Head-To-Head Comparison: Southern California Bancorp (BCAL) and The Competition

Southern California Bancorp (NASDAQ:BCAL) is one of 166 public companies in the “National commercial banks” industry, but how does it compare to its competitors? We will compare Southern California Bancorp to similar companies based on the strength of its earnings, valuation, analyst recommendations, institutional ownership, dividends, profitability and risk.

Institutional & Insider Ownership

55.4% of Southern California Bancorp shares are owned by institutional investors. Comparatively, 54.7% of shares of all “National commercial banks” companies are owned by institutional investors. 35.9% of Southern California Bancorp shares are owned by company insiders. Comparatively, 8.6% of shares of all “National commercial banks” companies are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Southern California Bancorp and its competitors revenue, earnings per share and valuation.

	Gross Revenue	Net Income	Price/Earnings Ratio
Southern California Bancorp	$126.90 million	$25.91 million	10.28
Southern California Bancorp Competitors	$10.72 billion	$1.90 billion	10.23

Southern California Bancorp’s competitors have higher revenue and earnings than Southern California Bancorp. Southern California Bancorp is trading at a higher price-to-earnings ratio than its competitors, indicating that it is currently more expensive than other companies in its industry.

Analyst Recommendations

This is a summary of recent ratings and target prices for Southern California Bancorp and its competitors, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Southern California Bancorp	0	1	1	0	2.50
Southern California Bancorp Competitors	1363	7700	6772	285	2.37

As a group, “National commercial banks” companies have a potential upside of 46.83%. Given Southern California Bancorp’s competitors higher possible upside, analysts plainly believe Southern California Bancorp has less favorable growth aspects than its competitors.

Profitability

This table compares Southern California Bancorp and its competitors’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Southern California Bancorp	20.42%	9.35%	1.12%
Southern California Bancorp Competitors	17.29%	11.10%	1.05%

Summary

Southern California Bancorp beats its competitors on 7 of the 12 factors compared.

About Southern California Bancorp

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.