Southern California Bancorp (BCAL) - Net Assets
Based on the latest financial reports, Southern California Bancorp (BCAL) has net assets worth $586.64 Million USD as of June 2026. 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 ($3.44 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. Check asset allocation strategy of Southern California Bancorp to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $586.64 Million |
| % of Total Assets | 14.57% |
| Annual Growth Rate | 22.18% |
| 5-Year Change | 133.88% |
| 10-Year Change | 1192.18% |
| Growth Volatility | 57.47 |
Southern California Bancorp - Net Assets Trend (2002–2025)
This chart illustrates how Southern California Bancorp's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Southern California Bancorp (BCAL) total market value.
Annual Net Assets for Southern California Bancorp (2002–2025)
The table below shows the annual net assets of Southern California Bancorp from 2002 to 2025. Also explore BCAL year-over-year net asset growth to track the company's year-over-year net asset growth rate.
| 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'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 Competitors by Market Cap
The table below lists competitors of Southern California Bancorp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Coastal Financial Corp
NASDAQ:CCB
|
$700.99 Million |
|
Shanghai Yanpu Metal Products Co Ltd
SHG:605128
|
$701.04 Million |
|
Campus Activewear Limited
NSE:CAMPUS
|
$701.17 Million |
|
Daheng New Epoch Technology Inc
SHG:600288
|
$701.18 Million |
|
Huayi Compressor Co Ltd
SHE:000404
|
$700.70 Million |
|
Yuhuan CNC Machine Tool Co Ltd
SHE:002903
|
$700.66 Million |
|
American Woodmark Corporation
NASDAQ:AMWD
|
$700.65 Million |
|
Momentum Group AB (publ)
ST:MMGR-B
|
$700.56 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Southern California Bancorp'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.
- Dividend payments of 3,253,000 reduced retained earnings.
- Share repurchases of 6,029,000 reduced equity.
- Other comprehensive income increased equity by 5,020,000.
- Other factors increased equity by 5,954,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $63.06 Million | +10.94% |
| Dividends Paid | $3.25 Million | -0.56% |
| Share Repurchases | $6.03 Million | -1.05% |
| Other Comprehensive Income | $5.02 Million | +0.87% |
| Other Changes | $5.95 Million | +1.03% |
| Total Change | $- | 12.65% |
Book Value vs Market Value Analysis
This analysis compares Southern California Bancorp'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: 1.24x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 2.65x to 1.24x 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 | $21.80 | x |
| 2003-12-31 | $7.65 | $21.80 | x |
| 2004-12-31 | $9.40 | $21.80 | x |
| 2005-12-31 | $7.41 | $21.80 | x |
| 2006-12-31 | $16.50 | $21.80 | x |
| 2007-12-31 | $3.23 | $21.80 | x |
| 2008-12-31 | $6.49 | $21.80 | x |
| 2009-12-31 | $7.63 | $21.80 | x |
| 2010-12-31 | $7.32 | $21.80 | x |
| 2011-12-31 | $7.84 | $21.80 | x |
| 2012-12-31 | $7.14 | $21.80 | x |
| 2013-12-31 | $7.48 | $21.80 | x |
| 2014-12-31 | $9.99 | $21.80 | x |
| 2015-12-31 | $8.78 | $21.80 | x |
| 2016-12-31 | $10.26 | $21.80 | x |
| 2017-12-31 | $9.27 | $21.80 | x |
| 2018-12-31 | $13.77 | $21.80 | x |
| 2019-12-31 | $13.96 | $21.80 | x |
| 2020-12-31 | $17.41 | $21.80 | x |
| 2021-12-31 | $16.53 | $21.80 | x |
| 2022-12-31 | $14.28 | $21.80 | x |
| 2023-12-31 | $15.44 | $21.80 | x |
| 2024-12-31 | $20.79 | $21.80 | x |
| 2025-12-31 | $17.61 | $21.80 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Southern California Bancorp 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: 26.60%
- • 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% | 26.60% | 0.06x | 7.00x | $5.40 Million |
Industry Comparison
This section compares Southern California Bancorp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $922,901,500
- Average return on equity (ROE) among peers: 5.55%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Southern California Bancorp (BCAL) | $586.64 Million | -13.02% | 5.86x | $700.88 Million |
| Ameris Bancorp (ABCB) | $646.44 Million | 11.15% | 9.66x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $273.41 Million | -1.46% | 9.87x | $5.60 Billion |
| ACNB Corporation (ACNB) | $2.50 Billion | 0.74% | 0.02x | $656.67 Million |
| Affinity Bancshares Inc (AFBI) | $43.92 Million | 3.67% | 4.15x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $495.41 Million | 3.59% | 9.62x | $816.38 Million |
| Amalgamated Bank (AMAL) | $585.36 Million | 15.03% | 12.62x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $753.45 Million | 5.71% | 10.20x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $73.90 Million | 14.88% | 10.25x | $702.42 Million |
| Associated Banc-Corp (ASB) | $3.78 Billion | 8.82% | 7.90x | $5.60 Billion |
| AmeriServ Financial Inc (ASRV) | $77.76 Million | -6.63% | 14.12x | $78.95 Million |
About Southern California Bancorp
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 California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land de… Read more