BCAL
Southern California BancorpFinancial Services·Banks - Regional
$18.98
$610M market cap
Revenue
$110.8M
Free Cash Flow
$29.1M
Rev Growth
+0.0%
FCF Margin
26.3%
P/FCF
21.0x
EV/FCF
10.6x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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, let
2-Year Price History
$19.02+38.1%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 55.7 | 19.1 | 19.1 | 13.8 | 8.5 | 8.3 | -0.2 | 355.0 | 53.4 | 32.7 | 23.1% | 1.6x | -- |
| Act | 2025-Q4 | 55.1 | 22.4 | 22.4 | 16.4 | 20.9 | 20.8 | -0.1 | 286.9 | 71.7 | 32.8 | 25.4% | 1.7x | -- |
Valuation & Metrics
Market Stats
Price$18.98
Market Cap$610M
Enterprise Value$309M
P/S Ratio5.5x
P/FCF21.0x
EV/FCF10.6x
FCF Margin (TTM)26.3%
FCF Yield4.8%
Dividend Yield (TTM)1.1%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$110.8M
Net Income$30.2M
Free Cash Flow$29.1M
Revenue Growth (YoY)+0.0%
EBITDA Margin37.4%
Net Margin27.3%
FCF Margin26.3%
CapEx % of Revenue0.3%
SBC % of Revenue0.0%
ROIC24.2%
WC Change % Rev0.0%
Interest Coverage1.7x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.7M
Days to Cover4.0
Change (vs Prior)-8.8%
Need at least 2 settlement dates for chart
Employees
Headcount290
Revenue / Employee$381,979
Gross Profit / Employee$312,331
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
49.2%(+10.6% YoY)
136 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
13.9%(+4.5% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.3%(+0.1% YoY)
6 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $47.6M | $16.82 | −$3.5M | +$46.8M | -0.3% | $533.98B |
| ALLIANCEBERNSTEIN L.P. | $40.1M | $13.93 | −$3.5M | −$6.8M | -0.3% | $307.70B |
| FJ Capital Management LLC | $36.4M | $15.39 | +$13.9M | +$17.7M | -0.8% | $888M |
| ENDEAVOUR CAPITAL ADVISORS INC | $32.2M | $14.24 | +$958K | −$11.3M | -1.7% | $441M |
| BlackRock, Inc.Passive | $25.8M | $14.77 | +$430K | −$434K | -0.2% | $5.69T |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $18.5M | $17.72 | +$18.5M | +$18.5M | — | $4.04T |
| BANC FUNDS CO LLC | $14.7M | $14.67 | +$1.2M | −$6.2M | -1.3% | $537M |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $14.1M | $14.41 | +$619K | +$346K | -0.2% | $113.45B |
| STATE STREET CORPPassive | $13.7M | $15.98 | +$6.1M | +$6.8M | -0.2% | $2.89T |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $9.9M | $14.61 | +$256K | +$52K | +2.3% | $1.61T |
| DIMENSIONAL FUND ADVISORS LPPassive | $8.3M | $16.81 | +$2.8M | +$6.4M | -0.4% | $480.92B |
| KENNEDY CAPITAL MANAGEMENT LLC | $7.6M | $16.02 | +$1.2M | +$5.9M | -1.5% | $4.72B |
| MENDON CAPITAL ADVISORS CORP | $7.2M | $15.58 | +$2.6M | −$474K | -3.0% | $254M |
| AMERICAN CENTURY COMPANIES INC | $6.5M | $17.57 | +$3.9M | +$5.8M | +0.7% | $193.48B |
| RMB Capital Management, LLC | $6.1M | $15.14 | +$1.8M | −$1.1M | +0.2% | $5.56B |
| MORGAN STANLEY | $4.8M | $16.57 | +$783K | +$2.6M | -0.3% | $1.65T |
| Elizabeth Park Capital Advisors, Ltd. | $4.5M | $18.19 | +$2.0M | +$4.5M | -1.0% | $130M |
| Siena Capital Partners GP, LLC | $3.7M | $14.92 | +$0 | +$0 | -0.4% | $385M |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.6M | $16.42 | +$780K | +$2.5M | -2.3% | $4.93B |
| Petiole USA ltd | $3.4M | $14.17 | −$58K | −$58K | -1.6% | $143M |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)NEUTRAL
Holders
-0.64%
avg per quarter
Holders (ex-self)
-0.61%
excl. this stock
Buyers (this Q)
-0.44%
75 buyers · $0.08B in
Sellers (this Q)
-0.61%
37 sellers · $0.02B out
alpha coverage: 94% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
+3.5%
how holders react when this stock falls
On quiet Qs
+3.6%
−10% to +10% baseline
On rallies (+10%+)
-7.4%
how they react when this stock rises
Holders' portfolio flow this Q
+2.7%
inflows — adds are organic
Sellers' portfolio flow this Q
+5.6%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-3.5%
Holder mid (any stock)
-3.3%
Holder rally (any stock)
-6.5%
Biggest decreases this quarter
MARSHALL WACE, LLPexited−$4.1MALLIANCEBERNSTEIN L.P.−$3.5Mα-0.3WELLINGTON MANAGEMENT GROUP LLP−$3.5Mα-0.3ZACKS INVESTMENT MANAGEMENTexited−$1.8MTUDOR INVESTMENT CORP ET ALexited−$972KTrexquant Investment LPexited−$546KPharVision Advisers, LLCexited−$309KFRANKLIN RESOURCES INCexited−$272KCentiva Capital, LPexited−$216KQuadrature Capital Ltdexited−$204K
New buyers this quarter
Top-5 holders · 47.0%
WELLINGTON MANAGEMENT GROUP LLP--
ALLIANCEBERNSTEIN L.P.--
FJ Capital Management LLC--
ENDEAVOUR CAPITAL ADVISORS INC--
BlackRock, Inc.--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP2.7MFourthstone LLC10KALLIANCEBERNSTEIN L.P.2.1MCastle Creek Capital Partners VI, LP—ENDEAVOUR CAPITAL ADVISORS INC1.8MFJ Capital Management LLC2.1MBANC FUNDS CO LLC831KMANUFACTURERS LIFE INSURANCE COMPANY, THE795KKENNEDY CAPITAL MANAGEMENT LLC431KMENDON CAPITAL ADVISORS CORP404K
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Analyst Coverage
Analyst Coverage
Price Targets
Last Quarter (1 analysts)$22.001590.0%
Last Year (3 analysts)$20.67890.0%
Current Price$18.98
Analyst Ratings
2
1
Buy: 2Hold: 1Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$503K
1 txn · 1 insider · 27,000 sh
Sells ($, 12mo)
$46.35M
4 txns · 4 insiders · 2,446,104 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-08 | SELL | Hernandez Richard | officer: President | 17,000 | $19.12 | $325K | $1.39M |
| 2026-05-07 | SELL | Rainer David I | director, officer: Executive Chairman | 75,000 | $19.00 | $1.43M | $6.77M |
| 2026-03-06 | SELL | Carandang Jean | officer: Bank Chief Financial Officer | 8,000 | $17.90 | $143K | $665K |
| 2026-02-03 | BUY | Volk David J. | director | 27,000 | $18.64 | $503K | $526K |
| 2026-01-28 | SELL | Volk David J. | director | 2,346,104 | $18.95 | $44.46M | $71K |
Order Flow (FINRA, ~3w lag)
16.4%retail+2.9pp
17.0%dark+0.2pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
California BanCorp: Minimalist Disclosure Masks Latent Banking Risks
Overall Risk
3/10
Fraud
1/10
Dilution
1/10
Insolvency
1/10
Earnings Overstated
1/10
Hidden Liabilities
1/10
Legal
1/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10