SharesGrow 7-Criteria Score
All 7 criteria scored · valuation-related highlighted on this page
Southern California Bancorp (BCAL) trades at a trailing P/E of 9.6, forward P/E of 11.2. Trailing earnings yield is 10.45%, forward earnings yield 8.94%. PEG 0.01 (Peter Lynch undervalued ≤1.0). Graham Number is $27.59.
Criteria proven by this page:
- VALUE (83/100, Pass) — P/E is below market average (9.6); PEG ≤ 1.0 — Peter Lynch undervalued (0.01); analyst target implies upside (+13.9%); earnings yield beats bond yields (10.45%).
- PEG Ratio 0.01 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
- Trailing Earnings Yield 10.45% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.
- Analyst consensus target $21.00 (+13.9% upside) — modest upside expected.
Overall SharesGrow Score: 73/100 with 5/7 criteria passed.
SharesGrow 7-Criteria Score
✓
VALUE
83/100
Price-to-Earnings & upside
Proven by this page
✗
HEALTH
33/100
Debt-to-Equity & liquidity
→ Health
Valuation Snapshot — BCAL
Valuation Multiples
P/E (TTM)9.6
Forward P/E11.2
PEG Ratio0.01
Forward PEG1.01
P/B Ratio1.05
P/S Ratio2.55
EV/EBITDA6.7
Per Share Data
EPS (TTM)$1.92
Forward EPS (Est.)$1.65
Book Value / Share$17.59
Revenue / Share$7.11
FCF / Share$1.74
Yields & Fair Value
Earnings Yield10.45%
Forward Earnings Yield8.94%
Dividend Yield1.09%
Graham Number$27.59
SharesGrow IV$27.63 (+49.8%)
Analyst Target$21.00 (+13.9%)
Historical Valuation
| Year |
P/E (TTM) |
PEG Ratio |
P/B Ratio |
P/S Ratio |
Dividend Yield |
| 2016 |
16.6 |
0.31 |
1.12 |
2.74 |
- |
| 2017 |
19.3 |
1.90 |
1.54 |
3.56 |
- |
| 2018 |
17.8 |
-6.76 |
0.92 |
2.99 |
- |
| 2019 |
15.9 |
1.96 |
0.89 |
2.72 |
- |
| 2020 |
25.6 |
-0.68 |
0.72 |
2.23 |
- |
| 2021 |
20.2 |
0.42 |
0.88 |
3.02 |
- |
| 2022 |
18.6 |
0.86 |
1.15 |
3.06 |
- |
| 2023 |
12.2 |
0.21 |
1.10 |
2.49 |
- |
| 2024 |
73.8 |
-0.87 |
0.78 |
2.17 |
- |
| 2025 |
9.7 |
0.01 |
1.06 |
2.62 |
0.53% |
P/E Ratio & Earnings Yield
Earnings Per Share (EPS) History
| Year |
EPS (Diluted) |
Revenue |
Net Income |
Net Margin |
| 2016 |
$0.69 |
$18.21M |
$3.01M |
16.5% |
| 2017 |
$0.74 |
$21.5M |
$3.96M |
18.4% |
| 2018 |
$0.71 |
$31.33M |
$5.26M |
16.8% |
| 2019 |
$0.78 |
$39.65M |
$6.77M |
17.1% |
| 2020 |
$0.49 |
$54.2M |
$4.72M |
8.7% |
| 2021 |
$0.72 |
$71.57M |
$10.71M |
15% |
| 2022 |
$0.88 |
$98.02M |
$16.11M |
16.4% |
| 2023 |
$1.39 |
$126.9M |
$25.91M |
20.4% |
| 2024 |
$0.22 |
$184.58M |
$5.43M |
2.9% |
| 2025 |
$1.93 |
$233M |
$63.06M |
27.1% |
Analyst Estimates
| Year |
EPS (Avg) |
EPS Range |
Revenue (Avg) |
Revenue Range |
Analysts |
| 2026 |
$1.65 |
$1.62 – $1.67 |
$181.74M |
$180.9M – $182.31M |
2 |
| 2027 |
$1.83 |
$1.81 – $1.86 |
$193.71M |
$190.6M – $197.72M |
2 |
