Southern California Bancorp (BCAL) — Cash Flow Quality Index
Southern California Bancorp (BCAL) has a Cash Flow Quality Index of 1.04x as of June 2026. Operating cash flow of $14.82 Million exceeds net income of $14.30 Million, indicating high earnings quality where cash backs reported profits. Explore how well can Southern California Bancorp 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 Cash Flow Quality Index (2011–2025)
Historical Cash Flow Quality Index for Southern California Bancorp across 15 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see Southern California Bancorp cash flow conversion.
Annual Cash Flow Quality Index for Southern California Bancorp (2011–2025)
Year-by-year earnings quality comparison for Southern California Bancorp.
| 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 | — |