US · BCAL
Southern California Bancorp
- Sector
- Financial Services · Banks - Regional
- Headquarters
- San Diego, CA 92130
- Website
- banksocal.com
Price · as of 2025-12-31
$18.84
Market cap 591.83M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $53.84 | +185.77% |
| Intrinsic Value(DCF) | $20.88 | +10.83% |
| Graham-Dodd Method(GD) | $23.85 | +26.58% |
| Graham Formula(GF) | $63.92 | +239.25% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $5.97 | $62.38 | $167.22 | $8.13 | $16.11 |
| 2012 | $5.62 | $175.70 | $36.03 | $7.87 | $0.83 |
| 2013 | $7.71 | $238.47 | |||
| 2014 | $7.06 | $105.30 | $30.33 | $16.06 | $46.93 |
| 2015 | $8.21 | $31.52 | $46.91 | $11.03 | $14.61 |
| 2016 | $11.94 | $66.69 | $49.56 | $13.73 | $18.08 |
| 2017 | $14.92 | $27.16 | $19.50 | $13.40 | $19.36 |
| 2018 | $13.23 | $48.80 | $153.05 | $18.00 | $38.51 |
| 2019 | $10.79 | $33.36 | $135.67 | $18.27 | $26.90 |
| 2020 | $13.13 | $46.32 | $246.70 | $18.22 | $21.58 |
| 2021 | $15.32 | $46.31 | $67.52 | $18.28 | $28.80 |
| 2022 | $16.66 | $55.87 | $102.75 | $17.01 | $39.35 |
| 2023 | $15.70 | $51.69 | $240.61 | $20.82 | $51.48 |
| 2024 | $15.52 | $48.86 | $121.03 | $17.62 | $11.55 |
| 2025 | $18.35 | $53.84 | $179.51 | $23.85 | $63.91 |
AI valuation
Our deep-learning model estimates Southern California Bancorp's (BCAL) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $53.84
- Current price
- $18.84
- AI upside
- +185.77%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$20.88
+10.83% upside
Graham-Dodd
$23.85
+26.58% upside
Graham Formula
$63.92
+239.25% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BCAL | Southern California Banco… | $18.84 | 591.83M | +186% | +11% | +27% | +239% | 9.53 | 1.04 | 2.58 | 4.39 | 1.23 | 1.34 | 79.37% | 37.75% | 27.06% | 11.59% | 16.62% | 1.56% | 0.12 | 1.55 | 0.24 | 0.24 | 0.22 | 77727.00% | 2623.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 1.31% | 4.39 | — | 1.66 | 0.02 |
| CUBI | Customers Bancorp, Inc. | $67.44 | 2.31B | -4% | +374% | +33% | +16% | 10.54 | 1.12 | 1.67 | 5.88 | 48.32 | 1.12 | 51.59% | 21.97% | 15.84% | 11.34% | -65.45% | 0.95% | 0.81 | 0.51 | 1.19 | 1.19 | 4.67 | 2181.00% | 394.00% | 50225.00% | 20.37% | 0.03 | -130.40% | 0.46% | 4.80% | 6.73% | 6.65 | 4.30 | 1.46 | 0.39 |
| FCBC | First Community Bankshare… | $39.13 | 716.66M | +34% | -19% | -57% | +1% | 13.12 | 1.29 | 3.85 | 6.39 | 249.21 | 1.83 | 86.77% | 37.35% | 29.34% | 10.02% | 22.69% | 1.58% | 0.00 | 3.34 | 0.08 | 0.08 | -1.10 | 526.00% | 614.00% | -699.00% | 8.12% | 0.02 | 24.15% | 3.25% | 42.70% | 4.77% | 7.02 | 8.39 | 2.62 | -0.49 |
| GSBC | Great Southern Bancorp, I… | $61.53 | 688.48M | +41% | -23% | +41% | -51% | 10.09 | 1.13 | 2.09 | 3.38 | 57.04 | 1.14 | 66.93% | 25.43% | 20.67% | 11.49% | 18.06% | 1.23% | 0.64 | 0.77 | 2.54 | 2.54 | 3.52 | 1768.00% | -337.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 3.38 | — | 0.86 | 0.46 |
| IBCP | Independent Bank Corporat… | $34.75 | 719.05M | +17% | -26% | -37% | +75% | 9.56 | 1.40 | 2.02 | 6.64 | 72.10 | 1.69 | 66.92% | 26.25% | 21.11% | 15.55% | 112.83% | 1.26% | 0.27 | 0.83 | 0.03 | 0.03 | 0.05 | 1326.00% | 1145.00% | -2065.00% | 8.64% | 0.01 | 93.25% | 3.14% | 30.00% | 3.14% | 7.44 | 11.19 | 1.95 | -0.77 |
| MCBS | MetroCity Bankshares, Inc… | $28.10 | 809.79M | +75% | +6% | -40% | +78% | 10.75 | 1.65 | 2.96 | 9.11 | 43.44 | 1.65 | 59.36% | 37.25% | 27.52% | 16.07% | 11.65% | 1.82% | 0.91 | 0.92 | 0.10 | 0.10 | 1.62 | 2475.00% | 1196.00% | -1938.00% | 8.97% | 0.02 | 11.24% | 3.04% | 32.60% | 9.77% | 9.42 | 13.22 | 3.51 | -0.41 |
| ORRF | Orrstown Financial Servic… | $35.94 | 700.79M | +1% | +31% | -32% | +184% | 20.65 | 0.88 | 1.60 | -11.03 | — | 1.14 | 61.20% | 9.79% | 7.76% | 5.64% | -9.07% | 0.52% | 0.41 | 0.30 | 0.24 | 0.24 | -1.04 | -5673.00% | 6299.00% | -1939.00% | 7.33% | 0.01 | -13.73% | 2.89% | 59.80% | 37.07% | -14.87 | -12.39 | -1.46 | -0.63 |
| SMBC | Southern Missouri Bancorp… | $61.91 | 687.71M | -6% | +66% | -10% | +63% | 10.92 | 1.17 | 2.10 | 1.52 | 63.49 | 1.36 | 57.68% | 24.24% | 19.10% | 11.34% | 70.12% | 1.22% | 0.26 | 0.60 | 1.09 | 1.09 | -0.60 | 1719.00% | 1172.00% | 2299.00% | 11.77% | 0.02 | 90.13% | 1.62% | 17.70% | 21.02% | 1.73 | 1.70 | 0.42 | 0.39 |
| SMBK | SmartFinancial, Inc. | $39.21 | 667.72M | -22% | -16% | -25% | +42% | 14.87 | 1.09 | 1.88 | -1.75 | 55.85 | 1.39 | 58.31% | 15.94% | 12.67% | 7.60% | -21.66% | 0.72% | 0.10 | 0.40 | 0.16 | 0.16 | -5.73 | 2663.00% | 1868.00% | 3842.00% | 8.61% | 0.01 | -27.74% | 1.01% | 15.00% | 17.58% | -2.19 | -2.15 | -0.35 | -0.69 |
| SPFI | South Plains Financial, I… | $40.96 | 667.39M | -6% | -27% | -21% | +59% | 11.00 | 1.25 | 1.93 | 0.43 | — | 1.40 | 65.35% | 22.36% | 17.56% | 11.75% | -133.01% | 1.18% | 0.25 | 0.67 | 0.18 | 0.18 | -3.56 | -1934.00% | 1392.00% | 403.00% | 10.25% | 0.02 | -149.89% | 1.67% | 18.40% | 7.18% | 0.47 | 0.53 | 0.11 | -0.51 |
| THFF | First Financial Corporati… | $63.36 | 750.85M | +78% | -16% | +26% | +48% | 9.70 | 1.18 | 2.35 | -0.29 | 14.47 | 1.43 | 77.68% | 30.44% | 24.26% | 13.20% | -77.42% | 1.40% | 0.74 | 1.31 | 4.47 | 4.47 | 3.23 | 6700.00% | 616.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | -0.31 | — | -0.10 | 0.60 |
About Southern California Bancorp
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 offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.
- CEO
- David I. Rainer
- Employees
- 290
- Beta
- 0.29
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($20.88 ÷ $18.84) − 1 = +10.83% (DCF, example).