BCAL
Financial ServicesSouthern California Bancorp · Banks - Regional · $610M
What is Southern California Bancorp?
Southern California Bancorp is the holding company for Bank of Southern California, N.A., a community bank serving individuals, professionals, and small-to-medium-sized businesses across Southern California's major counties.
Bank of Southern California generates revenue through traditional community banking — taking deposits and extending credit. It offers business and personal loans, commercial real estate financing, SBA loans, and lines of credit. Fee-based services such as merchant services, remote deposit capture, and cash management round out its revenue streams, with branches spanning San Diego, Orange, Los Angeles, Ventura, Riverside, and the Inland Empire.
The company was founded in 2005 and is headquartered in San Diego, California.
- Business loans, lines of credit, and SBA loans
- Commercial real estate and construction loans
- Checking, savings, money market accounts, and CDs
- Cash management and merchant services
Is BCAL a Good Stock to Buy?
UQS Score rates BCAL as Good overall, reflecting a mixed picture across its five fundamental pillars.
The Quality pillar stands out as the clearest strength, suggesting the bank maintains sound financial practices relative to its peer group. Valuation is rated Attractive, meaning the stock does not appear richly priced compared to its fundamentals — a relevant consideration for value-oriented investors.
The Moat and Risk pillars both register as Weak, indicating limited competitive differentiation and elevated risk factors that investors should weigh carefully.
See the exact pillar breakdown and full financial metrics by signing up for a UQS Pro account. Sign up free →
Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does BCAL pay dividends?
Yes — Southern California Bancorp pays a dividend.
Southern California Bancorp pays a regular dividend, consistent with the income-oriented tradition of community banks. Dividend payments reflect the bank's ability to generate distributable earnings while maintaining capital adequacy. Investors seeking income alongside community-bank exposure may find this cadence relevant, though dividend sustainability should be evaluated alongside the Risk pillar profile.
When does BCAL report earnings?
Southern California Bancorp reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
The bank's Growth pillar is rated Neutral, suggesting earnings and revenue trends are neither accelerating sharply nor declining — a pattern common among community banks navigating a shifting interest-rate environment. Quality metrics remain a relative bright spot within the results.
For the most recent quarter's results and guidance, visit Southern California Bancorp's investor relations page directly.
BCAL Price History
+36.9% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Southern California Bancorp?
Based on Southern California Bancorp's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
BCAL Long-term Outlook
The Neutral Growth pillar suggests BCAL's near-term trajectory is steady rather than expansionary. Community banks of this size often grow through branch deepening and relationship lending rather than rapid loan-book expansion. The Weak Risk pillar warrants attention — credit quality and concentration risk in commercial real estate are factors that could weigh on future performance if regional economic conditions soften.
Growth drivers
- Relationship-based lending to small and mid-sized businesses across Southern California
- SBA loan origination as a fee-generating and lower-risk lending channel
- Geographic footprint across high-density Southern California counties
Key risks
- Commercial real estate concentration risk in a rate-sensitive environment
- Limited competitive moat relative to larger regional and national banks
- Potential credit quality pressure if Southern California economic conditions deteriorate
BCAL vs Peers
BCAL competes within the community and regional bank segment alongside several similarly sized institutions.
Arrow Financial operates in upstate New York, offering a geographically distinct footprint with a longer operating history and a focus on wealth management alongside traditional banking.
Red River Bancshares serves Louisiana markets, differentiating through deep local relationships in a less competitive Sun Belt community-banking landscape.
Third Coast Bancshares focuses on Texas commercial banking and operates without a traditional branch-heavy model, targeting business clients directly.
Frequently Asked Questions
What does Southern California Bancorp do?
Southern California Bancorp is the holding company for Bank of Southern California, N.A. It provides deposit accounts, business and personal loans, commercial real estate financing, SBA loans, and cash management services to individuals and small-to-medium-sized businesses across Southern California counties.
Does BCAL pay dividends?
Yes, Southern California Bancorp pays a regular dividend. This is consistent with community bank practice, where distributable earnings are returned to shareholders. Investors should review the company's investor relations page for the current dividend rate and payment schedule.
When does BCAL report earnings?
Southern California Bancorp reports on a quarterly cadence, as is standard for US-listed bank holding companies. For specific upcoming report dates, check the company's investor relations page or a financial calendar service.
Is BCAL a good stock to buy?
UQS Score rates BCAL as Good overall. The Quality pillar is Strong and Valuation is Attractive, but the Moat and Risk pillars are both Weak. Whether it fits your portfolio depends on your risk tolerance and investment goals. The full pillar breakdown is available to UQS Pro members.
Is BCAL overvalued?
The UQS Valuation pillar for BCAL is rated Attractive, suggesting the stock is not trading at a premium relative to its fundamentals. Community banks in this size range can offer reasonable entry points, though valuation alone does not offset elevated risk factors.
How does BCAL compare to its competitors?
BCAL operates in a crowded community-banking space alongside peers like Arrow Financial, Red River Bancshares, and Third Coast Bancshares. Each serves distinct regional markets. BCAL's Southern California footprint gives it exposure to a large economic base, though its Weak Moat rating reflects limited differentiation from competitors.
What is BCAL's market cap bracket?
Southern California Bancorp is classified as a small-cap stock. This places it in the community bank tier, where liquidity can be lower and share price volatility higher than large-cap financial institutions. Small-cap bank stocks often carry both higher risk and higher potential for local market outperformance.
Who founded Southern California Bancorp?
Southern California Bancorp was founded in 2005. Founding leadership details are publicly available through the company's official filings and investor relations materials for those seeking a complete history.
Is BCAL a long-term quality investment?
As a long-term quality indicator, BCAL's Strong Quality pillar is a positive signal, suggesting sound financial practices. However, the Weak Moat and Risk pillars introduce uncertainty over a longer horizon. Long-term investors should weigh these factors alongside the Attractive Valuation rating before committing capital.
What sector does BCAL belong to?
BCAL operates in the Financial Services sector, specifically within community and regional banking. This sector is sensitive to interest rate movements, credit cycles, and regional economic conditions — all of which can influence earnings and dividend sustainability for banks like Southern California Bancorp.
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Pro Analysis
BCAL — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 21, 2026 | 56.2 | 86.0 | 20.0 | 49.5 | 37.4 | 94.5 | -0.2 |
| May 20, 2026 | 56.4 | 86.0 | 20.0 | 49.5 | 37.4 | 95.7 | +0.2 |
| May 19, 2026 | 56.2 | 86.0 | 20.0 | 49.5 | 37.4 | 94.9 | -0.1 |
| May 17, 2026 | 56.3 | 86.0 | 20.0 | 49.5 | 37.4 | 95.6 | -0.1 |
| May 16, 2026 | 56.4 | 86.0 | 20.0 | 49.5 | 37.4 | 96.0 | +0.1 |
| May 14, 2026 | 56.3 | 86.0 | 20.0 | 49.5 | 37.4 | 95.6 | +0.1 |
| May 13, 2026 | 56.2 | 86.0 | 20.0 | 49.5 | 37.4 | 94.8 | 0.0 |
| May 12, 2026 | 56.2 | 86.0 | 20.0 | 49.5 | 37.4 | 95.0 | +0.2 |
| May 11, 2026 | 56.0 | 86.0 | 20.0 | 49.5 | 37.4 | 93.4 | +0.5 |
| May 10, 2026 | 55.5 | 86.0 | 20.0 | 49.5 | 37.4 | 89.9 | -0.6 |
BCAL — Pillar Breakdown
Quality
— 86.0/100 (25%)Southern California Bancorp demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 49.5/100 (20%)Southern California Bancorp shows steady but unspectacular growth, typical for mature companies.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 37.4/100 (15%)Southern California Bancorp has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 96.0/100 (15%)Southern California Bancorp appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
Enterprise value multiple relative to sector median.
Moat
— 20/100 (25%)Southern California Bancorp operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for BCAL.
Score Composition
Financial Data
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How is the BCAL UQS Score Calculated?
The UQS (Unified Quality Score) for Southern California Bancorp is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Southern California Bancorp's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Southern California Bancorp is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.