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Bank of Santa Clarita

OTCPK:BSCA
Snowflake Description

Excellent balance sheet with proven track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
BSCA
OTCPK
$46M
Market Cap
  1. Home
  2. US
  3. Banks
Company description

Bank of Santa Clarita, a community oriented commercial bank, provides various business and personal banking services for small-to-medium size businesses, professionals, entrepreneurs, and high-net worth clients in Santa Clarita and surrounding communities in California. The last earnings update was 26 days ago. More info.


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BSCA Share Price and Events
7 Day Returns
0.1%
OTCPK:BSCA
-2.6%
US Banks
-1%
US Market
1 Year Returns
-6.5%
OTCPK:BSCA
-14.2%
US Banks
-0.4%
US Market
BSCA Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Bank of Santa Clarita (BSCA) 0.1% -1% -0.7% -6.5% 81.4% 113.2%
US Banks -2.6% -5.5% -3.5% -14.2% 32.4% 36.7%
US Market -1% -3.3% 0.4% -0.4% 30.4% 37.1%
1 Year Return vs Industry and Market
  • BSCA outperformed the Banks industry which returned -14.2% over the past year.
  • BSCA underperformed the Market in United States of America which returned -0.4% over the past year.
Price Volatility
BSCA
Industry
5yr Volatility vs Market

BSCA Value

 Is Bank of Santa Clarita undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.

In this section, we usually try to help investors determine whether Bank of Santa Clarita is trading at an attractive price based on the cash flow it is expected to produce in the future. But as Bank of Santa Clarita has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis. You can see them here.

Show me the analysis anyway

INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
  • It is not possible to calculate the future cash flow value for Bank of Santa Clarita. This is due to cash flow or dividend data being unavailable. The share price is $19.32.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Bank of Santa Clarita's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Bank of Santa Clarita's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
OTCPK:BSCA PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-06-30) in USD Not available
OTCPK:BSCA Share Price ** OTCPK (2019-08-16) in USD $19.32
United States of America Banks Industry PE Ratio Median Figure of 597 Publicly-Listed Banks Companies 12.29x
United States of America Market PE Ratio Median Figure of 3,095 Publicly-Listed Companies 17.23x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Bank of Santa Clarita.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PE ratio to the industry average as no data exists.
  • Unable to calculate PE ratio for Bank of Santa Clarita, we can't compare the value of its earnings to the United States of America market.
Price based on expected Growth
Does Bank of Santa Clarita's expected growth come at a high price?
Raw Data
OTCPK:BSCA PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 0x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
8.8%per year
United States of America Banks Industry PEG Ratio Median Figure of 274 Publicly-Listed Banks Companies 1.12x
United States of America Market PEG Ratio Median Figure of 2,124 Publicly-Listed Companies 1.4x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Bank of Santa Clarita, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Bank of Santa Clarita's assets?
Raw Data
OTCPK:BSCA PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-06-30) in USD Not available
OTCPK:BSCA Share Price * OTCPK (2019-08-16) in USD $19.32
United States of America Banks Industry PB Ratio Median Figure of 600 Publicly-Listed Banks Companies 1.16x
United States of America Market PB Ratio Median Figure of 5,265 Publicly-Listed Companies 1.7x

* Primary Listing of Bank of Santa Clarita.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to compare the PB ratio to the industry average as no data exists.
X
Value checks
We assess Bank of Santa Clarita's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Banks industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Banks industry average (and greater than 0)? (1 check)
  5. Bank of Santa Clarita has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

BSCA Future Performance

 How is Bank of Santa Clarita expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Bank of Santa Clarita, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
8.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Bank of Santa Clarita expected to grow at an attractive rate?
  • Bank of Santa Clarita's earnings growth is expected to exceed the low risk savings rate of 2.7%.
Growth vs Market Checks
  • Bank of Santa Clarita's earnings growth is positive but not above the United States of America market average.
  • Unable to compare Bank of Santa Clarita's revenue growth to the United States of America market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
OTCPK:BSCA Future Growth Rates Data Sources
Data Point Source Value (per year)
OTCPK:BSCA Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 8.8%
United States of America Banks Industry Earnings Growth Rate Market Cap Weighted Average 1.5%
United States of America Banks Industry Revenue Growth Rate Market Cap Weighted Average 3.3%
United States of America Market Earnings Growth Rate Market Cap Weighted Average 14%
United States of America Market Revenue Growth Rate Market Cap Weighted Average 7.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
OTCPK:BSCA Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in USD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
OTCPK:BSCA Past Financials Data
Date (Data in USD Millions) Revenue Cash Flow Net Income *
2019-06-30 10 3
2019-03-31 10 3
2018-12-31 10 3
2018-09-30 10 3
2018-06-30 10 2
2018-03-31 9 2
2017-12-31 9 2 2
2017-09-30 9 2
2017-06-30 9 2
2017-03-31 9 2
2016-12-31 9 3 1
2016-09-30 8 1

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Bank of Santa Clarita's earnings are expected to grow by 8.8% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Bank of Santa Clarita is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
OTCPK:BSCA Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (1 month ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Bank of Santa Clarita Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BSCA Past Financials Data
Date (Data in USD Millions) EPS *
2019-06-30
2019-03-31
2018-12-31
2018-09-30
2018-06-30
2018-03-31
2017-12-31 0.78
2017-09-30
2017-06-30
2017-03-31
2016-12-31 0.58
2016-09-30

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Bank of Santa Clarita will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Bank of Santa Clarita's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United States of America market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United States of America market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Bank of Santa Clarita has a total score of 1/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

BSCA Past Performance

  How has Bank of Santa Clarita performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Bank of Santa Clarita's growth in the last year to its industry (Banks).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Bank of Santa Clarita has delivered over 20% year on year earnings growth in the past 5 years.
  • Bank of Santa Clarita's 1-year earnings growth exceeds its 5-year average (39.6% vs 27.1%)
  • Bank of Santa Clarita's earnings growth has exceeded the US Banks industry average in the past year (39.6% vs 33.2%).
Earnings and Revenue History
Bank of Santa Clarita's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Bank of Santa Clarita Company Filings, last reported 1 month ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

OTCPK:BSCA Past Revenue, Cash Flow and Net Income Data
Date (Data in USD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-06-30 10.25 3.35
2019-03-31 10.17 3.33
2018-12-31 10.15 3.18
2018-09-30 10.03 2.78 5.31
2018-06-30 9.72 2.40
2018-03-31 9.31 1.99
2017-12-31 9.22 1.84 5.31
2017-09-30 9.08 1.72 5.52
2017-06-30 9.09 1.65 5.52
2017-03-31 9.07 1.62 5.52
2016-12-31 8.65 1.37 5.52
2016-09-30 8.42 1.40 5.45
2016-06-30 7.97 1.19 5.45
2016-03-31 7.91 1.12
2015-12-31 8.05 1.22 5.45
2015-09-30 8.25 1.04 5.60
2015-06-30 8.45 1.12 5.60
2015-03-31 8.32 1.12
2014-12-31 8.31 1.02 5.60
2014-09-30 7.79 1.05 5.31
2014-06-30 7.61 1.02
2014-03-31 7.62 1.02
2013-12-31 7.40 1.00 5.31
2013-09-30 7.48 1.11
2013-06-30 7.28 0.99
2013-03-31 7.29 0.73
2012-12-31 7.26 0.56 5.89
2012-09-30 7.36 0.53 5.90

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Bank of Santa Clarita has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Bank of Santa Clarita used its assets more efficiently than the US Banks industry average last year based on Return on Assets.
  • Unable to establish if Bank of Santa Clarita improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Bank of Santa Clarita's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Banks industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Bank of Santa Clarita has a total score of 4/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

BSCA Health

 How is Bank of Santa Clarita's financial position? (This company is analysed differently as a bank or financial institution)

This company is a bank or financial institution.

Fundamentally a bank's business is based upon borrowing and lending money, for this reason they typically have high levels of debt and we analyse them differently.
Net Worth
Balance sheet
This treemap shows a more detailed breakdown of Bank of Santa Clarita's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Bank of Santa Clarita Company Filings, last reported 1 month ago.

OTCPK:BSCA Past Debt and Equity Data
Date (Data in USD Millions) Total Equity Total Debt Cash & Short Term Investments
2019-06-30 34.98 49.00 44.79
2019-03-31 33.94 63.00 44.10
2018-12-31 33.08 42.00 40.68
2018-09-30 32.07 21.00 41.16
2018-06-30 31.11 29.00 49.71
2018-03-31 29.88 60.00 63.17
2017-12-31 29.16 46.00 48.79
2017-09-30 28.77 45.00 63.51
2017-06-30 28.19 51.00 65.04
2017-03-31 27.67 43.00 72.13
2016-12-31 27.10 19.00 42.88
2016-09-30 26.96 58.60 68.69
2016-06-30 26.50 75.50 62.26
2016-03-31 26.01 67.00 63.87
2015-12-31 25.49 30.00 48.59
2015-09-30 25.27 60.00 53.34
2015-06-30 24.80 60.00 50.31
2015-03-31 24.51 53.00 49.62
2014-12-31 24.02 55.00 45.45
2014-09-30 23.68 74.00 64.75
2014-06-30 22.76 67.00 59.58
2014-03-31 22.00 39.00 40.50
2013-12-31 21.77 46.00 37.30
2013-09-30 21.64 40.50 37.61
2013-06-30 21.30 42.50 34.23
2013-03-31 21.51 37.50 35.61
2012-12-31 21.41 42.00 31.49
2012-09-30 21.64 34.50 30.57
BANK ANALYSIS

This company is a bank or financial institution, which is analysed accordingly below.

Below we check the amount of loans the bank has, how many of those are bad, and its ability to cover any bad loans.
  • Bank of Santa Clarita has an acceptable proportion of non-loan assets held.
  • Bank of Santa Clarita's liabilities are made up of primarily low risk sources of funding.
  • Loans at Bank of Santa Clarita are broadly funded by customer deposits.
  • Bank of Santa Clarita's level of assets compared to its equity is low (i.e. an appropriate level of borrowing to fund lending).
  • Unable to establish if Bank of Santa Clarita has a sufficient allowance for bad loans without relevant financial data.
  • Bank of Santa Clarita has an acceptable level of bad loans (less than 2%).
X
Financial health checks
We assess Bank of Santa Clarita's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Bank of Santa Clarita has a total score of 5/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

BSCA Dividends

 What is Bank of Santa Clarita's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0%
Current annual income from Bank of Santa Clarita dividends.
If you bought $2,000 of Bank of Santa Clarita shares you are expected to receive $0 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Unable to evaluate Bank of Santa Clarita's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Bank of Santa Clarita's dividend against the top 25% market benchmark as the company has not reported any payouts.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
OTCPK:BSCA Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
United States of America Banks Industry Average Dividend Yield Market Cap Weighted Average of 480 Stocks 3.3%
United States of America Market Average Dividend Yield Market Cap Weighted Average of 2009 Stocks 2.5%
United States of America Minimum Threshold Dividend Yield 10th Percentile 0.8%
United States of America Bottom 25% Dividend Yield 25th Percentile 1.5%
United States of America Top 25% Dividend Yield 75th Percentile 3.8%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to perform a dividend volatility check as Bank of Santa Clarita has not reported any payouts.
  • Unable to verify if Bank of Santa Clarita's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Bank of Santa Clarita's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Bank of Santa Clarita 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.
X
Income/ dividend checks
We assess Bank of Santa Clarita's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.8%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Bank of Santa Clarita afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Bank of Santa Clarita has a total score of 0/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

BSCA Management

 What is the CEO of Bank of Santa Clarita's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Frank Di Tomaso
TENURE AS CEO 7.3 years
CEO Bio

Mr. Frank D. Di Tomaso, Jr. serves as Executive Chairman of the Board and Chief Executive Officer of Bank of Santa Clarita. Prior to the founding of Bank of Santa Clarita, Mr. Di Tomaso held the position of Senior Vice President and Business Development Officer at City National Bank, Los Angeles, California, from 1997 to 2004, and from 1996 to 1997 was Senior Vice President and Commercial Loan Team Leader. Before joining City National Bank, Mr. Di Tomaso was employed at Metrobank, Los Angeles, California from 1984 until that bank was acquired by Comerica Bank in 1996 and served as the Senior Vice President and Manager of the Asset Based Loan Division of Metrobank from 1990 to 1996. Mr. Di Tomaso continued with Metrobank following the Comerica acquisition for a period of six months as the Group Manager of the Business Finance Group of Southern California. Mr. Di Tomaso began his banking career at Union Bank, Los Angeles, California, in 1981 and graduated from its Management Training program in 1983. Prior to joining Union Bank, Mr. Di Tomaso was an Assistant Financial Analyst with the Small Business Administration in Fresno, California from 1980 to 1981. Mr. Di Tomaso graduated from California State University, Fresno in 1981 with a Bachelor's Degree in Accounting.

CEO Compensation
  • Insufficient data for Frank to compare compensation growth.
  • Insufficient data for Frank to establish whether their remuneration is reasonable compared to companies of similar size in United States of America.
Management Team Tenure

Average tenure of the Bank of Santa Clarita management team in years:

5.9
Average Tenure
  • The average tenure for the Bank of Santa Clarita management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Frank Di Tomaso

TITLE
Chairman & CEO
TENURE
7.3 yrs

Walt Purdy

TITLE
Executive VP
TENURE
11.3 yrs

Eric Jensen

TITLE
Senior VP & Manager of Information Services

Carol Morrissey

TITLE
Senior VP & Centralized Operations Manager

Mary Hernandez

TITLE
Senior VP & Note Department Manager
TENURE
1.6 yrs

Elizabeth Hopp

TITLE
Executive VP & Chief Banking Officer
TENURE
4.4 yrs

Greg Weinberg

TITLE
Executive VP & Chief Credit Officer
TENURE
12.6 yrs

Craig Conner

TITLE
Senior Vice President of SBA Loans and SBA Loan Manager

John Carlson

TITLE
Senior VP & Commercial Loan Officer

Brenda Neilson

TITLE
Senior VP & Client Services Branch Manager
TENURE
1.6 yrs
Board of Directors Tenure

Average tenure of the Bank of Santa Clarita board of directors in years:

9.8
Average Tenure
  • The tenure for the Bank of Santa Clarita board of directors is about average.
Board of Directors

Frank Di Tomaso

TITLE
Chairman & CEO
TENURE
9.8 yrs

Shawn Shambaugh

TITLE
Vice Chairman of the Board
AGE
59
TENURE
9.8 yrs

Thomas Pelino

TITLE
Director

Marlee Lauffer

TITLE
Director

Steve Sansone

TITLE
Director
TENURE
15.6 yrs

Carl Kanowsky

TITLE
Director

David Finkelstein

TITLE
Director

Paul Di Tomaso

TITLE
Director

Rick Graniere

TITLE
Director

Dwight Ham

TITLE
Director
Who owns this company?
Recent Insider Trading
  • No 3 month open market individual insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price ($) Value ($)
X
Management checks
We assess Bank of Santa Clarita's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Bank of Santa Clarita has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

BSCA News

Simply Wall St News

BSCA Company Info

Description

Bank of Santa Clarita, a community oriented commercial bank, provides various business and personal banking services for small-to-medium size businesses, professionals, entrepreneurs, and high-net worth clients in Santa Clarita and surrounding communities in California. The company offers business and personal checking accounts, savings accounts, certificates of deposit, money market accounts, certificates of deposit account registry services, insured cash sweep accounts, and retirement savings accounts. It also provides business loans comprising revolving lines of credit, term loans, small business administration loans, equipment and vehicle financing, and letters of credit, as well as real estate loans, such as land loans, construction financing, and commercial real estate loans. In addition, the company offers consumer loans, including lines of credit, unsecured and secured personal loans, car loans, and construction financing. Further, it provides bill pay, online banking, remote deposit, wire transfers, courier, merchant, and quick books/Web connect services; ATM/check, VISA, and debit cards; and reorder personal checks. The company was founded in 2004 and is headquartered in Santa Clarita, California.

Details
Name: Bank of Santa Clarita
BSCA
Exchange: OTCPK
Founded: 2004
$46,479,766
2,405,785
Website: http://www.bankofsantaclarita.com
Address: Bank of Santa Clarita
23780 Magic Mountain Parkway,
Santa Clarita,
California, 91355,
United States
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
OTCPK BSCA Common Stock Pink Sheets LLC US USD 29. Nov 2004
Number of employees
Current staff
Staff numbers
0
Bank of Santa Clarita employees.
Industry
Regional Banks
Banks
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/08/18 00:04
End of day share price update: 2019/08/16 00:00
Last earnings filing: 2019/07/23
Last earnings reported: 2019/06/30
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.