Southern California Bancorp (BCAL) is a Banks - Regional company in the Financial Services sector, currently trading at $18.44. It has a SharesGrow Score of 73/100, indicating a above average investment profile with 5 out of 7 criteria passed.
SharesGrow calculates the intrinsic value of BCAL = $27.63 (+49.8% from the current price, the stock appears undervalued). Analyst consensus target is BCAL = $21 (+13.9% upside).
Valuation: BCAL trades at a trailing Price-to-Earnings (P/E) of 9.6 (S&P 500 average ~25) with a forward Price/Earnings-to-Growth (PEG) of 0.86.
Financials: revenue is $233M, +33.7%/yr average growth. Net income is $63M, growing at +347.5%/yr. Net profit margin is 27.1% (strong). Gross margin is 79.4% (-8.6 pp trend).
Balance sheet: total debt is $72M against $577M equity (Debt-to-Equity (D/E) ratio 0.12, conservative). Current ratio is 0.24 (tight liquidity). Debt-to-assets is 1.8%. Total assets: $4.0B.
Analyst outlook: 2 / 3 analysts rate BCAL as buy (67%) — moderate consensus.
SharesGrow 7-Criteria breakdown: Value 83/100 (Pass), Growth 100/100 (Pass), Past 100/100 (Pass), Health 33/100 (Fail), Moat 49/100 (Partial), Future 61/100 (Pass), Income 85/100 (Pass).
