Southern California Bancorp Net Income
| BCAL Stock | USD 19.01 0.24 1.28% |
As of the 5th of February, Southern California has the Risk Adjusted Performance of 0.0518, semi deviation of 1.21, and Coefficient Of Variation of 1539.58. Southern California technical analysis provides you with a way to harness past market data to determine a pattern that measures the direction of the company's future prices. Please validate Southern California treynor ratio, as well as the relationship between the potential upside and expected short fall to decide if Southern California is priced more or less accurately, providing market reflects its prevalent price of 19.01 per share. Given that Southern California has jensen alpha of 0.0427, we advise you to double-check Southern California Bancorp's current market performance to make sure the company can sustain itself at a future point.
Southern California Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 3.67 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 6.2 M | 3.8 M | |
| Net Income From Continuing Ops | 6.2 M | 8.4 M | |
| Net Income Applicable To Common Shares | 12.3 M | 12.9 M | |
| Net Income Per Share | 1.93 | 2.02 | |
| Net Income Per E B T | 0.72 | 1.02 |
Southern | Net Income | Build AI portfolio with Southern Stock |
Historical Net Income data for Southern California serves as a key indicator of operational performance and financial stability. Tracking changes in this metric over time helps investors spot emerging trends before they become obvious, providing an edge in assessing whether Southern California Bancorp represents a compelling investment opportunity.
Latest Southern California's Net Income Growth Pattern
Below is the plot of the Net Income of Southern California Bancorp over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Southern California financial statement analysis. It represents the amount of money remaining after all of Southern California Bancorp operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Southern California's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Southern California's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 5.43 M | 10 Years Trend |
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Net Income |
| Timeline |
Southern Net Income Regression Statistics
| Arithmetic Mean | 12,930,632 | |
| Coefficient Of Variation | 158.71 | |
| Mean Deviation | 14,066,985 | |
| Median | 4,722,000 | |
| Standard Deviation | 20,521,683 | |
| Sample Variance | 421.1T | |
| Range | 67M | |
| R-Value | 0.72 | |
| Mean Square Error | 214.1T | |
| R-Squared | 0.52 | |
| Significance | 0 | |
| Slope | 2,940,287 | |
| Total Sum of Squares | 6738.2T |
Southern Net Income History
Other Fundumenentals of Southern California
| Net Income From Continuing Ops | ||
| Net Income Applicable To Common Shares | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Southern California Net Income component correlations
Southern Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Southern California is extremely important. It helps to project a fair market value of Southern Stock properly, considering its historical fundamentals such as Net Income. Since Southern California's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Southern California's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Southern California's interrelated accounts and indicators.
Click cells to compare fundamentals
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Southern California. Projected growth potential of Southern fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Southern California assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.03) | Dividend Share 0.1 | Earnings Share 1.93 | Revenue Per Share | Quarterly Revenue Growth 0.026 |
The market value of Southern California is measured differently than its book value, which is the value of Southern that is recorded on the company's balance sheet. Investors also form their own opinion of Southern California's value that differs from its market value or its book value, called intrinsic value, which is Southern California's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Southern California's market value can be influenced by many factors that don't directly affect Southern California's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Southern California's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Southern California should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Southern California's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.
Southern California 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Southern California's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Southern California.
| 11/07/2025 |
| 02/05/2026 |
If you would invest 0.00 in Southern California on November 7, 2025 and sell it all today you would earn a total of 0.00 from holding Southern California Bancorp or generate 0.0% return on investment in Southern California over 90 days. Southern California is related to or competes with Victory Bancorp, MF Bancorp, First Community, Andover Bancorp, Community Capital, Woodlands Financial, and HCB Financial. Southern California Bancorp operates as the holding company for Bank of Southern California, N.A More
Southern California Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Southern California's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Southern California Bancorp upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.26 | |||
| Information Ratio | 0.0127 | |||
| Maximum Drawdown | 5.74 | |||
| Value At Risk | (1.97) | |||
| Potential Upside | 2.11 |
Southern California Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Southern California's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Southern California's standard deviation. In reality, there are many statistical measures that can use Southern California historical prices to predict the future Southern California's volatility.| Risk Adjusted Performance | 0.0518 | |||
| Jensen Alpha | 0.0427 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0124 | |||
| Treynor Ratio | 0.1392 |
Southern California February 5, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0518 | |||
| Market Risk Adjusted Performance | 0.1492 | |||
| Mean Deviation | 0.9326 | |||
| Semi Deviation | 1.21 | |||
| Downside Deviation | 1.26 | |||
| Coefficient Of Variation | 1539.58 | |||
| Standard Deviation | 1.23 | |||
| Variance | 1.53 | |||
| Information Ratio | 0.0127 | |||
| Jensen Alpha | 0.0427 | |||
| Total Risk Alpha | (0.02) | |||
| Sortino Ratio | 0.0124 | |||
| Treynor Ratio | 0.1392 | |||
| Maximum Drawdown | 5.74 | |||
| Value At Risk | (1.97) | |||
| Potential Upside | 2.11 | |||
| Downside Variance | 1.6 | |||
| Semi Variance | 1.46 | |||
| Expected Short fall | (1.01) | |||
| Skewness | (0.54) | |||
| Kurtosis | 1.27 |
Southern California Backtested Returns
As of now, Southern Stock is very steady. Southern California owns Efficiency Ratio (i.e., Sharpe Ratio) of 0.0251, which indicates the firm had a 0.0251 % return per unit of risk over the last 3 months. We have found twenty-nine technical indicators for Southern California Bancorp, which you can use to evaluate the volatility of the company. Please validate Southern California's Semi Deviation of 1.21, coefficient of variation of 1539.58, and Risk Adjusted Performance of 0.0518 to confirm if the risk estimate we provide is consistent with the expected return of 0.0317%. Southern California has a performance score of 1 on a scale of 0 to 100. The entity has a beta of 0.5, which indicates possible diversification benefits within a given portfolio. As returns on the market increase, Southern California's returns are expected to increase less than the market. However, during the bear market, the loss of holding Southern California is expected to be smaller as well. Southern California right now has a risk of 1.26%. Please validate Southern California expected short fall, day median price, and the relationship between the potential upside and accumulation distribution , to decide if Southern California will be following its existing price patterns.
Auto-correlation | -0.34 |
Poor reverse predictability
Southern California Bancorp has poor reverse predictability. Overlapping area represents the amount of predictability between Southern California time series from 7th of November 2025 to 22nd of December 2025 and 22nd of December 2025 to 5th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Southern California price movement. The serial correlation of -0.34 indicates that nearly 34.0% of current Southern California price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.34 | |
| Spearman Rank Test | -0.35 | |
| Residual Average | 0.0 | |
| Price Variance | 0.08 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Southern Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Southern California Bancorp reported net income of 5.43 M. This is 99.57% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 99.05% higher than that of the company.
Southern Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Southern California's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Southern California could also be used in its relative valuation, which is a method of valuing Southern California by comparing valuation metrics of similar companies.Southern California is currently under evaluation in net income category among its peers.
Southern California ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Southern California's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Southern California's managers, analysts, and investors.Environmental | Governance | Social |
Southern Fundamentals
| Return On Equity | 0.12 | ||||
| Return On Asset | 0.0156 | ||||
| Profit Margin | 0.33 % | ||||
| Operating Margin | 0.51 % | ||||
| Current Valuation | 261.34 M | ||||
| Shares Outstanding | 32.42 M | ||||
| Shares Owned By Insiders | 23.06 % | ||||
| Shares Owned By Institutions | 68.96 % | ||||
| Number Of Shares Shorted | 395.14 K | ||||
| Price To Earning | 34.79 X | ||||
| Price To Book | 1.06 X | ||||
| Price To Sales | 3.23 X | ||||
| Revenue | 233 M | ||||
| Gross Profit | 188.6 M | ||||
| EBITDA | 87.96 M | ||||
| Net Income | 5.43 M | ||||
| Cash And Equivalents | 157.19 M | ||||
| Cash Per Share | 8.85 X | ||||
| Total Debt | 71.7 M | ||||
| Book Value Per Share | 17.79 X | ||||
| Cash Flow From Operations | 50.29 M | ||||
| Short Ratio | 1.77 X | ||||
| Earnings Per Share | 1.93 X | ||||
| Target Price | 21.5 | ||||
| Number Of Employees | 289 | ||||
| Beta | 0.29 | ||||
| Market Capitalization | 608.49 M | ||||
| Total Asset | 4.03 B | ||||
| Retained Earnings | 135.81 M | ||||
| Annual Yield | 0.02 % | ||||
| Net Asset | 4.03 B | ||||
| Last Dividend Paid | 0.1 |
About Southern California Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Southern California Bancorp's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Southern California using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Southern California Bancorp based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Southern California. Projected growth potential of Southern fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive Southern California assessment requires weighing all these inputs, though not all factors influence outcomes equally.
Quarterly Earnings Growth (0.03) | Dividend Share 0.1 | Earnings Share 1.93 | Revenue Per Share | Quarterly Revenue Growth 0.026 |
The market value of Southern California is measured differently than its book value, which is the value of Southern that is recorded on the company's balance sheet. Investors also form their own opinion of Southern California's value that differs from its market value or its book value, called intrinsic value, which is Southern California's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Southern California's market value can be influenced by many factors that don't directly affect Southern California's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
It's important to distinguish between Southern California's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Southern California should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Meanwhile, Southern California's quoted price indicates the marketplace figure where supply meets demand through bilateral consent.