OTCPK:BSCA

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Bank of Santa Clarita

Executive Summary

Bank of Santa Clarita provides various banking products and services to individuals, small businesses, and non-profit organizations in Santa Clarita Valley.


Snowflake Analysis

Adequate balance sheet and slightly overvalued.


Similar Companies

Share Price & News

How has Bank of Santa Clarita's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: BSCA's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

-12.9%

BSCA

-0.7%

US Banks

1.3%

US Market


1 Year Return

-40.6%

BSCA

-23.5%

US Banks

14.9%

US Market

Return vs Industry: BSCA underperformed the US Banks industry which returned -25.2% over the past year.

Return vs Market: BSCA underperformed the US Market which returned 12.5% over the past year.


Shareholder returns

BSCAIndustryMarket
7 Day-12.9%-0.7%1.3%
30 Day-17.1%2.6%4.7%
90 Day-13.4%4.8%17.1%
1 Year-40.6%-40.6%-20.8%-23.5%17.3%14.9%
3 Year-33.6%-33.6%-15.5%-22.2%38.9%29.9%
5 Year23.7%23.7%8.5%-4.7%71.3%52.8%

Price Volatility Vs. Market

How volatile is Bank of Santa Clarita'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 Santa Clarita undervalued compared to its fair value and its price relative to the market?

8.41x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate BSCA's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate BSCA's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: BSCA is good value based on its PE Ratio (8.4x) compared to the US Banks industry average (9.6x).

PE vs Market: BSCA is good value based on its PE Ratio (8.4x) compared to the US market (17.8x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate BSCA's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: BSCA's PB Ratio (0.8x) is in line with the US Banks industry average.


Next Steps

Future Growth

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

26.6%

Forecasted Banks industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Bank of Santa Clarita has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

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

25.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BSCA has high quality earnings.

Growing Profit Margin: BSCA's current net profit margins (31.3%) are lower than last year (32.7%).


Past Earnings Growth Analysis

Earnings Trend: BSCA's earnings have grown significantly by 25.4% per year over the past 5 years.

Accelerating Growth: BSCA's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: BSCA had negative earnings growth (-8.7%) over the past year, making it difficult to compare to the Banks industry average (-2.9%).


Return on Equity

High ROE: BSCA's Return on Equity (7.8%) is considered low.


Next Steps

Financial Health

How is Bank of Santa Clarita'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


Financial Institutions Analysis

Asset Level: BSCA's Assets to Equity ratio (9.6x) is low.

Allowance for Bad Loans: Insufficient data to determine if BSCA has a sufficient allowance for bad loans.

Low Risk Liabilities: 82% of BSCA's liabilities are made up of primarily low risk sources of funding.

Loan Level: BSCA has an appropriate level of Loans to Assets ratio (75%).

Low Risk Deposits: BSCA's Loans to Deposits ratio (102%) is appropriate.

Level of Bad Loans: Insufficient data to determine if BSCA has an appropriate level of bad loans.


Next Steps

Dividend

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


Dividend Yield vs Market

Notable Dividend: Unable to evaluate BSCA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate BSCA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if BSCA's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if BSCA's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BSCA's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

4.0yrs

Average management tenure


CEO

Frank Di Tomaso

8.33yrs

Tenure

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 o ...


Leadership Team

NamePositionTenureCompensationOwnership
Frank Di Tomaso
Chairman & CEO8.33yrsno datano data
Philippe Masbanji
Executive VP & CFO0.58yrno datano data
Eric Jensen
Senior VP & Manager of Information Servicesno datano datano data
Carol Morrissey
Senior VP & Centralized Operations Managerno datano datano data
Mary Hernandez
Senior VP & Note Department Manager2.58yrsno datano data
Gregory Weinberg
Executive VP & Chief Credit Officer13.58yrsno datano data
Craig Conner
Senior Vice President of SBA Loans and SBA Loan Managerno datano datano data
John Carlson
Senior VP & Commercial Loan Officerno datano datano data
Brenda Neilson
Senior VP & Client Services Branch Manager2.58yrsno datano data
John Vescovo
Executive VP & Chief Risk Officer5.42yrsno datano data
Stephanie Stephens
Senior VP & Controllerno datano datano data

4.0yrs

Average Tenure

Experienced Management: BSCA's management team is considered experienced (4 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Frank Di Tomaso
Chairman & CEO8.33yrsno datano data
Rick Graniere
Directorno datano datano data
Shawn Shambaugh
Vice Chairman of the Board10.75yrsno datano data
Thomas Pelino
Directorno datano datano data
Margaret Lauffer
Directorno datano datano data
Thomas Bulger
Director Emeritusno datano datano data
Steven Sansone
Director16.58yrsno datano data
Carl Kanowsky
Directorno datano datano data
David Finkelstein
Directorno datano datano data
Paul Di Tomaso
Directorno datano datano data
Dwight Ham
Directorno datano datano data
David Di Tomaso
Director7.58yrsno datano data

10.8yrs

Average Tenure

Experienced Board: BSCA's board of directors are seasoned and experienced ( 10.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 2.8%.


Top Shareholders

Company Information

Bank of Santa Clarita's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Bank of Santa Clarita
  • Ticker: BSCA
  • Exchange: OTCPK
  • Founded: 2004
  • Industry: Regional Banks
  • Sector: Banks
  • Market Cap: US$28.752m
  • Shares outstanding: 3.71m
  • Website: https://www.bankofsantaclarita.com

Location

  • Bank of Santa Clarita
  • 23780 Magic Mountain Parkway
  • Santa Clarita
  • California
  • 91355
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
BSCAOTCPK (Pink Sheets LLC)YesCommon StockUSUSDNov 2004

Biography

Bank of Santa Clarita provides various banking products and services to individuals, small businesses, and non-profit organizations in Santa Clarita Valley. The company accepts checking, savings, money mar ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/08/03 01:04
End of Day Share Price2020/07/31 00:00
Earnings2020/06/30
Annual Earnings2019/12/31


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.