Southern California Bancorp (BCAL) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2002	2003	2004	2005	2006	2007	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Capitalization, bln $				0.0086	0.0138	0.0713			0.000661	0.136	0.1028		0.2428	0.2857	0.282			0.2099	15.70
Revenue, bln $								0.0182	0.0197	0.0261	0.0318	0.0542	0.0716	0.098	0.0975	0.1278	0.1278	0.0898	18.72
Net profit, bln $								0.003	0.004	0.0053	0.0068	0.0047	0.0107	0.0161	0.0259	0.0054	0.0054	0.0126	2.82
EV, bln $									0.048	0.1845	0.1537	0.3447	0.2754	0.3229	0.4006	0.4161	0.4161	0.3519	3.84
EBIT, bln $	-0.000748	-0.000382	0.0001	-0.000523	-0.0016	-0.000268									0.0369		-0.0015	0.0069	226.14
EBITDA, bln $						-0.000268		0.000473	0.000442	0.000793	0.0013	0.0015	0.0018	0.002	0.0388		0.000389	0.0091	97.23
OIBDA $												0.0058		-0.0123	0.0516			0.0150	107.21
Book value, bln $								0.0446	0.0497	0.1014	0.1074	0.1689	0.2465	0.2604	0.2882	0.5118	0.5118	0.2952	24.82
FCF, bln $								-0.000351	0.003	0.0068	0.0057	0.0106	0.0071	0.0194	0.0302	0.0497	0.0497	0.0234	36.21
Operating Cash Flow, bln $								0.0039	0.0037	0.0074	0.0084	0.0124	0.0197	0.0205	0.0305	0.0503	0.0503	0.0267	32.32
Operating profit, bln $							0.0035	0.0052	0.007	0.0093	0.0103	0.0012		0.0018	0.0388	-0.0687	-0.0687	-0.0033	-246.16
Operating expenses, bln $								0.0029	0.0127	0.0168	0.0215	0.0092	0.0107	0.014	0.0975	0.1278	0.1278	0.0518	69.26
CAPEX, bln $								0.0043	0.000695	0.000654	0.0012	0.0018	0.0018	0.0011	0.000302	0.000552	0.000552	0.0011	-21.05

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Average for 5 quarters	CAGR 5
Capitalization, bln $	0.203	0.2595	0.2785	0.2734	0.2818	0.3024	0.3075	0.2642	0.2747	0.2809						0.2859	-1.46
Revenue, bln $						0.0283	0.0265	0.0245	0.0241	0.0325	0.0219	0.0222	0.0381	0.0455	0.0455	0.0346	15.75
Net profit, bln $						0.0085	0.0082	0.0067	0.0066	0.0044	0.0049	0.00019	-0.0165	0.0168	0.0168	0.0044	27.94
EV, bln $						0.4468	1.09	0.2036	0.2748	0.4022	0.28	0.2665	0.3799	0.5429	0.4382	0.3815	9.37
EBIT, bln $			0.0027	-0.001	0.0094		0.0151	0.0099	0.009	-0.000359	0.0073	0.000278	-0.0225			-0.0013	-220.11
EBITDA, bln $				-0.000569	0.0099	0.000141	0.0156	0.01	0.0095	0.0001	0.0077	0.000711	-0.0218			-0.0008	-218.07
OIBDA $											0.0106	0.0013	-0.0133			-0.0005	-207.86
Book value, bln $						0.2604	0.2675	0.2737	0.2786	0.2882	0.2925	0.2932	0.4981	0.5118	0.5118	0.4215	11.84
FCF, bln $						0.000282	0.0182	0.0119	0.0112	-0.0141	0.008	0.000171	-0.0081	0.0235	0.0235	0.0094	24.05
Operating Cash Flow, bln $						0.0183	0.0183	0.0122	0.0111	-0.014	0.0081	0.000309	-0.0084	0.0236	0.0236	0.0094	23.85
Operating profit, bln $			0.0027	-0.001	0.0136		0.0151	0.0099	0.0094	-0.0344	0.0078	0.000788	-0.0079			-0.0049	-196.58
Operating expenses, bln $					-0.0155	0.0031	-0.0142	-0.0146	-0.0147	0.0041	0.0034	0.0083	0.0381		0.0455	0.0199	61.82
CAPEX, bln $						0.0001	0.0001	0.000204	0.0000	0.0001	0.0001	0.000138	0.000227	0.000142	0.000142	0.0001	7.26

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2007	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Average for 5 years	CAGR 5
Cash, bln $				-0.0062	0.0399	0.0667	-0.0099	-0.012	-0.0224	0.0603	0.033	0.0605	0.0605	0.0239	-238.20
Short-Term Investments $								0.0247	0.0556	0.1126	0.13	0.142	0.142	0.0930	41.88
Long-Term Investments $		0.0001	0.0081	0.0063	0.0234	0.0284		0.0247	0.0556	0.1665	0.1837			0.0918	45.26
Accounts Receivable $	0.000465													0.0005	0.00
Total Current Assets $				0.0698	0.0412	0.0689	0.093	0.2569	0.5841	0.0868	0.257	0.2025	0.2025	0.2775	-4.65
Net assets, bln $		0.0000	0.0043	0.0042	0.0046	0.005	0.0095	0.0151	0.0277					0.0124	43.20
Assets, bln $				0.4251	0.4795	0.7679	0.8333	1.58	2.27	2.29	2.36	4.03	4.03	2.51	20.60
Short-Term Debt $					0.02	0.015	0.0018	0.0121	0.0024	0.0028	0.0877	0.0183	0.0183	0.0247	8.63
Long-Term Debt $					0.02	0.02		0.1996	0.0204	0.0678	0.1029	0.0697	0.0697	0.0921	-18.98
Liabilities, bln $				0.3804	0.4298	0.6666	0.7128	1.41	2.02	2.03	2.07	3.52	3.52	2.21	20.08
Net debt, bln $				0.0062	0.0274	0.0485	0.0449	0.221	0.0518	0.0185	0.082	-0.0422	-0.0422	0.0662	-171.81
Debt, bln $					0.04	0.035	0.035	0.209	0.0294	0.0788	0.115	0.0183	0.0183	0.0901	-38.56
Interest Income $							0.0377	0.0518	0.0678	0.0936	0.1235			0.0749	26.78
Interest Expense, bln $				0	0	0.000104	0.00071	0.002	0.0013	0.0012	0.0294	0.0568	0.0568	0.0181	95.28
Net interest income, bln $							0.0309	0.0459	0.0644	0.0936	0.1235		0.1235	0.0717	31.93
Goodwill $								0.0197	0.0368	0.0378	0.0378			0.0330	17.69
Amortization, bln $				0.000473	0.000442	0.000793	0.0013	0.0015	0.0018	0.002	0.0019	0.0036	0.0036	0.0022	19.14
Cost of production, bln $								-0.0059		-0.0058	-0.0294	-0.052	-0.052	-0.0233	72.30
Inventory $			0.0001	0.000235										0.0002	53.30

	2006Q1	2006Q2	2006Q3	2007Q1	2007Q2	2007Q3	2007Q4	2017Q1	2017Q4	2018Q1	2018Q4	2019Q1	2019Q3	2020Q3	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Average for 5 quarters	CAGR 5
Cash, bln $																							-0.0603	0.1021	0.1046	0.0335	0.033	0.0537	0.0292	0.1152	0.0605	0.0605	0.0638	2.41
Short-Term Investments $																							0.1126	0.1244	0.1199	0.1118	0.13	0.127	0.1237	0.1593	0.142	0.142	0.1388	2.26
Long-Term Investments $									0.000208	0.0209	0.0284	0.0237	0.0167										0.1665	0.1783	0.1737	0.1655	0.1837						0.1735	1.99
Accounts Receivable $	0.000237	0.000249	0.000297	0.000479	0.000409	0.000497	0.000465																	0.0145	0.0119	0.0104							0.0076	83.71
Total Current Assets $																						0.1765	0.1027	0.1586	0.2364	0.1558	0.094	0.1068	0.1047	0.2745		0.2025	0.1565	16.59
Net assets, bln $														0.0133	0.0151	0.0178	0.0177	0.0152	0.0277	0.0279	0.0283	0.0238	0.0229										0.0261	-3.73
Assets, bln $																							2.29	2.29	2.31	2.31	2.37	2.29	2.29	4.36	4.03	4.03	3.40	11.97
Short-Term Debt $									0.000178										0.0024				0.0028	0.0109	0.0104	0.0127	0.0877	0.0291	0.0109	0.0192			0.0319	8.62
Long-Term Debt $													0.0352										0.0678	0.8998	0.0328	0.0258	0.1029	0.0449	0.0429	0.0691	0.0697		0.0659	-7.50
Liabilities, bln $																							2.03	2.02	2.04	2.04	2.08	2	2	3.86	3.52	3.52	2.98	11.97
Net debt, bln $																							0.1391	0.8086	-0.0614	0.005	0.082	0.0026	0.0247	-0.0268	0.0093	0.0276	0.0075	60.39
Debt, bln $									0.000355														0.0788	0.9107	0.0432	0.0385	0.115	0.0563	0.0538	0.0884		0.088	0.0803	-5.21
Interest Income $																				0.0185	0.0216	0.0254	0.0281	0.0292	0.0303	0.0315	0.0326						0.0303	3.02
Interest Expense, bln $																							0.000315	0.0043	0.0068	0.0082	0.0011	0.0108	0.0108	0.0172	0.018	0.018	0.0150	10.76
Net interest income, bln $																				0.0185	0.0216	0.0254	0.0281	0.0292	0.0303	0.0315	0.0326	0.0313					0.0310	1.40
Goodwill $																			0.0368	0.0368	0.0368	0.0378	0.0378	0.0378	0.0378	0.0378	0.0378						0.0378	0.00
Amortization, bln $																						0.000515	0.000141	0.000503	0.0001	0.000498	0.000439	0.000435	0.000433	0.000687		0.0016	0.0007	29.52
Cost of production, bln $																								-0.0027				-0.0108	-0.0108	-0.0176			-0.0105	59.79
Inventory $								0.000146																0.1233	0.1112	0.1022							0.0842	414.37

Share

IFRS

Reporting Annual Quarterly

	2006	2007	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS			0.71	0.8281	0.7555	0.7847	0.4868	0.7181	0.884	1.39	0.1961		0.1961	0.7350	-16.63
Share price				13.32	14.92	12.77	10.03	14.34	16.83	17.35	16.54	14.4	14.4	15.89	0.08
Number of shares, mln		7		0.0496	9.12	8.63	9.7	14.91	18.23	18.66	27.71		27.71	17.84	23.36
FCF/share	-0.69			61.15	0.7431	0.6553	1.09	0.4779	1.06	1.62	1.8		1.8	1.21	10.55

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	Average for 5 quarters	CAGR 5
EPS						0.47	0.4417	0.3613	0.3511	0.2356	0.2625	0.0101	-0.5942	0.5198	0.6054		0.1607	18.19
Share price			15.37	15.02	15.42	16.41	16.51	14.21	14.71	15					14.78	14.4	14.62	0.27
Number of shares, mln	14.01	16.93	18.11	18.2	18.28	18.42	18.62	18.6	18.67	18.73							18.61	0.33
FCF/share						0.0153	0.977	0.6424	0.5976	-0.7529	0.4236	0.0091	-0.2936	0.728	0.8478		0.3430	14.89

Efficiency

IFRS

Reporting Annual Quarterly

	2002	2003	2004	2005	2006	2007	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %							6.74	8.41	6.96	6.49	3.26	5.16	6.36	9.45	1.36		1.36	-47.34	5.12	-16.04
ROA, %							0.708	0.8775	0.843	0.846	0.3915	0.5571	0.7075	1.11	0.17		0.17	10.67	0.5872	-15.37
ROIC, %												38.81	8.14	7.81				6.57	18.25	-41.40
ROS, %								18.44	16.78	17.08	8.71	14.96	16.44	26.57	4.25	4.25	4.25	26.44	13.29	-22.25
ROCE, %	-13.01	-7.13	0.9024	-8.44	-7	-0.3666								3.75		-0.2989	-0.2989	-61.28	-2.4711	-48.73
EBIT margin														37.79		-1.2	-1.2	33.41	18.29	-117.82
EBITDA margin							2.6	2.06	2.53	3.23	2.68	2.46	2.08	39.76		0.3045	0.3045	37.49	9.46	-35.27
Net margin							16.53	20.13	20.14	21.29	8.71	14.96	16.44	26.57	4.25		4.25	26.43	14.19	-13.37
Operational efficiency, %							28.39	32.41	29.77	25.91	2.3		1.85	39.76	-53.78	-53.78	-53.78	31.91	-12.7300	-287.84
FCF yield, %				-5.95	-6.86			459.07	4.98	5.5		2.93	6.78	10.69					6.18	16.51

	2006Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %					4.46	3.25	2.45	2.46	1.61	1.76	0.0665	-5.22	4.52	3.93			-47.34	1.01	17.43
ROA, %					0.3685	0.359	0.2909	0.2836	0.1886	0.2123	0.0083	-0.4947	0.3996	0.416			10.67	0.1083	14.40
ROIC, %						0.7037	6.86		39.3								6.57	15.62	282.24
ROS, %							27.4	27.23	13.59	22.53	0.856	-43.19	36.83	36.83	4.25	4.25	26.44	7.79	-162.89
ROCE, %				3.78		1.04	3.63	0.4492	-0.0182	0.3649	0.014	-0.9027			-0.2989	-0.2989	-61.28	-0.2243	-196.09
EBIT margin								37.47	-1.11	33.13	1.25	-59.1			-1.2	-1.2	33.41	-5.4240	-151.50
EBITDA margin					0.5	58.79	40.86	39.54	0.2464	35.11	3.2	-57.3			0.3045	0.3045	37.49	-3.6762	-61.31
Net margin					29.91	31.08	27.4	27.23	13.59	22.53	0.856	-43.19	36.83	36.83			26.43	10.77	10.33
Operational efficiency, %				37.87		56.89	40.49	39.01	-105.88	35.63	3.55	-20.78			-53.78	-53.78	31.91	-17.8320	-208.58
FCF yield, %	-6.78	-1.33	2.75	-0.1547	2.94	5.92	4.52	4.06	-5.02									2.48	-211.29

Coefficients

IFRS

Reporting Annual Quarterly

	2006	2007	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E		-265.1	0.1666	25.87	16.06	26.19	20.87	18.89	12.3	84.35		84.35	25.86	32.52	26.35
P/BV		3.15	0.0133	1.34	0.9024	0.7323	0.9067	1.17	1.11	0.8953		0.8953	-12.42	0.9629	4.10
P/S		16.6	0.0307	4.34	2.74	2.28	3.12	3.11	3.27	3.59		3.59	6.65	3.07	9.50
P/FCF	-14.57		0.2178	20.08	18.18		34.08	14.74	0	0	0	0	19.35	17.46	132.32
E/P		-0.0038	6	0.0387	0.0659		0.0441	0.0564	0.0919	0	0	0	0.05	0.0594	18.88
EV/EBIT									10.87	-261.85	-271.96	-271.96	20.36	-174.3133	-392.48
EV/EBITDA			108.6	232.61	120.1	237.15	156.11	158.46	10.33			1029.9	17.58	136.43	-38.78
EV/S			2.23	5.89	3.88	5.92	3.4	3.29	4.11	3.26	3.26	3.26	6.87	3.46	-0.84
EV/FCF			15.84	27.24	27.17	30.28	34.12	16.67	13.29	8.37	8.37	8.37	24.70	16.16	-24.50
Debt/EBITDA			90.42	44.11	27.37	143.83	16.67	38.68	2.97	489.95	47.07	47.07	1.93	119.07	23.07
Netdebt/Ebitda			61.89	61.16	35.1	135.61	3.95	9.09	2.11	210.73	-108.38	-108.38	0.97	23.50	-293.94
Debt/Ratio			0.0833	0.0455	0.042	0.1341	0.01	0.0344	0.0487	0.0045	0.0045	0.0045	0.40	0.0204	-14.76
Debt/Equity			0.8049	0.3453	0.2905	1.25	0.0923	0.3028	0.399	0.0358	6.88	6.88	-1.48	1.54	136.85
Debt/Net Income			10.09	6.66	5.17	44.84	2.13	4.89	4.44	3.37	3.37	3.37	3.28	3.64	9.61
PEG											329.26	329.26	2.52	329.26	0.00
Beta									1.39	1.07	-0.1553	-0.1553	0.34	0.7682	-148.16
Altman Index			0.1609	0.3279	0.3387		2.55		0	0.0707	0.0348	0.0348	42.85	0.6644	-36.15

	2006Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E						37.4	19.01	12.05	8.68	8.95	12.31	12.19	14.97		83.47	27.39			25.86	30.07	17.35
P/BV							1.18	1.04	0.968	0.9686	1.11	0.9481	0.8245	0.8166	1.04	0.8022			-12.42	0.8863	-3.29
P/S							3.21	2.69	2.53	2.6	2.97	2.97	2.66	2.98	3.22	2.64			6.65	2.89	-2.33
P/FCF	-14.75			-75.41	36.43	-646.44	33.99	16.9	22.12	24.61	-19.92								19.35	15.54	-189.86
E/P		0.0173	0.013	0.0052	-0.0027	0.0246	0.028	0.0267	0.0254	0.0239	0.0157								0.05	0.0239	-10.93
EV/EBIT										30.46	-1120.37	38.58	958.47	-16.86			-271.96	-271.96	20.36	87.25	-247.78
EV/EBITDA							35.26	43.34	20.32	7.8	11.43	9.97	14.5	-28.44					17.58	3.05	-229.53
EV/S									8.3	11.41	12.39	12.78	12.01	9.97	11.92	9.62	3.26	3.26	6.87	7.61	-20.03
EV/FCF									17.04	24.63	-28.53	35.15	1558.2	-46.7	23.12	18.65	8.37	8.37	24.70	2.36	-170.91
Debt/EBITDA							559.04	58.54	4.31	4.04	1437.28	7.32	75.73	-4.05			47.07	47.07	1.93	34.63	45.09
Netdebt/Ebitda							131.42	51.97	-6.13	0.5234	1024.68	0.3424	34.73	1.23			-108.38	-108.38	0.97	-36.0915	-416.29
Debt/Ratio								0.3973	0.0187	0.0166	0.0486	0.0246	0.0235	0.0203		0.0218	0.0045	0.0045	0.40	0.0149	-28.15
Debt/Equity								3.4	0.1579	0.1382	0.399	0.1926	0.1836	0.1774		0.172	6.88	6.88	-1.48	2.86	106.42
Debt/Net Income								110.74	6.43	5.87	26.06	11.41	283.39	-5.37		5.25	3.37	3.37	3.28	58.00	-58.79
PEG																	329.26	329.26	2.52	329.26	0.00
Beta																1.82	0.1167	-0.1553	0.34	0.5938	-144.03
Altman Index				0.446	0.4086	0.4188	0.9191									0.0707	0.0348	0.0348	42.85	0.2956	-39.20

Dividends

IFRS

Reporting Annual Quarterly

	2021	2022	2023	LTM	Industry average	Average for 5 years	CAGR 5
Div. payout, bln	0.0938	0.0115	0.0115			0.0389	-50.32
Dividend				0
Dividend yield, %				0	1.81
Dividends / profit, %	876.03	582.23	44.36	44.36	56.58	500.87	-63.00

	2023Q1	2023Q2	2023Q4	Industry average	Average for 5 quarters	CAGR 5
Div. payout, bln	6.7E-5	0.015	0.154		0.0564	1219.72
Dividends / profit, %	0.8147	223.67	3490.48	56.58	1238.32	1524.16

	Industry average	Average for 5 quarters	CAGR 5

Other

IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Revenue, %	3.66	2.45	1.17	0.3097	0.432	0.432	-34.78

	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	CAGR 5
CAPEX/Revenue, %	0.4063	0.6218	0.5956	0.3118	0.3118	-5.16

	CAGR 5

Investing Port

Southern California Bancorp

Reporting Southern California Bancorp

Capitalization

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Efficiency

Coefficients

Dividends

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