Southern California Bancorp Financial Flexibility Index
Southern California Bancorp financial flexibility index. Southern California Bancorp (BCAL) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of $15.33 Million (operating CF $14.82 Million minus capex $516.00K) represents 0% of total liabilities ($3.44 Billion). See BCAL cash flow after capex ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Southern California Bancorp (2005–2025)
Financial flexibility index of Southern California Bancorp from 2005 to 2025. Historical Financial Flexibility Index trend for Southern California Bancorp across 21 annual periods. Check BCAL cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Southern California Bancorp Financial Flexibility Index by Year (2005–2025)
Southern California Bancorp financial flexibility index by year from 2005 to 2025. Year-by-year free cash flow to debt coverage for Southern California Bancorp. For the full cash flow conversion analysis, see cash efficiency ratio of Southern California Bancorp.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $57.64 Million | $57.29 Million | $3.46 Billion | ▲ +15.4% |
| 2024 | 0.01x | $50.84 Million | $50.29 Million | $3.52 Billion | ▼ -10.4% |
| 2023 | 0.02x | $33.40 Million | $33.10 Million | $2.07 Billion | ▲ +126.0% |
| 2022 | 0.01x | $14.43 Million | $13.35 Million | $2.02 Billion | ▼ -32.7% |
| 2021 | 0.01x | $21.41 Million | $19.65 Million | $2.02 Billion | ▲ +5.8% |
| 2020 | 0.01x | $14.13 Million | $12.36 Million | $1.41 Billion | ▼ -25.5% |
| 2019 | 0.01x | $9.58 Million | $8.37 Million | $712.77 Million | ▲ +11.0% |
| 2018 | 0.01x | $8.08 Million | $7.43 Million | $667.65 Million | ▲ +17.9% |
| 2017 | 0.01x | $4.42 Million | $3.73 Million | $430.57 Million | ▼ -52.6% |
| 2016 | 0.02x | $8.25 Million | $3.95 Million | $380.43 Million | ▲ +225.7% |
| 2015 | 0.01x | $2.04 Million | $1.76 Million | $306.82 Million | ▲ +16.4% |
| 2014 | 0.01x | $1.63 Million | $1.53 Million | $284.66 Million | ▼ -58.3% |
| 2013 | 0.01x | $2.44 Million | $561.49K | $177.66 Million | ▲ +33.2% |
| 2012 | 0.01x | $1.71 Million | $1.19 Million | $166.01 Million | ▼ -20.0% |
| 2011 | 0.01x | $2.12 Million | $1.97 Million | $164.86 Million | ▲ +106.2% |
| 2010 | 0.01x | $1.00 Million | $591.41K | $160.60 Million | ▲ +159.7% |
| 2009 | -0.01x | $-953.95K | $-990.37K | $91.32 Million | ▼ -317.6% |
| 2008 | 0.00x | $-205.58K | $-470.27K | $82.18 Million | ▼ -102.6% |
| 2007 | 0.10x | $4.89 Million | $4.24 Million | $50.50 Million | ▲ +555.3% |
| 2006 | -0.02x | $-902.00K | $-926.00K | $42.45 Million | ▼ -900.1% |
| 2005 | 0.00x | $113.00K | $-198.69K | $42.55 Million | — |