Southern California Bancorp Past Earnings Performance
Past criteria checks 3/6
Southern California Bancorp has been growing earnings at an average annual rate of 37%, while the Banks industry saw earnings growing at 9.7% annually. Revenues have been growing at an average rate of 26.9% per year. Southern California Bancorp's return on equity is 7.7%, and it has net margins of 24.4%.
Key information
37.0%
Earnings growth rate
15.6%
EPS growth rate
| Banks Industry Growth | 11.2% |
| Revenue growth rate | 26.9% |
| Return on equity | 7.7% |
| Net Margin | 24.4% |
| Last Earnings Update | 31 Mar 2024 |
Recent past performance updates
Revenue & Expenses BreakdownBeta
How Southern California Bancorp makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 24 | 93 | 23 | 53 | 0 |
| 31 Dec 23 | 97 | 26 | 54 | 0 |
| 30 Sep 23 | 100 | 30 | 52 | 0 |
| 30 Jun 23 | 99 | 30 | 52 | 0 |
| 31 Mar 23 | 95 | 23 | 51 | 0 |
| 31 Dec 22 | 86 | 16 | 51 | 0 |
| 30 Sep 22 | 80 | 11 | 57 | 0 |
| 30 Jun 22 | 76 | 8 | 53 | 0 |
| 31 Mar 22 | 72 | 11 | 52 | 0 |
| 31 Dec 21 | 68 | 11 | 47 | 0 |
| 30 Sep 21 | 62 | 5 | 42 | 0 |
| 30 Jun 21 | 56 | 4 | 38 | 0 |
| 31 Mar 21 | 48 | 4 | 25 | 0 |
| 31 Dec 20 | 44 | 5 | 30 | 0 |
| 30 Sep 20 | 38 | 8 | 18 | 0 |
| 30 Jun 20 | 34 | 8 | 16 | 0 |
| 31 Mar 20 | 32 | 7 | 16 | 0 |
| 31 Dec 19 | 32 | 7 | 16 | 0 |
| 30 Sep 19 | 32 | 7 | 16 | 0 |
| 30 Jun 19 | 31 | 6 | 13 | 0 |
| 31 Mar 19 | 28 | 6 | 14 | 0 |
| 31 Dec 18 | 26 | 5 | 13 | 0 |
| 30 Sep 18 | 24 | 4 | 9 | 0 |
| 30 Jun 18 | 22 | 5 | 9 | 0 |
| 31 Mar 18 | 21 | 4 | 10 | 0 |
| 31 Dec 17 | 20 | 4 | 9 | 0 |
| 30 Sep 17 | 18 | 4 | 9 | 0 |
| 30 Jun 17 | 17 | 3 | 9 | 0 |
| 31 Mar 17 | 17 | 3 | 9 | 0 |
| 31 Dec 16 | 17 | 3 | 9 | 0 |
| 31 Dec 15 | 15 | 2 | 8 | 0 |
| 31 Dec 14 | 11 | 4 | 6 | 0 |
| 31 Dec 13 | 9 | 1 | 6 | 0 |
Quality Earnings: BCAL has high quality earnings.
Growing Profit Margin: BCAL's current net profit margins (24.4%) are higher than last year (24.2%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: BCAL's earnings have grown significantly by 37% per year over the past 5 years.
Accelerating Growth: BCAL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: BCAL had negative earnings growth (-1.2%) over the past year, making it difficult to compare to the Banks industry average (-12.4%).
Return on Equity
High ROE: BCAL's Return on Equity (7.7%) is considered low.