Southern Calif Bancorp (Southern Calif Bancorp) Debt-to-Equity : 0.40 (As of Dec. 2023)

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What is Southern Calif Bancorp Debt-to-Equity?

Southern Calif Bancorp's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.00 Mil. Southern Calif Bancorp's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $114.98 Mil. Southern Calif Bancorp's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $288.15 Mil. Southern Calif Bancorp's debt to equity for the quarter that ended in Dec. 2023 was 0.40.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Southern Calif Bancorp's Debt-to-Equity or its related term are showing as below:

BCAL' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.3 Med: 0.35 Max: 0.4
Current: 0.19

During the past 8 years, the highest Debt-to-Equity Ratio of Southern Calif Bancorp was 0.40. The lowest was 0.30. And the median was 0.35.

BCAL's Debt-to-Equity is ranked better than
83.05% of 1392 companies
in the Banks industry
Industry Median: 0.66 vs BCAL: 0.19

Southern Calif Bancorp Debt-to-Equity Historical Data

The historical data trend for Southern Calif Bancorp's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Southern Calif Bancorp Debt-to-Equity Chart

Southern Calif Bancorp Annual Data

Trend

Dec02

Dec03

Dec04

Dec05

Dec06

Dec07

Dec22

Dec23

Debt-to-Equity

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0.30

0.40

Southern Calif Bancorp Quarterly Data
	Jun05	Sep05	Dec05	Mar06	Jun06	Sep06	Dec06	Mar07	Jun07	Sep07	Dec07	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.11	0.16	0.14	0.40	0.19

Competitive Comparison of Southern Calif Bancorp's Debt-to-Equity

For the Banks - Regional subindustry, Southern Calif Bancorp's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Southern Calif Bancorp's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Southern Calif Bancorp's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Southern Calif Bancorp's Debt-to-Equity falls into.

Southern Calif Bancorp Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Southern Calif Bancorp's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	114.982)	/	288.152
	=	0.40

Southern Calif Bancorp's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	114.982)	/	288.152
	=	0.40

Southern Calif Bancorp (NAS:BCAL) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Southern Calif Bancorp Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of Southern Calif Bancorp's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

Southern Calif Bancorp (Southern Calif Bancorp) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Southern Calif Bancorp (NAS:BCAL) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

3142 Tiger Run Court, Suite 107, Carlsbad, CA, USA, 92010

Website

https://www.banksocal.com

Southern Calif Bancorp is committed towards serving the business, professional and personal banking needs of the vibrant Southern California communities. It provides a full-range of banking services - deposit accounts. financial products and services to individuals, professionals, and small- to medium-sized businesses.

Executives

Peter Nutz	officer: EVP/ Chief Credit Officer	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Ricardo Martin	director	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Anne A Williams	director, officer: EVP / Chief Credit Officer	C/O CU BANCORP, 15821 VENTURA BOULEVARD, SUITE 100, ENCINO CA 91436
John Farkash	director, 10 percent owner	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Joann Yeung	officer: SVP / Chief Accounting Officer	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Tomaso Frank Di	director, officer: Executive Director	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Lester Machado	director	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Martin Liska	officer: EVP / Chief Risk Officer	355 S. GRAND AVE SUITE 1200, LOS ANGELES CA 90071
Richard Hernandez	officer: President	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Irwin Golds	director	355 S. GRAND AVE SUITE 1200, LOS ANGELES CA 90071
Manisha Merchant	officer: EVP / Chief Legal Officer	355 S. GRAND AVE, SUITE 1200, LOS ANGELES CA 90071
Kaveh Varjavand	director	15821 VENTURA BOULEVARD, SUITE 100, ENCINO CA 91436
Castle Creek Capital Partners Vi, Lp	10 percent owner	6051 EL TORDO, RANCHO SANTA FE CA 92067
Anita Wolman	director	C/O CU BANCORP, 15821 VENTURA BOULEVARD, SUITE 100, ENCINO CA 91436
David I Rainer	director, officer: CEO/Chairman	C/O CU BANCORP, 15821 VENTURA BOULEVARD, SUITE 100, ENCINO CA 91436