Southern California Bancorp Common Stock
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans; lines of credit; construction and land develop… Read more
Southern California Bancorp Common Stock (BCAL) - Net Assets
Latest net assets as of December 2025: $576.59 Million USD
Based on the latest financial reports, Southern California Bancorp Common Stock (BCAL) has net assets worth $576.59 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($4.03 Billion) and total liabilities ($3.46 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $576.59 Million |
| % of Total Assets | 14.3% |
| Annual Growth Rate | 22.18% |
| 5-Year Change | 133.88% |
| 10-Year Change | 1192.18% |
| Growth Volatility | 57.47 |
Southern California Bancorp Common Stock - Net Assets Trend (2002–2025)
This chart illustrates how Southern California Bancorp Common Stock's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Southern California Bancorp Common Stock (2002–2025)
The table below shows the annual net assets of Southern California Bancorp Common Stock from 2002 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $576.59 Million | +12.65% |
| 2024-12-31 | $511.84 Million | +77.63% |
| 2023-12-31 | $288.15 Million | +10.68% |
| 2022-12-31 | $260.36 Million | +5.61% |
| 2021-12-31 | $246.53 Million | +45.97% |
| 2020-12-31 | $168.88 Million | +40.13% |
| 2019-12-31 | $120.52 Million | +18.91% |
| 2018-12-31 | $101.36 Million | +103.95% |
| 2017-12-31 | $49.70 Million | +11.38% |
| 2016-12-31 | $44.62 Million | +18.95% |
| 2015-12-31 | $37.51 Million | +11.63% |
| 2014-12-31 | $33.60 Million | +37.45% |
| 2013-12-31 | $24.45 Million | +4.85% |
| 2012-12-31 | $23.32 Million | -0.13% |
| 2011-12-31 | $23.35 Million | +20.63% |
| 2010-12-31 | $19.35 Million | -4.11% |
| 2009-12-31 | $20.18 Million | +17.70% |
| 2008-12-31 | $17.15 Million | -24.25% |
| 2007-12-31 | $22.64 Million | -0.35% |
| 2006-12-31 | $22.72 Million | +266.64% |
| 2005-12-31 | $6.20 Million | -8.00% |
| 2004-12-31 | $6.73 Million | +25.72% |
| 2003-12-31 | $5.36 Million | -6.82% |
| 2002-12-31 | $5.75 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Southern California Bancorp Common Stock's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 13701308300.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $135.81 Million | 23.55% |
| Common Stock | $442.39 Million | 76.73% |
| Other Comprehensive Income | $-1.62 Million | -0.28% |
| Total Equity | $576.59 Million | 100.00% |
Southern California Bancorp Common Stock Competitors by Market Cap
The table below lists competitors of Southern California Bancorp Common Stock ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
NEW PACIFIC METALS
F:3N7A
|
$402.14 Million |
|
BW OFFSHORE LTD. DL 050
F:XY81
|
$402.15 Million |
|
Inner Mongolia North Hauler Joint Stock Co Ltd
SHG:600262
|
$402.30 Million |
|
Elec-Tech International Co Ltd
SHE:002005
|
$402.60 Million |
|
Chengdu Leejun Industrial Co Ltd
SHE:002651
|
$402.01 Million |
|
Anhui Landun Photoelectron Co Ltd
SHE:300862
|
$401.83 Million |
|
Strike Energy Limited
OTCGREY:STKKF
|
$401.33 Million |
|
USEN-NEXT HOLDINGS Co.Ltd.
PINK:USNNF
|
$401.25 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Southern California Bancorp Common Stock's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 511,836,000 to 576,586,000, a change of 64,750,000 (12.7%).
- Net income of 63,058,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 5,020,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $63.06 Million | +10.94% |
| Other Comprehensive Income | $5.02 Million | +0.87% |
| Other Changes | $-3.33 Million | -0.58% |
| Total Change | $- | 12.65% |
Book Value vs Market Value Analysis
This analysis compares Southern California Bancorp Common Stock's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.99x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 2.13x to 0.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2002-12-31 | $8.21 | $17.48 | x |
| 2003-12-31 | $7.65 | $17.48 | x |
| 2004-12-31 | $9.40 | $17.48 | x |
| 2005-12-31 | $7.41 | $17.48 | x |
| 2006-12-31 | $16.50 | $17.48 | x |
| 2007-12-31 | $3.23 | $17.48 | x |
| 2008-12-31 | $6.49 | $17.48 | x |
| 2009-12-31 | $7.63 | $17.48 | x |
| 2010-12-31 | $7.32 | $17.48 | x |
| 2011-12-31 | $7.84 | $17.48 | x |
| 2012-12-31 | $7.14 | $17.48 | x |
| 2013-12-31 | $7.48 | $17.48 | x |
| 2014-12-31 | $9.99 | $17.48 | x |
| 2015-12-31 | $8.78 | $17.48 | x |
| 2016-12-31 | $10.26 | $17.48 | x |
| 2017-12-31 | $9.27 | $17.48 | x |
| 2018-12-31 | $13.77 | $17.48 | x |
| 2019-12-31 | $13.96 | $17.48 | x |
| 2020-12-31 | $17.41 | $17.48 | x |
| 2021-12-31 | $16.53 | $17.48 | x |
| 2022-12-31 | $14.28 | $17.48 | x |
| 2023-12-31 | $15.44 | $17.48 | x |
| 2024-12-31 | $20.79 | $17.48 | x |
| 2025-12-31 | $17.61 | $17.48 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Southern California Bancorp Common Stock utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 10.94%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 27.06%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 7.00x
- Recent ROE (10.94%) is above the historical average (0.56%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2002 | -13.02% | -130.75% | 0.03x | 3.07x | $-1.32 Million |
| 2003 | -7.15% | -34.14% | 0.04x | 4.87x | $-918.66K |
| 2004 | 0.90% | 3.46% | 0.04x | 5.85x | $-612.69K |
| 2005 | -8.45% | -14.57% | 0.07x | 7.87x | $-1.14 Million |
| 2006 | -7.00% | -39.10% | 0.06x | 2.87x | $-3.86 Million |
| 2007 | -1.19% | -6.26% | 0.06x | 3.23x | $-2.53 Million |
| 2008 | -33.78% | -110.82% | 0.05x | 5.79x | $-7.51 Million |
| 2009 | -4.79% | -16.39% | 0.05x | 5.52x | $-2.99 Million |
| 2010 | -3.51% | -9.33% | 0.04x | 9.30x | $-2.61 Million |
| 2011 | 4.54% | 10.51% | 0.05x | 8.06x | $-1.27 Million |
| 2012 | 4.88% | 12.01% | 0.05x | 8.12x | $-1.19 Million |
| 2013 | 5.03% | 13.28% | 0.05x | 8.27x | $-1.22 Million |
| 2014 | 12.11% | 33.32% | 0.04x | 9.47x | $709.46K |
| 2015 | 5.10% | 12.47% | 0.04x | 9.18x | $-1.84 Million |
| 2016 | 6.74% | 16.53% | 0.04x | 9.53x | $-1.45 Million |
| 2017 | 7.98% | 18.44% | 0.04x | 9.66x | $-1.01 Million |
| 2018 | 5.19% | 16.78% | 0.04x | 7.59x | $-4.88 Million |
| 2019 | 5.62% | 17.08% | 0.05x | 6.91x | $-5.28 Million |
| 2020 | 2.80% | 8.71% | 0.03x | 9.35x | $-12.17 Million |
| 2021 | 4.34% | 14.96% | 0.03x | 9.19x | $-13.94 Million |
| 2022 | 6.19% | 16.44% | 0.04x | 8.77x | $-9.92 Million |
| 2023 | 8.99% | 20.42% | 0.05x | 8.19x | $-2.91 Million |
| 2024 | 1.06% | 2.94% | 0.05x | 7.88x | $-45.75 Million |
| 2025 | 10.94% | 27.06% | 0.06x | 7.00x | $5.40 Million |
Industry Comparison
This section compares Southern California Bancorp Common Stock's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Southern California Bancorp Common Stock (BCAL) | $576.59 Million | -13.02% | 6.00x | $402.10 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |