profit from every $100 of sales.
$0$100
Southern California Bancorp
$22.05+0.27% today
+16.5% in 1 year
1-year low $17.321-year high $22.19
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $11.14 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Southern California Bancorp sold, what it kept, and what it did with the cash.
Sales went from $92.2 million in 2022 to $180 million in 2025, with $63.1 million of profit last year.
SalesProfit
Southern California Bancorp handed back 10% of the cash it generated last year.
Buybacks $3M$3M
Free cash flow 2025$57M
Bought back its own shares$3M
Paid as dividends$3M
Cash vs. debt$52M vs. $53M
Southern California Bancorp vs. similar companies
Southern California Bancorp grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Southern California Bancorp | 11.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Southern California Bancorp's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 92 | 98 | 128 | 180 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 16 | 26 | 5 | 63 | |
| 0.88 | 1.39 | 0.22 | 1.93 | |
| – | – | – | – | |
| – | – | – | – | |
| 17.5% | 26.6% | 4.3% | 35.0% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,284 | 2,360 | 4,032 | 4,033 |
| Cash | 60 | 33 | 60 | 52 |
| Total debt | 79 | 115 | 88 | 53 |
| Total liabilities | 2,024 | 2,072 | 3,520 | 3,457 |
| 260 | 288 | 512 | 577 | |
| 18 | 19 | 25 | 33 | |
| – | – | – | – | |
| 6.2% | 9.0% | 1.1% | 10.9% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 13 | 33 | 50 | 57 | |
| 1 | 0 | 1 | 0 | |
| 12 | 33 | 50 | 57 | |
| Dividends paid | – | – | 0 | 3 |
| 1 | 1 | 2 | 3 | |
| 4 | 5 | 6 | 6 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 11.1×
- 13.2×
- 0.37
- 1.1×
- 3.9×
- 9.0%
- 1.1%
Profitability
- 35.0%
- 11.3%
- 5.1%
- 10.6%
- 1.5%
Growth
- +25.0%
- +29.9%
- –
- +22.8%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 20%of 827
Top 23%of 709
Top 33%of 876
Top 18%of 879
Top 36%of 926
What analysts expect
- Average price target
- $22.00
- Range
- $22.00 – $22.00
- 1 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 28, 2026 | 0.42 | 0.41 | +2.4% |
| Jan 28, 2026 | 0.50 | 0.44 | +13.6% |
| Oct 28, 2025 | 0.48 | 0.39 | +23.1% |
| Jul 28, 2025 | 0.43 | 0.43 | +0.0% |
| Apr 24, 2025 | 0.52 | 0.38 | +36.8% |
| Jan 29, 2025 | 0.53 | 0.44 | +20.5% |
| Oct 29, 2024 | 0.33 | 0.05 | +560.0% |
| Aug 12, 2024 | 0.03 | 0.27 | −88.9% |
1.1%of the share price, paid each year
On $1,000 invested$11a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
5.2% of its profit
Room to growStretchedMore than it earns: 5.7%
News
Here’s What UBS Sees in Southern Copper (SCCO)Yahoo Finance · Nov 11, 2026DOJ expected to opine on Union Pacific/Norfolk Southern deal in coming weeks - reportSeeking Alpha · Nov 9, 2026Schneider projects 2026 adjusted EPS of $1-$1.10 as it plans Norfolk Southern as primary Eastern Intermodal rail provider from January 1, 2027Seeking Alpha · Oct 29, 2026TV’s Nick and Vanessa Lachey cut price of Southern California home to $7.6 millionMarketWatch · Oct 28, 2026Great Southern Bancorp outlines $4.4M-$4.8M expense savings beginning in Q4 2026 following 9-branch consolidationSeeking Alpha · Oct 22, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
61Pass
Benjamin Graham
75Pass
Philip Fisher
82Pass
Peter Lynch
100Pass
Joel Greenblatt
29No pass
Charlie Munger
58No pass
Terry Smith
57No pass
Questions about Southern California Bancorp
Is Southern California Bancorp a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Southern California Bancorp AI analysis
What does Southern California Bancorp do?
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. It is in Banks - Regional.
Does Southern California Bancorp pay a dividend?
Yes. At today's price the dividend is 1.1% a year, about 5% of its yearly profit. In 2025 it paid out $3.25 million in dividends.
Is Southern California Bancorp stock halal?
No. Southern California Bancorp does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Southern California Bancorp stock done over the past year?
Up 16.5% over the past twelve months, to $22.05. It traded between $17.32 and $22.19, close to its high.
Who are Southern California Bancorp's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Southern California Bancorp's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.