Southern California Bancorp (BCAL)
Banks - Regional · Financial Services · $635M
Intrinsic Value (Consensus)
$30.63
Current Price
$19.76
Margin of Safety
+55%
55% Below Intrinsic Value
Value: $31
Price: $20
Valuation Model Estimates
Current Price: $19.76
DCF (Discounted Cash Flow)
$140.60
Graham Number
$27.19
Earnings Power Value
$25.10
Relative Value (P/E)
$39.60
Dividend Discount Model
Not applicable
—
Consensus Value
$30.63
Model Assumptions
Discount Rate
10.3%
Growth Rate
21.6%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
B
78
Profitability
18/25
Strength
25/25
Valuation
22/25
Growth
13/25
Financial Health Signals
Low debt — conservative balance sheet
Strong earnings growth (22% YoY)
High free cash flow yield (9.0%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $1.83
- EPS (Forward)
- $2.23
- Book Value
- $17.93
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.9%
- Debt/Equity
- 6%
- Revenue Growth
- N/A
- Earnings Growth
- 21.6%
- Dividend Yield
- 0.3%
- Beta
- 0.31
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Data last updated: 2026-06-21
Source: Yahoo Finance