Southern California Bancorp (BCAL) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	231.3M	237.1M	184.6M	126.9M	98.0M
Cost of Revenue	47.1M	48.1M	78.5M	30.3M	11.7M
Gross Profit	184.2M	189.0M	106.1M	96.6M	86.3M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	65.6M	63.8M	51.3M	40.1M	38.0M
General & Admin Expense	65.6M	63.8M	51.3M	40.1M	38.0M
Selling & Marketing Expense	—	—	—	—	—
Other Expenses	35.5M	37.3M	46.6M	19.6M	26.3M
Total Operating Expenses	101.0M	101.0M	97.8M	59.7M	64.3M
Cost and Expenses	148.2M	149.1M	176.3M	90.0M	76.0M
Operating Income (EBIT)	83.1M	88.0M	8.3M	36.9M	22.0M
Non-Operating
Interest Income	222.1M	226.0M	179.8M	123.5M	93.6M
Interest Expense	51.2M	56.9M	56.8M	29.4M	5.8M
Net Interest Income	170.9M	169.1M	123.0M	94.1M	87.8M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	83.1M	88.0M	8.3M	36.9M	22.0M
Income Tax Expense	22.9M	24.9M	2.8M	10.9M	5.9M
Bottom Line
Net Income	60.2M	63.1M	5.4M	25.9M	16.1M
Earnings from Cont. Ops	60.2M	63.1M	5.4M	25.9M	16.1M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	60.2M	63.1M	5.4M	25.9M	16.1M
Per Share
Basic EPS	$1.86	$1.95	$0.22	$1.42	$0.90
Diluted EPS	$1.84	$1.93	$0.22	$1.39	$0.88
Revenue Per Share	$7.11	$7.24	$7.61	$6.96	$5.50
Shares
Basic Shares Outstanding	32.5M	32.7M	24.2M	18.2M	17.8M
Diluted Shares Outstanding	32.5M	32.7M	24.6M	18.7M	18.2M
Profitability Metrics
EBITDA	88.2M	93.6M	11.9M	38.8M	24.0M
D&A	5.0M	5.6M	3.6M	1.9M	2.0M
EBIT	83.1M	88.0M	8.3M	36.9M	22.0M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026