Southern California Valuation
| BCAL Stock | USD 18.85 0.16 0.84% |
At this time, the company appears to be undervalued. Southern California has a current Real Value of $20.25 per share. The regular price of the company is $18.85. Our model measures the value of Southern California from inspecting the company fundamentals such as Shares Outstanding of 32.42 M, return on equity of 0.12, and Operating Margin of 0.51 % as well as reviewing its technical indicators and probability of bankruptcy. Key fundamental drivers impacting Southern California's valuation include:
Price Book 1.0553 | Enterprise Value | Price Sales 3.2263 | Trailing PE 9.7254 | Enterprise Value Revenue 3.67 |
Undervalued
Today
Please note that Southern California's price fluctuation is very steady at this time. Calculation of the real value of Southern California is based on 3 months time horizon. Increasing Southern California's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
The fair value of the Southern stock is determined by what a typical buyer is willing to pay for full or partial control of Southern California Bancorp. Since Southern California is currently traded on the exchange, buyers and sellers on that exchange determine the market value of Southern Stock. However, Southern California's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 18.85 | Real 20.25 | Target 21.5 | Hype 19.01 | Naive 18.63 |
The intrinsic value of Southern California's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other external factors that may influence Southern California's stock price.
Estimating the potential upside or downside of Southern California Bancorp helps investors to forecast how Southern stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of Southern California more accurately as focusing exclusively on Southern California's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use Southern California's intrinsic value based on its ongoing forecasts of Southern California's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against Southern California's closest peers.
Southern California Cash |
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Southern California Total Value Analysis
Southern California Bancorp is currently forecasted to have valuation of 261.34 M with market capitalization of 608.49 M, debt of 71.7 M, and cash on hands of 157.19 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the Southern California fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
261.34 M | 608.49 M | 71.7 M | 157.19 M |
Southern California Investor Information
About 23.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.06. Some equities with similar Price to Book (P/B) outperform the market in the long run. Southern California last dividend was issued on the 24th of December 2025. Based on the key measurements obtained from Southern California's financial statements, Southern California Bancorp is performing exceptionally good at this time. It has a great probability to report excellent financial results in March.Southern California Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. Southern California has an asset utilization ratio of 5.78 percent. This suggests that the Company is making $0.0578 for each dollar of assets. An increasing asset utilization means that Southern California Bancorp is more efficient with each dollar of assets it utilizes for everyday operations.Southern California Profitability Analysis
Based on the key profitability measurements obtained from Southern California's financial statements, Southern California Bancorp is performing exceptionally good at this time. It has a great probability to showcase excellent profitability results in March. Profitability indicators assess Southern California's ability to earn profits and add value for shareholders.Net Income | First Reported 2003-03-31 | Previous Quarter 15.7 M | Current Value 16.4 M | Quarterly Volatility 5.4 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.59 | 0.52 |
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For Southern California profitability analysis, we use financial ratios and fundamental drivers that measure the ability of Southern California to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well Southern California utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between Southern California's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of Southern California over time as well as its relative position and ranking within its peers.
Southern California Earnings per Share Projection vs Actual
The next projected EPS of Southern California is estimated to be 0.4 with future projections ranging from a low of 0.39 to a high of 0.41. Southern California's most recent 12-month trailing earnings per share (EPS TTM) is at 1.93. Please be aware that the consensus of earnings estimates for Southern California Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Southern California Earnings Estimation Breakdown
The calculation of Southern California's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of Southern California is estimated to be 0.4 with the future projection ranging from a low of 0.39 to a high of 0.41. Please be aware that this consensus of annual earnings estimates for Southern California Bancorp is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
0.39 Lowest | Expected EPS | 0.41 Highest |
Southern California Earnings Projection Consensus
Suppose the current estimates of Southern California's value are higher than the current market price of the Southern California stock. In this case, investors may conclude that Southern California is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and Southern California's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 3 | 74.41% | 0.0 | 0.4 | 1.93 |
Southern California Ownership Allocation
Southern California shows a total of 32.42 Million outstanding shares. Over half of Southern California's outstanding shares are owned by institutional holders. These institutional holders are typically referred to as corporate investors that take positions in a given instrument to benefit from reduced trade commissions. Please note that no matter how many assets the company owns, if the real value of the company is less than the current market value, you may not be able to make money on it.Southern California Profitability Analysis
The company reported the previous year's revenue of 233 M. Net Income was 5.43 M with profit before overhead, payroll, taxes, and interest of 188.6 M.Southern California Past Distributions to stockholders
About Southern California Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of Southern California Bancorp. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of Southern California based exclusively on its fundamental and basic technical indicators. By analyzing Southern California's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of Southern California's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of Southern California. We calculate exposure to Southern California's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of Southern California's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 184.9 M | 194.2 M | |
| Pretax Profit Margin | 0.39 | 0.41 | |
| Operating Profit Margin | 0.40 | 0.42 | |
| Net Profit Margin | 0.28 | 0.29 | |
| Gross Profit Margin | 0.52 | 0.59 |
A single share of Southern California represents a small ownership stake in the entity. As a stockholder of Southern, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
Southern California Dividends Analysis For Valuation
Please note that Southern California has scaled down on payment of dividends at this time. At this time, Southern California's Retained Earnings are quite stable compared to the past year. Earnings Yield is expected to rise to 0.11 this year, although the value of Price Earnings To Growth Ratio will most likely fall to 0.01.
There are various types of dividends Southern California can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of Southern shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from Southern California Bancorp directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When Southern pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of Southern California by the value of the dividends paid out.
Southern California Growth Indicators
Investing in growth stocks can be very risky. If the company such as Southern California does not do well, investors take a loss on the stock when it is time to sell. Also, because growth stocks typically do not pay dividends, the only opportunity an investor has to make money on their investment is when they eventually sell their shares.
| Common Stock Shares Outstanding | 32.7 M | |
| Quarterly Earnings Growth Y O Y | -0.03 |
Southern California Current Valuation Indicators
Southern California's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final Southern California's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as Southern California, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use Southern California's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes Southern California's worth.When determining whether Southern California is a strong investment it is important to analyze Southern California's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Southern California's future performance. For an informed investment choice regarding Southern Stock, refer to the following important reports: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Southern California Bancorp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation. You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.
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.