43
EPS Actual0.120.220.150.200.140.200.210.220.200.190.110.230.220.190.200.190.200.270.24-0.200.100.170.250.250.200.08-0.040.380.460.440.360.350.240.290.030.330.530.520.430.480.500.420.44-
Surprise------------------------------4.48%-10.00%-5.41%-22.58%11.54%-88.89%37.50%20.45%30.00%4.88%23.08%16.28%2.44%7.32%-
Timing-----------------------------After-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market---

Key Statistics & Ratios

Market Cap694.13M
Enterprise Value482.17M
Trailing P/E11.67
Forward P/E0.00
PEG Ratio0.00
Price / Sales3.77
Price / Book1.18
EPS1.85
Book Value18.27
Revenue (TTM)184.29M
Gross Profit (TTM)184.29M
Profit Margin32.66%
Operating Margin48.40%
Return on Equity10.62%
Return on Assets1.51%
Shares Outstanding32.15M
Shares Float23.35M
Beta0.29
Dividend Yield2.22%
Dividend Rate0.48
Payout Ratio22.83%

Analyst Ratings

Buy
Based on 3 analystsTarget 24.75
  • Strong Buy
    1
  • Buy
    1
  • Hold
    1

Ownership Breakdown

Institutions
76.60%
Insiders
15.42%
Retail / Other
7.98%

Top Institutional Holders

  • Wellington Management Company LLP
    2.45M7.61%
  • AllianceBernstein L.P.
    2.15M6.68%
  • FJ Capital Management LLC
    2.05M6.39%
  • Endeavour Capital Advisors Inc
    1.66M5.15%
  • BlackRock Inc
    1.46M4.54%
  • Vanguard Capital Management, LLC
    1.05M3.25%
  • Banc Funds Co LLC
    831.15K2.59%
  • Manufacturers Life Insurance Co
    795.31K2.47%
  • State Street Corp
    770.05K2.40%
  • Dimensional Fund Advisors, Inc.
    630.05K1.96%
  • American Century Companies Inc
    591.96K1.84%
  • Geode Capital Management, LLC
    555.81K1.73%
  • Kennedy Capital Management Inc
    441.54K1.37%
  • Algebris Investment Management (UK) LLP
    402.41K1.25%
  • Curi Capital, LLC
    346.67K1.08%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    824.57K2.56%
  • iShares Russell 2000 ETF
    663.40K2.06%
  • Avantis US Small Cap Value ETF
    598.49K1.86%
  • Algebris Financial Equity BM EUR Acc
    467.03K1.45%
  • JH Financial Opportunities
    455.32K1.42%

Dividends

20263×
0.12Sep 21, 20260.10Jun 23, 20260.10Mar 24, 2026
20251×
0.10Dec 24, 2025