Is Southern California Stock a Good Investment?
Southern California Investment Advice | BCAL |
- Examine Southern California's financial health by looking at its balance sheet, income statement, and cash flow statement. Analyze key financial ratios, such as Price-to-Earnings (P/E), Price-to-Sales (P/S), and Price-to-Book (P/B), to determine whether the stock is fairly valued or over/undervalued.
- Research Southern California's leadership team and their track record. Good management can help Southern California navigate difficult times and make strategic decisions that benefit shareholders and increases its net worth.
- Consider the overall health of the Regional Banks space and any emerging trends that could impact Southern California's business and its evolving consumer preferences.
- Compare Southern California's performance and market position to its competitors. Analyze how Southern California is positioned in terms of product offerings, innovation, and market share.
- Check if Southern California pays a dividend and its dividend yield and payout ratio.
- Review what financial analysts are saying about Southern California's stock and their price targets. However, remember that analysts' opinions can vary, and their predictions may not always be accurate.
It's important to note that investing in Southern California Bancorp stock, carries risks, and you should carefully consider your investment goals and risk tolerance before making any investment decisions. Also, remember that it's important for investors to have a long-term perspective and a well-diversified portfolio to manage the impact of stock market volatility on their investments. Below is a detailed guide on how to decide if Southern California Bancorp is a good investment.
Sell | Buy |
Sell
Market Performance | Good | Details | |
Volatility | Very steady | Details | |
Hype Condition | Over hyped | Details | |
Current Valuation | Fairly Valued | Details | |
Odds Of Distress | About Average | Details | |
Economic Sensitivity | Responds to the market | Details | |
Investor Sentiment | Impartial | Details | |
Analyst Consensus | Buy | Details | |
Financial Strenth (F Score) | Healthy | Details | |
Financial Leverage | Not Rated | Details | |
Reporting Quality (M-Score) | Unlikely Manipulator | Details |
Examine Southern California Stock
Researching Southern California's stock involves analyzing various aspects of the company and its industry to make an informed investment decision. The key areas to focus on are fundamentals, business model and competitive advantage. It is also important to analyze trends in revenue, net income, and cash flow, as well as key financial ratios, such as price-to-earnings (P/E), price-to-sales (P/S), and debt-to-equity (D/E). About 17.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.15. Some equities with similar Price to Book (P/B) outperform the market in the long run. Southern California recorded a loss per share of 0.29. The entity had not issued any dividends in recent years.
To determine if Southern California is a good investment, evaluating the company's potential for future growth is also very important. This may include expanding into new markets, launching new products or services, or improving operational efficiency. Companies with strong growth prospects can be more attractive investments. This aspect of the research should be conducted in the context of the overall market and industry in which the company operates and should include an analysis of growth potential, competitive landscape, and any regulatory or economic factors that could impact the business. Some of the essential points regarding Southern California's research are outlined below:
| About 62.0% of the company shares are held by institutions such as insurance companies | |
| Latest headline from gurufocus.com: Fourthstone LLC Acquires New Stake in PSB Holdings Inc |
Southern California uses earnings reports to provide investors with an update of all three financial statements, including the income statement, the balance sheet, and the cash flow statement. Therefore, it is also crucial when considering investing in Southern California Bancorp. Every quarterly earnings report provides investors with an overview of sales, expenses, and net income for the most recent period. It also may provide a comparison to Southern California's previous reporting period. The quarterly earnings reports are usually disseminated to the public via Form 10-Q, which is a legal document filed with the Securities and Exchange Commission every quarter.
| 25th of January 2024 Upcoming Quarterly Report | View | |
| 18th of June 2024 Next Financial Report | View | |
| 31st of December 2023 Next Fiscal Quarter End | View | |
| 25th of January 2024 Next Fiscal Year End | View | |
| 30th of September 2023 Last Quarter Report | View | |
| 31st of December 2022 Last Financial Announcement | View |
Earnings surprises can significantly impact Southern California's stock price both in the short term and over time. Negative earnings surprises usually result in a price decline. However, it has been seen that positive earnings surprises lead to an immediate rise in a stock's price and a gradual increase over time. This is why we often hear news about some companies beating earning projections. Financial analysts spend a large amount of time predicting earnings per share (EPS) along with other important future indicators. Many analysts use forecasting models, management guidance, and additional fundamental information to derive an EPS estimate. Below are the table of largest EPS Surprises Southern California's investors have experienced.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2023-07-25 | 2023-06-30 | 0.4 | 0.36 | -0.04 | 10 | ||
2024-01-30 | 2023-12-31 | 0.3 | 0.24 | -0.06 | 20 | ||
2024-10-29 | 2024-09-30 | -0.39 | -0.59 | -0.2 | 51 | ||
2024-07-29 | 2024-06-30 | 0.27 | 0.01 | -0.26 | 96 |
Southern California's market capitalization trends
The company currently falls under 'Small-Cap' category with a current market capitalization of 575.44 M.Market Cap |
|
Southern California's profitablity analysis
| Last Reported | Projected for Next Year | ||
| Return On Tangible Assets | 0.01 | 0.01 | |
| Return On Capital Employed | 0.04 | 0.04 | |
| Return On Assets | 0.01 | 0.01 | |
| Return On Equity | 0.09 | 0.09 |
Determining Southern California's profitability involves analyzing its financial statements and using various financial metrics to determine if Southern California is a good buy. For example, gross profit margin measures Southern California's profitability after accounting for the cost of goods sold, while net profit margin measures profitability after accounting for all expenses. Other important metrics include return on assets, return on equity, and free cash flow. By reviewing multiple sources and metrics, you can gain a complete picture of Southern California's profitability and make more informed investment decisions.
Evaluate Southern California's management efficiency
Return On Tangible Assets is expected to rise to 0.01 this year. Return On Capital Employed is expected to rise to 0.04 this year. At this time, Southern California's Net Tangible Assets are quite stable compared to the past year. Return On Tangible Assets is expected to rise to 0.01 this year, although the value of Intangible Assets will most likely fall to about 1.1 M. Southern California's management efficiency ratios could be used to measure how well Southern California manages its routine affairs as well as how well it operates its assets and liabilities.| Last Reported | Projected for Next Year | ||
| Book Value Per Share | 15.79 | 20.63 | |
| Tangible Book Value Per Share | 13.66 | 14.34 | |
| Enterprise Value Over EBITDA | 9.25 | 6.27 | |
| Price Book Value Ratio | 1.10 | 1.17 | |
| Enterprise Value Multiple | 9.25 | 6.27 | |
| Price Fair Value | 1.10 | 1.17 | |
| Enterprise Value | 398.5 M | 418.5 M |
Evaluating the management effectiveness of Southern California allows investors to assess its financial health and operational efficiency. Coupled with an analysis of its growth prospects and the current market dynamics, we evaluate the stock's true value and future potential. Key indicators such as revenue, earnings or debt levels are examined alongside external factors like economic trends and regulatory changes. The Southern Stock analysis seeks to determine whether the stock is undervalued, appropriately priced, or overvalued, thereby guiding your investment decisions.
Beta 0.535 |
Basic technical analysis of Southern Stock
As of the 4th of December, Southern California has the Semi Deviation of 0.5567, coefficient of variation of 619.48, and Risk Adjusted Performance of 0.1287. 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 17.79 per share. Given that Southern California has jensen alpha of 0.107, 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's insider trading activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific Southern California insiders, such as employees or executives, is commonly permitted as long as it does not rely on Southern California's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases Southern California insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
Southern California's Outstanding Corporate Bonds
Southern California issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. Southern California uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most Southern bonds can be classified according to their maturity, which is the date when Southern California Bancorp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
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Understand Southern California's technical and predictive indicators
Using predictive indicators to make investment decisions involves analyzing Southern California's various financial and market-based factors to help forecast future trends and identify investment opportunities. Select the indicators that are most relevant to your investment strategy. Each indicator has its own strengths and weaknesses, so it's essential to combine multiple indicators to get a more comprehensive view of the market and reduce the risk of making poor decisions based on limited data.
| Risk Adjusted Performance | 0.1287 | |||
| Market Risk Adjusted Performance | 0.1844 | |||
| Mean Deviation | 0.9722 | |||
| Semi Deviation | 0.5567 | |||
| Downside Deviation | 0.9104 | |||
| Coefficient Of Variation | 619.48 | |||
| Standard Deviation | 1.69 | |||
| Variance | 2.85 | |||
| Information Ratio | 0.0943 | |||
| Jensen Alpha | 0.107 | |||
| Total Risk Alpha | 0.0339 | |||
| Sortino Ratio | 0.1749 | |||
| Treynor Ratio | 0.1744 | |||
| Maximum Drawdown | 11.39 | |||
| Value At Risk | (1.35) | |||
| Potential Upside | 2.47 | |||
| Downside Variance | 0.8289 | |||
| Semi Variance | 0.3099 | |||
| Expected Short fall | (1.36) | |||
| Skewness | 3.65 | |||
| Kurtosis | 19.76 |
| Risk Adjusted Performance | 0.1287 | |||
| Market Risk Adjusted Performance | 0.1844 | |||
| Mean Deviation | 0.9722 | |||
| Semi Deviation | 0.5567 | |||
| Downside Deviation | 0.9104 | |||
| Coefficient Of Variation | 619.48 | |||
| Standard Deviation | 1.69 | |||
| Variance | 2.85 | |||
| Information Ratio | 0.0943 | |||
| Jensen Alpha | 0.107 | |||
| Total Risk Alpha | 0.0339 | |||
| Sortino Ratio | 0.1749 | |||
| Treynor Ratio | 0.1744 | |||
| Maximum Drawdown | 11.39 | |||
| Value At Risk | (1.35) | |||
| Potential Upside | 2.47 | |||
| Downside Variance | 0.8289 | |||
| Semi Variance | 0.3099 | |||
| Expected Short fall | (1.36) | |||
| Skewness | 3.65 | |||
| Kurtosis | 19.76 |
Consider Southern California's intraday indicators
Southern California intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of Southern California stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
Southern California Corporate Filings
F4 | 3rd of December 2024 The report filed by a party regarding the acquisition or disposition of a company's common stock, as well as derivative securities such as options, warrants, and convertible securities | ViewVerify |
13A | 15th of November 2024 An amended filing to the original Schedule 13G | ViewVerify |
10Q | 14th of November 2024 Quarterly performance report mandated by Securities and Exchange Commission (SEC), to be filed by publicly traded corporations | ViewVerify |
8K | 29th of October 2024 Report filed with the SEC to announce major events that shareholders should know about | ViewVerify |
Southern Stock media impact
Far too much social signal, news, headlines, and media speculation about Southern California that are available to investors today. That information is available publicly through Southern media outlets and privately through word of mouth or via Southern internal channels. However, regardless of the origin, that massive amount of Southern data is challenging to quantify into actionable patterns, especially for investors that are not very sophisticated with ever-evolving tools and techniques used in the investment management field.
A primary focus of Southern California news analysis is to determine if its current price reflects all relevant headlines and social signals impacting the current market conditions. A news analyst typically looks at the history of Southern California relative headlines and hype rather than examining external drivers such as technical or fundamental data. It is believed that price action tends to repeat itself due to investors' collective, patterned thinking related to Southern California's headlines and news coverage data. This data is often completely overlooked or insufficiently analyzed for actionable insights to drive Southern California alpha.
Southern California Sentiment by Major News Outlets
Investor sentiment, mood or attitude towards Southern California can have a significant impact on its stock price or the market as a whole. This sentiment can be positive or negative, and various factors, such as economic indicators, news events, or market trends, can influence it. When investor sentiment is positive, investors are more likely to buy stocks, increasing demand and increasing the stock price. Positive investor sentiment can be driven by good news about the company or the broader market, such as solid earnings reports or positive economic data.
Note that negative investor sentiment can cause investors to sell stocks, leading to a decrease in demand and a drop in the stock price. Negative sentiment can be driven by factors such as poor earnings reports, negative news about the company or industry, or broader economic concerns. It's important to note that investor sentiment is just one of many factors that can affect stock prices. Other factors, such as company performance, industry trends, and global economic conditions, can also play a significant role in determining the value of a stock.
Southern California Corporate Management
| Manisha Merchant | General VP | Profile | |
| Jeffery Hurtik | Executive Officer | Profile | |
| Peter Nutz | Executive Officer | Profile | |
| Anne Williams | Ex Officer | Profile |
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 Valuation module to check real value of public entities based on technical and fundamental data.
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. If investors know Southern will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Southern California listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth (0.97) | Earnings Share (0.29) | Revenue Per Share 3.796 | Quarterly Revenue Growth (0.37) | Return On Assets (0) |
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.
In summary, please note that there is a difference between Southern California's value and its price, as these two are different measures arrived at by various means. Investors typically determine if Southern California is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Southern California's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.