Southern California Bancorp Common Stock (BCAL) — Cash Flow Quality Index
Southern California Bancorp Common Stock (BCAL) has a Cash Flow Quality Index of -0.60x as of June 2026. Operating cash flow of $-8.54 Million is below net income of $14.30 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can Southern California Bancorp Common Stock service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Southern California Bancorp Common Stock Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Southern California Bancorp Common Stock across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Southern California Bancorp Common Stock cash flow conversion.
Annual Cash Flow Quality Index for Southern California Bancorp Common Stock (2011–2025)
Year-by-year earnings quality comparison for Southern California Bancorp Common Stock.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.91x | $57.29 Million | $63.06 Million | ▼ -90.2% |
| 2024 | 9.26x | $50.29 Million | $5.43 Million | ▲ +624.6% |
| 2023 | 1.28x | $33.10 Million | $25.91 Million | ▲ +54.2% |
| 2022 | 0.83x | $13.35 Million | $16.11 Million | ▼ -54.8% |
| 2021 | 1.84x | $19.65 Million | $10.71 Million | ▼ -29.9% |
| 2020 | 2.62x | $12.36 Million | $4.72 Million | ▲ +111.7% |
| 2019 | 1.24x | $8.37 Million | $6.77 Million | ▼ -12.5% |
| 2018 | 1.41x | $7.43 Million | $5.26 Million | ▲ +50.3% |
| 2017 | 0.94x | $3.73 Million | $3.96 Million | ▼ -28.4% |
| 2016 | 1.31x | $3.95 Million | $3.01 Million | ▲ +42.4% |
| 2015 | 0.92x | $1.76 Million | $1.91 Million | ▲ +145.1% |
| 2014 | 0.38x | $1.53 Million | $4.07 Million | ▼ -17.7% |
| 2013 | 0.46x | $561.49K | $1.23 Million | ▼ -56.4% |
| 2012 | 1.05x | $1.19 Million | $1.14 Million | ▼ -43.7% |
| 2011 | 1.86x | $1.97 Million | $1.06 Million | — |