Southern California Bancorp Stock Analysis

BCAL Stock  USD 17.66  0.12  0.67%   
Southern California Bancorp is undervalued with Real Value of 19.79 and Target Price of 17.0. The main objective of Southern California stock analysis is to determine its intrinsic value, which is an estimate of what Southern California Bancorp is worth, separate from its market price. There are two main types of Southern California's stock analysis: fundamental analysis and technical analysis.
The Southern California stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
  
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.

Southern Stock Analysis Notes

About 16.0% of the company shares are held by company insiders. The company has price-to-book (P/B) ratio of 1.14. 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. Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to-medium sized businesses. The company was founded in 2001 and is headquartered in San Diego, California. Bank Of Southern operates under BanksRegional classification in the United States and is traded on OTC Exchange. For more info on Southern California Bancorp please contact Steven Shelton at 844 265 7622 or go to https://www.californiabankofcommerce.com.

Southern California Quarterly Total Revenue

38.12 Million

Southern California Investment Alerts

About 62.0% of the company shares are held by institutions such as insurance companies
Latest headline from news.google.com: Southern California Bancorp Short Interest Update - MarketBeat

Southern California Upcoming and Recent Events

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

Southern Largest EPS Surprises

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.
Reported
Fiscal Date
Estimated EPS
Reported EPS
Surprise
2023-07-25
2023-06-300.40.36-0.0410 
2024-01-30
2023-12-310.30.24-0.0620 
2024-10-29
2024-09-30-0.39-0.59-0.251 
View All Earnings Estimates

Southern California Environmental, Social, and Governance (ESG) Scores

Southern California's ESG score is a quantitative measure that evaluates Southern California's performance and commitment regarding environmental, social, and governance (ESG) factors. These scores are becoming increasingly crucial in investment decision-making processes, providing insights into non-financial aspects of Southern California's operations that may have significant financial implications and affect Southern California's stock price as well as guide investors towards more socially responsible investments.

Southern Market Capitalization

The company currently falls under 'Small-Cap' category with a current market capitalization of 568.04 M.

Southern Profitablity

The company has Profit Margin (PM) of (0.09) %, which may suggest that it does not properly executes on its current pricing strategies or is unable to control all of the operational costs. This is way below average. Similarly, it shows Operating Margin (OM) of (0.48) %, which suggests for every $100 dollars of sales, it generated a net operating loss of $0.48.
Last ReportedProjected 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 

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 ReportedProjected 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 Value398.5 M418.5 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.
Operating Margin
(0.48)
Profit Margin
(0.09)
Beta
0.535
Return On Assets
(0)
Return On Equity
(0.02)

Technical Drivers

As of the 6th of December, Southern California has the Coefficient Of Variation of 607.82, risk adjusted performance of 0.128, and Semi Deviation of 0.532. 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 17.66 per share. Given that Southern California has jensen alpha of 0.0715, 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 Price Movement Analysis

Execute Study
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. Southern California middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for Southern California. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.

Southern California 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.
 
Di Tomaso Frank over a week ago
Acquisition by Di Tomaso Frank of 2521 shares of Southern California subject to Rule 16b-3
 
Di Tomaso Frank over two months ago
Acquisition by Di Tomaso Frank of 2521 shares of Southern California subject to Rule 16b-3
 
Steven Shelton over two months ago
Disposition of 163 shares by Steven Shelton of Southern California at 14.78 subject to Rule 16b-3
 
Machado Lester over three months ago
Disposition of 10000 shares by Machado Lester of Southern California at 14.3721 subject to Rule 16b-3
 
Muller Frank L. over three months ago
Discretionary transaction by Muller Frank L. of tradable shares of Southern California subject to Rule 16b-3
 
Anne Williams over three months ago
Acquisition by Anne Williams of 3146 shares of Southern California subject to Rule 16b-3
 
David Rainer over three months ago
Acquisition by David Rainer of 49020 shares of Southern California subject to Rule 16b-3
 
Carandang Jean over six months ago
Disposition of 2356 shares by Carandang Jean of Southern California at 13.35 subject to Rule 16b-3
 
Richard Hernandez over six months ago
Disposition of 1201 shares by Richard Hernandez of Southern California at 14.19 subject to Rule 16b-3
 
Carandang Jean over six months ago
Disposition of 804 shares by Carandang Jean of Southern California at 15.17 subject to Rule 16b-3
 
Machado Lester over six months ago
Discretionary transaction by Machado Lester of tradable shares of Southern California subject to Rule 16b-3
 
Peter Nutz over six months ago
Disposition of 276 shares by Peter Nutz of Southern California at 14.08 subject to Rule 16b-3

Southern California Outstanding 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.

Southern California Predictive Daily 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
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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
8K
8th of October 2024
An amendment to a previously filed Form 8-K
ViewVerify
F3
2nd of October 2024
The report used by insiders such as officers, directors, and major shareholders (beneficial owners holding more than 10% of any class of the company's equity securities) to declare their ownership of a company's stock
ViewVerify
8K
26th of September 2024
Report filed with the SEC to announce major events that shareholders should know about
ViewVerify
F4
23rd of September 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

Southern California Forecast Models

Southern California's time-series forecasting models are one of many Southern California's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Southern California's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

About Southern Stock Analysis

Stock analysis is the technique used by a trader or investor to examine and evaluate how Southern California prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Southern shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Southern California. By using and applying Southern Stock analysis, traders can create a robust methodology for identifying Southern entry and exit points for their positions.
Last ReportedProjected for Next Year
Pretax Profit Margin 0.29  0.30 
Operating Profit Margin 0.31  0.32 
Net Profit Margin 0.20  0.21 

Current Southern Analysis - Recommendations

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Southern analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Southern analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.
Target PriceAdvice# of Analysts
17.0Buy3Odds
Southern California Bancorp current and past analyst recommendations published by a number of research institutions as well as average analyst consensus.
Most Southern analysts issue ratings four times a year, at intervals of three months. Ratings are usually accompanied by a target price to helps potential investors understand Southern stock's fair price compared to its market value. Analysts arrive at stock ratings after researching public financial statements of Southern California, talking to its executives and customers, or listening to Southern conference calls.
Southern Analyst Advice Details

Southern Stock Analysis Indicators

Southern California Bancorp stock analysis indicators help investors evaluate how Southern California stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Southern California shares will generate the highest return on investment. By understating and applying Southern California stock analysis, traders can identify Southern California position entry and exit signals to maximize returns.
Begin Period Cash Flow86.8 M
Total Stockholder Equity288.2 M
Capital Lease Obligations12.1 M
Property Plant And Equipment Net22.6 M
Cash And Short Term Investments163 M
Net Invested Capital391 M
Cash33 M
50 Day M A15.5808
Net Interest Income94.1 M
Total Current Liabilities1.4 B
Investments-78.9 M
Interest Expense29.4 M
Stock Based Compensation4.5 M
Long Term Debt102.9 M
Common Stock Shares Outstanding18.7 M
Tax Provision10.9 M
Quarterly Earnings Growth Y O Y-0.972
Free Cash Flow30.2 M
Other Current Assets94 M
Net Debt82 M
Other Operating Expenses97.5 M
Non Current Assets Total2.3 B
Liabilities And Stockholders Equity2.4 B
Non Currrent Assets Other2.2 B
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 Portfolio Manager module to state of the art Portfolio Manager to monitor and improve performance of your invested capital.
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.
Please note, there is a significant difference between Southern California's value and its price as these two are different measures arrived at by different 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.