OTCPK:BCAL

Stock Analysis Report

Bank of Southern California N.A

Executive Summary

Bank of Southern California, N.A. provides banking products and services in California.

Snowflake

Fundamentals

Flawless balance sheet with acceptable track record.

Risks

  • Bank of Southern California N.A is not covered by any analysts.

Similar Companies

Share Price & News

How has Bank of Southern California N.A's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

0%

OTCPK:BCAL

-1.8%

US Banks

-1.6%

US Market


1 Year Return

-20.1%

OTCPK:BCAL

-16.1%

US Banks

-3.0%

US Market

BCAL underperformed the Banks industry which returned -13.8% over the past year.

BCAL underperformed the Market in United States of America which returned -0% over the past year.


Share holder returns

BCALIndustryMarket
7 Day0%-1.8%-1.6%
30 Day-1.2%-10.6%-5.8%
90 Day-4.3%-5.0%0.2%
1 Year-20.1%-20.1%-13.7%-16.1%-0.8%-3.0%
3 Year47.1%47.1%37.9%28.5%38.0%29.1%
5 Year80.1%80.1%49.4%33.2%50.8%34.1%

Price Volatility Vs. Market

How volatile is Bank of Southern California N.A's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Bank of Southern California N.A undervalued based on future cash flows and its price relative to the stock market?

16.32x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Bank of Southern California N.A's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Bank of Southern California N.A's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Bank of Southern California N.A is overvalued based on earnings compared to the US Banks industry average.

Bank of Southern California N.A is good value based on earnings compared to the United States of America market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Bank of Southern California N.A, we can't assess if its growth is good value.


Price Based on Value of Assets

Bank of Southern California N.A is good value based on assets compared to the US Banks industry average.


Next Steps

Future Growth

How is Bank of Southern California N.A expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

14.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Bank of Southern California N.A is high growth as no revenue estimate data is available.

Bank of Southern California N.A's earnings are expected to grow by 14.4% yearly, however this is not considered high growth (20% yearly).

Unable to compare Bank of Southern California N.A's revenue growth to the United States of America market average as no estimate data is available.

Bank of Southern California N.A's earnings growth is expected to exceed the United States of America market average.

Bank of Southern California N.A's earnings growth is expected to exceed the low risk savings rate of 2.7%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Bank of Southern California N.A will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Bank of Southern California N.A performed over the past 5 years?

17.0%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Bank of Southern California N.A's year on year earnings growth rate has been positive over the past 5 years.

Bank of Southern California N.A's 1-year earnings growth exceeds its 5-year average (37% vs 17%)

Bank of Southern California N.A's earnings growth has exceeded the US Banks industry average in the past year (37% vs 33.1%).


Return on Equity

Bank of Southern California N.A has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Bank of Southern California N.A used its assets less efficiently than the US Banks industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Bank of Southern California N.A improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

  • Explore strong past performing companies in the Banks industry.

Financial Health

How is Bank of Southern California N.A's financial position? (This company is analysed differently as a bank or financial institution)


Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet

Information is not available.

Information is not available.


Financial Institutions Analysis

Bank of Southern California N.A has an acceptable proportion of non-loan assets held.

Bank of Southern California N.A has a sufficient allowance for bad loans.

Bank of Southern California N.A's liabilities are made up of primarily low risk sources of funding.

Bank of Southern California N.A's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).

Loans at Bank of Southern California N.A are broadly funded by customer deposits.

Bank of Southern California N.A has an acceptable level of bad loans (less than 2%).


Next Steps

Dividend

What is Bank of Southern California N.A's current dividend yield, its reliability and sustainability?


Dividend Yield and Payments Analysis

Unable to evaluate Bank of Southern California N.A's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Bank of Southern California N.A's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Bank of Southern California N.A has not reported any payouts.

Unable to verify if Bank of Southern California N.A's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Bank of Southern California N.A has not reported any payouts.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Bank of Southern California N.A's salary, the management and board of directors tenure and is there insider trading?

6.7yrs

Average management tenure


CEO

Nathan Rogge (49yo)

11.4yrs

Tenure

0

Mr. Nathan L. Rogge had been the President of First Business Bank S.A. since February 2008. Mr. Rogge has been the President and Chief Executive Officer of Bank of Southern California, N.A.(Alternate Name: ...


Management Age and Tenure

6.7yrs

Average Tenure

57yo

Average Age

The average tenure for the Bank of Southern California N.A management team is over 5 years, this suggests they are a seasoned and experienced team.


Board Age and Tenure

9.4yrs

Average Tenure

65.5yo

Average Age

The tenure for the Bank of Southern California N.A board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Jim Burgess (57yo)

    Executive VP & CFO

    • Tenure: 8.6yrs
  • Bob Marshall (64yo)

    Executive VP & Chief Credit Officer

    • Tenure: 6.7yrs
  • Nathan Rogge (49yo)

    President

    • Tenure: 11.4yrs
  • Susan Donovan

    VP of Operations

    • Tenure: 0.0yrs
  • Rhonda Guthrie

    Senior Vice President of Loan Administration

    • Tenure: 3.8yrs
  • Pamela Isaacson

    Executive VP & Chief Administrative Officer

    • Tenure: 9.5yrs
  • David Walters

    Senior VP & Manager

    • Tenure: 9.3yrs
  • Tony DiVita

    Executive VP & COO

    • Tenure: 0.3yrs
  • Marie Crivello

    Senior Vice President

    • Tenure: 3.5yrs
  • Amanda Conover

    VP & Director of Marketing

    • Tenure: 1.4yrs

Board Members

  • Adriana Boeka (68yo)

    Director

    • Tenure: 1.6yrs
  • David Volk

    Director

    • Tenure: 2.6yrs
  • John Farkash (69yo)

    Chairman of the Board

    • Tenure: 18.6yrs
  • Nathan Rogge (49yo)

    President

    • Tenure: 11.4yrs
  • Ed Machado (63yo)

    Director

    • Tenure: 18.6yrs
  • Joe Matranga

    Director

    • Tenure: 9.4yrs
  • Irwin Golds

    Director

    • Tenure: 5.7yrs

Company Information

Bank of Southern California, N.A.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank of Southern California, N.A.
  • Ticker: BCAL
  • Exchange: OTCPK
  • Founded: 2001
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$105.132m
  • Shares outstanding: 8.41m
  • Website: https://www.banksocal.com

Number of Employees


Location

  • Bank of Southern California, N.A.
  • 12265 El Camino Real
  • Suite 100
  • San Diego
  • California
  • 92130
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BCALOTCPK (Pink Sheets LLC)YesCommon StockUSUSDDec 2004

Biography

Bank of Southern California, N.A. provides banking products and services in California. The company accepts deposit products, such as checking accounts, savings accounts, money market accounts, and certifi ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/23 23:59
End of Day Share Price2019/08/22 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.