Southern California Bancorp (BCAL) & Its Peers Critical Review

Southern California Bancorp (NASDAQ:BCAL) is one of 156 public companies in the “National commercial banks” industry, but how does it contrast to its rivals? We will compare Southern California Bancorp to similar companies based on the strength of its risk, profitability, analyst recommendations, dividends, institutional ownership, earnings and valuation.

Profitability

This table compares Southern California Bancorp and its rivals’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Southern California Bancorp	20.42%	9.35%	1.12%
Southern California Bancorp Competitors	16.86%	10.77%	1.02%

Valuation and Earnings

This table compares Southern California Bancorp and its rivals revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Southern California Bancorp	$126.90 million	$25.91 million	10.14
Southern California Bancorp Competitors	$11.62 billion	$2.03 billion	10.68

Southern California Bancorp’s rivals have higher revenue and earnings than Southern California Bancorp. Southern California Bancorp is trading at a lower price-to-earnings ratio than its rivals, indicating that it is currently more affordable than other companies in its industry.

Insider & Institutional Ownership

55.4% of Southern California Bancorp shares are owned by institutional investors. Comparatively, 55.6% of shares of all “National commercial banks” companies are owned by institutional investors. 35.9% of Southern California Bancorp shares are owned by insiders. Comparatively, 8.6% of shares of all “National commercial banks” companies are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Ratings

This is a summary of recent recommendations for Southern California Bancorp and its rivals, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southern California Bancorp	0	1	1	0	2.50
Southern California Bancorp Competitors	1345	7495	6752	283	2.38

As a group, “National commercial banks” companies have a potential upside of 41.33%. Given Southern California Bancorp’s rivals higher probable upside, analysts plainly believe Southern California Bancorp has less favorable growth aspects than its rivals.

Summary

Southern California Bancorp rivals beat Southern California Bancorp on 7 of the 12 factors compared.

About Southern California Bancorp

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, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.