BCAL Stock — Southern California Bancorp Common Stock

Southern California Bancorp Common Stock (BCAL)

Updated October 16, 2026.

BCAL is a Stock. its distribution rate is 2.21%, its trailing-12-month yield is 1.93%. Dividend Vision Distribution Safety Score™ is 50/100 (Unproven). Total return is 111.8% over the past 20.9 years, 696.5 points behind SPY at 808.3%.

Southern California Bancorp is a California-based bank holding company that provides deposit accounts, loans, and financial services to individuals, professionals, and small- to medium-sized businesses across the state. The company distributes dividends quarterly at a modest current rate. This stock may appeal to income investors seeking exposure to regional banking and steady dividend income.

BCAL performance versus SPY

Price and return data through 2026-10-16.

Total return is 111.8% over the past 20.9 years, 696.5 points behind SPY at 808.3%. Over the past year its total return — price change plus distributions reinvested — is 38.8%. Its deepest 1-year drawdown was 13.5%.

BCAL key facts

Distribution Safety Score™

50 · Unproven

Asset type

Stock

Asset class

Equity

Inception date

11/10/2005

Distribution rate

2.21%

Distribution frequency

Quarterly

Trailing yield

1.93%

Last close

$21.76 (as of 2026-10-16)

Market cap

$699,595,772

Average volume

434379.0

Dividend

$0.12

Ex-dividend date

09/21/2026

Payment date

10/15/2026

Beta

0.345

Payout ratio

22.8%

P/E ratio

11.76

Forward P/E

11.7035

EPS

$1.85

How Dividend Vision calculates yield and returns

Distribution rate (2.21%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (1.93%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

BCAL risks and drawbacks

BCAL's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. Total return has trailed SPY over the available window. The deepest 1-year drawdown on record here is 13.5%.

Who may consider BCAL — and who may not

BCAL may suit someone looking for moderate current income with a quality tilt. It is a weaker fit for investors who need monthly cash flow (BCAL pays quarterly); investors hunting double-digit covered-call yields; investors whose main goal is matching SPY total return. This is educational context, not a recommendation to buy or sell.

More on BCAL

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Tagged: Financials, Dividend.

Frequently asked questions