Southern California Bancorp

BCALNASDAQFinancial Services● Active

$19.39

+$0.13(+0.67%)

Market Cap$623675937

P/E Ratio—

52W High$20.47

52W Low$14.07

Avg Volume190K

Open$19.40

Beta0.30

Free Cash Flow Financials Revenue

Southern California Bancorp (BCAL) Free Cash Flow & Analysis

Annual & trailing free cash flow, FCF margin, YoY change, valuation ratios, and peer context.

BCAL · free cash flow · updated Jun 9, 2026

Core FCF metrics

BCAL · FCF · TTM · margin & CAGR

Free cash flow was $56.9M for FY2025 (fiscal year ending 2025-12-31), up 14.5% year-over-year The FCF margin was 24.4%. Five-year CAGR stands at +40.0%.

FY2025 Free Cash Flow$56.9M▲ +14.5% YoY

Trailing 12M (TTM)$58.4Mtrailing 4 quarters sum

FCF Margin24.4%$56.9M ÷ revenue

3-Year CAGR+66.8%FY2022 → FY2025

5-Year CAGR+40.0%FY2020 → FY2025

FormulaFCF = Operating Cash Flow − Capital ExpendituresTTM = trailing 4 quarters sumCAGR → N/A if either endpoint ≤ 0

Source: FMP /cash-flow-statement · SEC 10-K / 10-Q · USDUpdated: Jun 9, 2026

Annual free cash flow history

FCF ($B, upper) · YoY Growth % (lower)

Positive FCFNegative FCF

Free Cash Flow

YoY Growth %

Annual free cash flow data

BCAL · free cash flow history · annual / quarterly

Fiscal YearOperating CFCapExFree Cash FlowYoY ChangeFCF Margin

FY2025Latest$57.3M(0M)$56.9M▲ +14.5%24.4%

FY2024$50.3M(1M)$49.7M▲ +51.6%26.9%

FY2023$33.1M(0M)$32.8M▲ +167.3%25.9%

FY2022$13.4M(1M)$12.3M▼ 31.4%12.5%

FY2021$19.7M(2M)$17.9M▲ +69.0%25.0%

FCF = Operating Cash Flow − Capital Expenditures · CapEx shown as (negative) · Source: SEC filings via FMP

FCF valuation metrics

BCAL · P/FCF · FCF yield · FCF per share

Southern California Bancorp (BCAL) trades at a FCF yield of 9.36% and a price-to-free-cash-flow ratio of 10.9x. FCF per share stands at $1.78, calculated using trailing twelve-month FCF divided by basic weighted-average shares outstanding.

FCF Yield (TTM)

9.36%

Free Cash Flow ÷ Market Cap

per FMP freeCashFlowYieldTTM definition

FCF per Share (TTM)

$1.78

TTM FCF ÷ Shares Outstanding

Price / FCF

x10.9

Share Price ÷ FCF per Share

EV / FCF (TTM)

x10.6

Enterprise Value basis

Source: FMP /key-metrics-ttm · /cash-flow-statement Q · /income-statementFY2025 · 2025-12-31

Cash flow statement summary

BCAL · cash flow statement · operating / investing / financing

For FY2025, Southern California Bancorp generated $57.3M in operating cash flow and spent 0M in capital expenditures, yielding $56.9M in free cash flow.

Operating Activities

+$57.3M

Cash from core business operations

2025-12-31

Investing Activities

+$29.8M

CapEx, acquisitions & investments

2025-12-31

Financing Activities

−$75.3M

Buybacks, dividends & debt

2025-12-31

FCF FormulaOperating CF ($57.3M) − |CapEx| (0M) = FCF ($56.9M)

For the complete Operating / Investing / Financing line-item breakdown:

View Full Cash Flow Statement →

Free cash flow vs peers (Financial Services)

BCAL vs peers · FCF

#CompanyFree Cash FlowYoYFCF MarginRelative

Southern California BancorpYOU

BCAL

$56.9M+14.5%24.4%

Berkshire Hathaway Inc.

BRK-A

$25.04B+115.6%6.7%

25%

Berkshire Hathaway Inc.

Mastercard Incorporated

$16.91B+18.2%51.6%

17%

Financial Services · Sorted by FCF · FMP /cash-flow-statementFull FCF Rankings →

About Free Cash Flow & Methodology

Southern California Bancorp (BCAL) reported free cash flow of $56.9M for FY2025 (fiscal year ending 2025-12-31), up 14.5% year-over-year. The FCF margin was 24.4%.

Based on available data, Southern California Bancorp has maintained positive free cash flow for at least 13 fiscal year(s). FCF peaked at $56.9M in FY2025. The 5-year CAGR stands at +40.0%.

Southern California Bancorp's FCF yield is 9.36% and price-to-FCF ratio is 10.9x for FY2025, based on the latest available data.

Data sourced from FMP /cash-flow-statement · SEC 10-K / 10-Q · USD.

Q&A and summaries align with SEC 10-K/10-Q cash flow disclosures and FMP /cash-flow-statement where noted.

Revenue Financial statements Net income Earnings Forecast Price history Market cap Cash on hand P/E ratio

Frequently asked questions

BCAL free cash flow · 8 questions

Southern California Bancorp free cash flow was $56.9M for FY2025, up 14.5% year-over-year. On a trailing twelve-month (TTM) basis, free cash flow stands at $58.4M.

BCAL free cash flowBCAL FCFBCAL FCF 2025BCAL free cash flow TTM

▸ Source: FMP /cash-flow-statement · US GAAP · Southern California Bancorp · Southern California Bancorp SEC 10-K & 10-Q filings · US GAAP · Last updated: Jun 9, 2026