Southern California Bancorp
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
8.94
Price/Sales ratio
N/A
Earnings per Share (EPS)
$1.81

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
5.3618.5316.6119.3017.8015.9125.5920.1618.6112.21-412.7815.91
Price/Sales ratio
1.782.312.743.552.982.712.233.013.052.4920.302.98
Price/Book Value ratio
0.640.941.121.540.920.890.710.871.151.094.770.92
Price/Cash Flow ratio
14.2620.1012.6520.5312.5912.869.7810.9814.6610.39-116.7412.86
Price/Free Cash Flow ratio
15.2423.92-142.5525.2313.8119.0511.4130.3015.4810.49-113.8319.05
Price/Earnings Growth ratio
0.02-0.290.311.90-6.761.96-0.680.420.860.21-1.16-6.76
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%N/A100%
Operating Profit Margin
25.81%22.54%N/AN/A2.01%2.79%2.30%N/A1.84%30.55%-5.03%2.79%
Pretax Profit Margin
23.99%21.03%27.84%32.40%24.03%24.42%12.48%19.82%22.42%29.04%-3.02%24.42%
Net Profit Margin
33.32%12.47%16.52%18.43%16.78%17.08%8.71%14.96%16.43%20.41%-4.92%17.08%
Effective Tax Rate
-39.14%40.69%40.64%43.10%30.19%30.05%30.22%24.51%26.70%29.69%-0.62%30.05%
Return on Assets
1.27%0.55%0.70%0.82%0.68%0.81%0.29%0.47%0.70%1.09%-0.35%0.81%
Return On Equity
12.11%5.09%6.74%7.97%5.18%5.61%2.79%4.34%6.18%8.99%-1.15%5.61%
Return on Capital Employed
3.72%2.23%N/AN/A0.11%0.19%0.13%N/A0.15%3.94%N/A0.19%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.270.190.380.210.280.350.400.490.070.18N/A0.35
Cash ratio
N/AN/A-0.03-0.03-0.05-0.030.010.010.050.02N/A-0.05
Days of Sales Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A31.87N/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
N/A0.02N/A0.040.040.030.010.000.020.040.690.04
Debt Equity Ratio
N/A0.19N/A0.400.340.240.170.080.260.362.230.34
Long-term Debt to Capitalization
N/AN/AN/AN/A0.160.190.150.070.200.05N/A0.19
Total Debt to Capitalization
N/A0.16N/A0.280.250.190.150.070.200.26N/A0.19
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A-0.15N/A
Cash Flow to Debt Ratio
N/A0.23N/A0.180.210.270.400.960.300.28N/A0.27
Company Equity Multiplier
9.479.179.529.667.586.919.349.198.798.193.236.91
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.120.110.210.170.230.210.220.270.200.23-0.170.21
Free Cash Flow / Operating Cash Flow Ratio
0.930.84-0.080.810.910.670.850.360.940.991.020.91
Cash Flow Coverage Ratio
N/A0.23N/A0.180.210.270.400.960.300.28N/A0.27
Short Term Coverage Ratio
N/A0.23N/A0.180.49N/AN/AN/AN/A0.34N/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A