Financials Southern California Bancorp

Equities

BCAL

US84252A1060

Banks

Market Closed - Nasdaq Other stock markets 01:30:00 10/05/2024 am IST			5-day change	1st Jan Change
14 ^USD	+0.36%		+0.72%	-19.31%

29/04	Southern California Bancorp Reports Earnings Results for the First Quarter Ended March 31, 2024	CI
15/03	Tranche Update on Southern California Bancorp's Equity Buyback Plan announced on June 15, 2023.	CI

Valuation

Fiscal Period: December	2022	2023	2024	2025
Capitalization ¹	301.9	317.8	258.5	-
Enterprise Value (EV) ¹	301.9	317.8	258.5	258.5
P/E ratio	19.1 x	12.5 x	31 x	7.69 x
Yield	-	-	-	-
Capitalization / Revenue	-	3.26 x	1.88 x	1.34 x
EV / Revenue	-	3.26 x	1.88 x	1.34 x
EV / EBITDA	-	-	-	-
EV / FCF	-	-	-	-
FCF Yield	-	-	-	-
Price to Book	-	1.11 x	0.85 x	0.77 x
Nbr of stocks (in thousands)	17,940	18,319	18,527	-
Reference price ²	16.83	17.35	13.95	13.95
Announcement Date	06/04/23	30/01/24	-	-

¹USD in Million²USD

Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December	2022	2023	2024	2025
Net sales ¹	-	97.52	137.4	192.4
EBITDA	-	-	-	-
EBIT ¹	-	37.77	52.89	88.57
Operating Margin	-	38.73%	38.5%	46.02%
Earnings before Tax (EBT) ¹	-	36.86	38.4	82.39
Net income ¹	16.11	25.91	11.51	58.52
Net margin	-	26.57%	8.38%	30.41%
EPS ²	0.8800	1.390	0.4500	1.815
Free Cash Flow	-	-	-	-
FCF margin	-	-	-	-
FCF Conversion (EBITDA)	-	-	-	-
FCF Conversion (Net income)	-	-	-	-
Dividend per Share	-	-	-	-
Announcement Date	06/04/23	30/01/24	-	-

¹USD in Million²USD

Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1
Net sales ¹	24.52	24.08	22.46	21.91	22	46.61	46.87	46.57
EBITDA	-	-	-	-	-	-	-	-
EBIT ¹	-	-	7.118	7.475	7.094	18.39	19.93	20.59
Operating Margin	-	-	31.7%	34.12%	32.25%	39.46%	42.52%	44.21%
Earnings before Tax (EBT) ¹	9.93	9.391	6.294	7.257	7.03	3.1	18.4	19.33
Net income ¹	6.718	6.556	4.412	4.935	4.994	-11.48	13.08	13.7
Net margin	27.4%	27.23%	19.65%	22.53%	22.7%	-24.63%	27.91%	29.42%
EPS ²	0.3600	0.3500	0.2400	0.2600	0.2700	-0.3550	0.4100	0.4300
Dividend per Share	-	-	-	-	-	-	-	-
Announcement Date	25/07/23	26/10/23	30/01/24	29/04/24	-	-	-	-

¹USD in Million²USD

Estimates

Balance Sheet Analysis

Fiscal Period: December	2022	2023	2024	2025
Net Debt	-	-	-	-
Net Cash position	-	-	-	-
Leverage (Debt/EBITDA)	-	-	-	-
Free Cash Flow	-	-	-	-
ROE (net income / shareholders' equity)	-	9.48%	4.7%	10.6%
ROA (Net income/ Total Assets)	-	1.12%	0.57%	1.3%
Assets ¹	-	2,313	2,038	4,519
Book Value Per Share ²	-	15.70	16.40	18.20
Cash Flow per Share	-	-	-	-
Capex	-	-	-	-
Capex / Sales	-	-	-	-
Announcement Date	06/04/23	30/01/24	-	-

¹USD in Million²USD

Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Ratings for Southern California Bancorp

Trading Rating

Investor Rating

ESG Refinitiv

More Ratings

Analysts' Consensus

Sell

Buy

Mean consensus

OUTPERFORM

Number of Analysts

Last Close Price

13.95 USD

Average target price

18.25 USD

Spread / Average Target

+30.82%

Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Commercial Banks

	1st Jan change	Capi.
SOUTHERN CALIFORNIA BANCORP	-19.31%	258M
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CHINA CITIC BANK CO., LTD.	+25.82%	46.21B
JAPAN POST BANK CO., LTD.	+9.44%	36.11B
QATAR NATIONAL BANK (Q.P.S.C.)	-15.79%	35.65B
INVEST BANK	-96.60%	32.24B
FIFTH THIRD BANCORP	+12.06%	26.31B

Commercial Banks