Southern California Bancorp (BCAL) — 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). Check BCAL total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Southern California Bancorp Financial Flexibility Index (2005–2025)
Historical Financial Flexibility Index trend for Southern California Bancorp across 21 annual periods. For the full cash flow conversion analysis, see how efficiently does Southern California Bancorp generate cash.
Annual Financial Flexibility Index for Southern California Bancorp (2005–2025)
Year-by-year free cash flow to debt coverage for Southern California Bancorp. Explore BCAL operating cash to total liabilities to assess how comfortably operating cash covers total debt obligations.
| 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 | — |