Southern California Bancorp (San Diego) () Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

Southern California Bancorp (San Diego)

First Financial Corp. (Indiana)

Capital Bancorp, Inc. (Maryland)

Alerus Financial Corp.

Banco Latinoamericano de Comercio Exterior SA

Amerant Bancorp, Inc.

Esquire Financial Holdings, Inc.

Arrow Financial Corp.

Farmers National Banc Corp.

Old Second Bancorp, Inc.

American National Bankshares, Inc. (Virginia)

Why is Southern California Bancorp (San Diego) ?

High Profitability with a Net Interest Margin of 33.20%

Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 34.51%

With a growth in Interest of NAN%, the company declared Very Positive results in Jun 25

The company has declared positive results for the last 2 consecutive quarters
PRE-TAX PROFIT(Q) At USD 20.07 MM has Grown at 2,510.4%
NET PROFIT(Q) At USD 14.1 MM has Grown at 2,582.58%
OPERATING CASH FLOW(Y) Highest at USD 56.37 MM

With ROA of 0.53%, it has a fair valuation with a 0.89 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 17.25%, its profits have risen by 42.5%

High Institutional Holdings at 67.76%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.9% over the previous quarter.

Real-Time Research Report

Verdict Report

How much should you buy?

Overall Portfolio exposure to Southern California Bancorp (San Diego) should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Southern California Bancorp (San Diego) for you?

Low Risk, High Return

Absolute

Risk Adjusted

Volatility

Southern California Bancorp (San Diego)

11.14%

1.06

29.02%

S&P 500

13.22%

0.96

19.87%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

40.91%

EBIT Growth (5y)

33.89%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

67.76%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.89

EV to EBIT

1.96

EV to EBITDA

1.71

EV to Capital Employed

0.55

EV to Sales

0.34

PEG Ratio

Dividend Yield

ROCE (Latest)

28.19%

ROE (Latest)

6.16%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Bullish

Dow Theory

Mildly Bullish

OBV

Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

30What is working for the Company

PRE-TAX PROFIT(Q)

At USD 20.07 MM has Grown at 2,510.4%

NET PROFIT(Q)

At USD 14.1 MM has Grown at 2,582.58%

OPERATING CASH FLOW(Y)

Highest at USD 56.37 MM

NET SALES(Q)

At USD 55.79 MM has Grown at 75.16%

CASH AND EQV(HY)

Highest at USD 164.46 MM

-3What is not working for the Company

INTEREST(9M)

At USD 46.96 MM has Grown at 48.49%

CREDIT DEPOSIT RATIO(HY)

Lowest at 90.32%

Here's what is working for Southern California Bancorp (San Diego)

Pre-Tax Profit

At USD 20.07 MM has Grown at 2,510.4%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very positive

Pre-Tax Profit (USD MM)

Net Profit

At USD 14.1 MM has Grown at 2,582.58%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very positive

Net Profit (USD MM)

Net Sales

At USD 55.79 MM has Grown at 75.16%

Year on Year (YoY)

MOJO Watch

Near term sales trend is very positive

Net Sales (USD MM)

Operating Cash Flow

Highest at USD 56.37 MM

in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Cash and Eqv

Highest at USD 164.46 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Here's what is not working for Southern California Bancorp (San Diego)

Interest

At USD 46.96 MM has Grown at 48.49%

over previous Semi-Annual period

MOJO Watch

Rising interest cost signifies increased borrowings

Interest Paid (USD MM)

Credit Deposit Ratio

Lowest at 90.32%

in the last four Semi-Annual periods

MOJO Watch

Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)