Watch Southern California Bancorp Common Stock for free: we tell you when fair value or trend changes.

Southern California Bancorp (BCAL) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Southern California Bancorp stock $17.61, price $21.79, that is 19.2% below the price, quality 48 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

6 models, one by oneBear $15.67 to bull $23.91 Growth analysisrevenue history, year by year Quality 48/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 4, 2026

Southern California Bancorp

BCAL · US

Expensive, weak quality

Our calculation puts a fair price 19% below what the stock costs today.

Healthy Growth (revenue 5y +34.3 %/yr in USD)

Highly profitable · 32.2% net margin (TTM)

0.5% dividend yield · Low payout

Broad data

Quality 48/100

Moderate moat 64/100 · thin data

Insiders bought $9,959 (6M) · sold $158,925

Fair value $17.61 · Overvalued (−19.2%)

Trails peers (5/14)

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range $11.90 – $22.19 · fair‑value band $15.67 – $23.91 · the $21.79 price screens above the $17.61 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States.

Show moreShow less

The company offers checking, savings, and money market accounts; and certificates of deposit.

It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit.

In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services.

It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors.

The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.

Stock analysis

Southern California Bancorp (BCAL) currently trades at $21.79, while our model-based Fair Value estimate is $17.61, 19% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Multiples group reads highest at a median of $21.35 per share, and 1 of the 6 models we run sit above the $21.79 price.

Bear case: the Asset-Based group reads lowest at $9.32, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $15.67 (bear) to $23.91 (bull), the price of $21.79 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 48/100 (below-average quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Southern California Bancorp Common Stock reported revenue of $237M in FY2025 versus $71.6M in FY2021, a compound +34.9%/yr. Reported net income was $63.1M in FY2025, compounding +55.8%/yr from FY2021.

Key figures

Market cap $709M Small · P/E ratio 12.0 · P/S ratio 3.90 · EPS (TTM) $1.81 · Dividend yield 0.5% · Net margin 32.2% · Return on equity 10.2% · Return on assets (EBIT) 1.1% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (low confidence).

What moves the price

The share trades about 2% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −19%, BCAL screens cheaper than that median.

Fair Value models

Bear $15.67 Fair Value $17.61 Bull $23.91

Price $21.79 · Downside -19.2%

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($1.46 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Residual Income $15.67 $17.61 $23.91 76

Gordon GGM $0.8600 $1.68 $2.48 67

DDM Multi-Stage $0.8600 $1.47 $1.78 67

All 6 models by family

Dividend Discount

Gordon GGM $0.8600 $1.68 $2.48 67

DDM Multi-Stage $0.8600 $1.47 $1.78 67

Multiples

P/E Multiple $19.12 $25.50 $31.87 63

P/B Multiple $12.90 $17.20 $21.50 55

Asset-Based

NCAV (Graham) $6.95 $9.32 $13.91 54

Economic Profit

Residual Income $15.67 $17.61 $23.91 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 37

How much profit the company makes from its sales and capital

Quality Growth 84

Are margins and returns getting better?

Cashflow 77

Do the profits arrive as real cash?

Financial strength 4

Debt, balance sheet and risk of trouble

Investment 33

Does it invest with discipline instead of growing at any price?

Low Volatility 96

How calm the share price moves, does not count

Price momentum 54

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 73

Distance to the 52-week high, does not count

New shares 43

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $9,959, on Sep 4, 2026. Over the same period, one person sold shares worth $158,925.

BuyFrank L. MullerDirector450 shares at $22.13$9,959Sep 4, 2026
SaleLester MachadoDirector7,500 shares at $21.19$158,925Jul 31, 2026
SaleRichard HernandezPresident17,000 shares at $19.12$325,040May 8, 2026
SaleDavid I RainerExecutive Chairman, Director75,000 shares at $19.00$1.4MMay 7, 2026
SaleJean CarandangBank Chief Financial Officer8,000 shares at $17.90$143,200Mar 6, 2026
BuyDavid J. VolkDirector27,000 shares at $18.64$503,280Feb 3, 2026
SaleDavid J. VolkDirector2,346,104 shares at $18.95$44.5MJan 28, 2026

Plus 30 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 95/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+28.4%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+34.2%

Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+34.3%

Start year 2020 (pandemic). Over 10 years: +31.5% a year

Revenue growth 23 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+30.0%

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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

+22.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+22.4%

Dividend (yield on the price)0.5%

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.21.8% vs 10.8%, picking up

Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.13% → 37%

Pace: the 5-year rate starts in 2020 (pandemic)

BCAL screens overvalued: fair value 19% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 5/14 measures

Overall it trails its industry peers.

Valuation

Quality Score 48 · Below median

Fair Value upside −19.2% · Below median

Profitability

Return on equity (12 months) 10.2% · Below median

Return on assets 1.6% · Top 25%

Net margin (12 months) 32.2% · Above median

Operating margin (12 months) 44.9% · Above median

Growth and dividend

Revenue growth (quarter YoY) −5.2% · Bottom 25%

Dividend yield (12 months) 0.5% · Bottom 25%

Balance sheet

Debt / equity 0.06× · Lowest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 12.0× · Pricier than median

P/B 1.23× · Pricier than median

P/S (12 months) 3.90× · Pricier than median

Price / free cash flow (fiscal year) 12.5× · Pricier than median

EV/EBITDA 7.4× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)8 · sector 8

FUTURE (revenue growth)0 · sector 47

PAST (return on equity)41 · sector 43

HEALTH (low debt)–

DIVIDEND (yield)9 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Postal Savings Bank of China Co 601658	¥5.53	¥7.59	+37%	vs BCAL
China Merchants Bank Co 600036	¥42.88	¥52.73	+23%	vs BCAL
BNP Paribas SA BNP	€91.93	€106.01	+15%	vs BCAL
Intesa Sanpaolo S.p.A ISP	€6.18	€4.49	−27%	vs BCAL
State Bank of India SBIN	₹1,019	₹736.65	−28%	vs BCAL
UniCredit S.p.A UCG	€76.80	€50.44	−34%	vs BCAL
Mizuho Financial Group MFG	$9.40	$5.90	−37%	vs BCAL
DBS Group D05	69.72 SGD	40.39 SGD	−42%	vs BCAL
HDFC Bank Limited HDFCBANK	₹788.25	₹406.39	−48%	vs BCAL
ICICI Bank Limited ICICIBANK	₹1,571	₹615.63	−61%	vs BCAL

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Cite: Fair Value Calculator (2026). "Southern California Bancorp Common Stock Fair Value". https://www.fairvalue-calculator.com/stock/BCAL

Frequently asked questions

Is Southern California Bancorp (BCAL) overvalued or undervalued?

As of Nov 4, 2026, our model estimates a fair value of $17.61 versus a price of $21.79, about 19% lower (overvalued).

What is the fair value of BCAL?

Our model-based fair value for Southern California Bancorp is $17.61 (as of Nov 4, 2026), built from audited fundamentals. The current price: $21.79.

What is the quality score of BCAL?

Southern California Bancorp has a Quality Score of 48/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Southern California Bancorp (BCAL)?

Our model-based price target is the fair value of $17.61 (as of Nov 4, 2026) from 6 valuation models. Cautious scenario $15.67, optimistic scenario $23.91. It is a calculation from audited fundamentals, not an analyst target.

What is the Southern California Bancorp Common Stock stock forecast for 2026?

Our models put fair value at $17.61, about 19% lower versus a price of $21.79 (overvalued). Cautious scenario $15.67, optimistic scenario $23.91. The calculation is refreshed regularly with new filings.

What is the revenue of Southern California Bancorp (BCAL)?

Southern California Bancorp reported trailing-twelve-month revenue of about $182M (latest available figure, as of Nov 4, 2026).

Does Southern California Bancorp Common Stock pay a dividend?

Southern California Bancorp currently shows a dividend yield of 0.46% relative to its recent price (as of Nov 4, 2026).

How much is the dividend of Southern California Bancorp (BCAL) and when is the ex-dividend date?

Southern California Bancorp pays a dividend of $0.1 per share a year, a dividend yield of 0.5%. The last ex-dividend date was Sep 21, 2026. The payout ratio is 5.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Southern California Bancorp (BCAL)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Southern California Bancorp it is $17.61 per share (as of Nov 4, 2026), against a price of $21.79. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).

Is Southern California Bancorp Common Stock stock overvalued or undervalued in 2026?

As of Nov 4, 2026, BCAL trades above its calculated fair value: price $21.79, fair value $17.61, a gap of about −19% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of BCAL?

No. The price is what the market pays today ($21.79); the fair value is what the company's own numbers justify ($17.61). For Southern California Bancorp the two are $4.18 per share apart. That gap is exactly why we show both numbers side by side.

How much is Southern California Bancorp Common Stock worth?

The market values Southern California Bancorp at about $709M (market capitalisation, as of Nov 4, 2026). Per share that is $21.79; our models calculate a fair value of $17.61 per share.

What do the bullish and bearish scenarios say about BCAL?

Our models span a range for Southern California Bancorp: cautious scenario $15.67, base $17.61, optimistic $23.91 per share (as of Nov 4, 2026, price $21.79). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of BCAL?

Southern California Bancorp trades at a price-to-earnings ratio of 12.0 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $17.61 is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2017 to 2025), reported earnings, FY2022, FY2024, FY2025 ex one-offs: 18.5. Other multiples: P/B 1.2, P/S 3.9, EV/EBITDA 7.4.

How solid is the balance sheet of Southern California Bancorp (BCAL)?

Balance-sheet figures for Southern California Bancorp (as of Nov 4, 2026): return on equity 10.2%, debt of 0.06 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.

How far is BCAL from its 52-week high?

Southern California Bancorp trades at $21.79, about 2% below its 52-week high of $22.19 and 28% above the low of $17.04 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $17.61 is for.

Which stocks are comparable to Southern California Bancorp Common Stock?

From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Southern California Bancorp Common Stock stock attractive at the current price?

The data as of Nov 4, 2026: price $21.79, calculated fair value $17.61 (−19%), Quality Score 48/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of BCAL calculated?

We run Southern California Bancorp through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $17.61 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. Southern California Bancorp itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Southern California Bancorp (BCAL)?

The closing price on Nov 6, 2026 was $21.79. Our model-based fair value is $17.61, about 19% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Southern California Bancorp Common Stock right now?

Weak quality (48/100) and above fair value at the same time, the margin of safety is missing on both counts. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Southern California Bancorp (BCAL) come from?

Earnings per share at Southern California Bancorp grew +5.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +7.3 %, EBIT margin −0.7 %, tax rate −1.3 %, residual (interest, one-offs) +0.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Southern California Bancorp

How large is the market capitalisation of Southern California Bancorp (BCAL)?

The market capitalisation of Southern California Bancorp is $709M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Southern California Bancorp (BCAL)?

The price-to-sales ratio of Southern California Bancorp is 3.90 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Southern California Bancorp (BCAL)?

Earnings per share at Southern California Bancorp are $1.81 (price ÷ EPS = P/E 12.0). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Southern California Bancorp (BCAL)?

The dividend yield of Southern California Bancorp is 0.5% (payout 5.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Southern California Bancorp (BCAL)?

The net margin of Southern California Bancorp is 32.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Southern California Bancorp (BCAL)?

The return on equity (ROE) of Southern California Bancorp is 10.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Southern California Bancorp (BCAL)?

On an EBIT basis the return on assets of Southern California Bancorp is 1.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Southern California Bancorp (BCAL)?

The operating margin of Southern California Bancorp is 44.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Southern California Bancorp (BCAL)?

Revenue at Southern California Bancorp is growing −5.2% versus a year earlier (3y avg +34.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Southern California Bancorp (BCAL)?

Earnings per share at Southern California Bancorp are growing −10.4% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Southern California Bancorp (BCAL) generate?

The free cash flow of Southern California Bancorp is $56.9M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Southern California Bancorp (BCAL) carry?

The net debt of Southern California Bancorp is $19.7M (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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