Southern California Bancorp (BCAL) financial statements
Southern California Bancorp reported revenue of $180M in fiscal 2025, up 25.4% a year over 3 years.
Net income was $63M.
Free cash flow was $57M, and the company returned $3M in dividends and $3M in net buybacks.
The diluted share count rose 80% over the period (dilution).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from Southern California Bancorp's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $91M | $98M | $128M | $180M |
| Interest expense | $6M | $29M | — | — |
| Pre-tax income | $22M | $37M | $8M | $88M |
| Income tax | $6M | $11M | $3M | $25M |
| Net income | $16M | $26M | $5M | $63M |
| EPS (diluted) | $0.88 | $1.39 | $0.22 | $1.93 |
| Diluted shares | 18M | 19M | 25M | 33M |
| Net margin | 17.6% | 26.6% | 4.3% | 35.0% |
Balance sheet
Fiscal years, from Southern California Bancorp's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Cash and short-term investments | $87M | $87M | $388M | $400M |
| Property, plant and equipment | $14M | $13M | $14M | $12M |
| Goodwill | $38M | $38M | $112M | $111M |
| Total assets | $2.3B | $2.4B | $4.0B | $4.0B |
| Total liabilities | $2.0B | $2.1B | $3.5B | $3.5B |
| Shareholders' equity | $260M | $288M | $512M | $577M |
| Net debt | -$87M | -$87M | -$388M | -$400M |
Cash flow
Fiscal years, from Southern California Bancorp's 10-K filings with the SEC.
| Fiscal year | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Operating cash flow | $13M | $33M | $50M | $57M |
| Capital spending | $1M | $302,000 | $552,000 | $346,000 |
| Free cash flow | $12M | $33M | $50M | $57M |
| Stock-based compensation | $4M | $5M | $6M | $6M |
| Dividends paid | — | — | $0 | $3M |
| Share buybacks (net) | -$574,000 | -$889,000 | $0 | -$3M |
| Free cash flow margin | 13.4% | 33.6% | 38.9% | 31.6% |
| Dividends per share | — | — | — | $0.10 |
Questions
What was Southern California Bancorp's revenue in 2025?
$180M in fiscal 2025, from its 10-K filing.
How much free cash flow does Southern California Bancorp generate?
$57M in fiscal 2025 (operating cash flow minus capital spending).
From Southern California Bancorp's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.