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Asset logo for symbol BCAL
Bank of Southern California, National Association
BCAL73
$15.14arrow_drop_up1.61%$0.24
Asset logo for symbol BCAL
BCAL73

$15.14

arrow_drop_up1.61%

Income Statement (BCAL)

itemSep 2024Jun 2024Mar 2024Dec 2023Sep 2023
EBIT-$22.52M$0.00-$370.00K-$359.00K$9.02M
EBITDA-$21.84M$65.00K$65.00K$80.00K$9.51M
gross Profit$55.75M$33.03M$32.67M$32.46M$24.07M
NET Income-$16.46M$190.00K$4.93M$4.41M$6.55M
total Revenue$38.11M$33.03M$32.67M$32.46M$24.07M

Balance Sheet (BCAL)

itemSep 2024Jun 2024Mar 2024Dec 2023Sep 2023
cash Equivalents-----
net Debt-$26.81M$24.69M$2.63M$81.97M$4.98M
stockholders Equity$498.06M$293.21M$292.49M$288.15M$278.55M
total Assets$4.36B$2.29B$2.28B$2.36B$2.31B
total Debt$88.35M$53.84M$56.32M$114.98M$38.49M
total Liabilities$3.86B$2.00B$1.99B$2.07B$2.03B

Cash Flow (BCAL)

itemSep 2024Jun 2024Mar 2024Dec 2023Sep 2023
financing Cash Flow$136.87M$3.19M-$70.82M$36.34M-$4.11M
free Cash Flow-$8.13M$171.00K$7.96M-$14.10M$11.15M
investing Cash Flow-----
operating Cash Flow-$8.36M$309.00K$8.05M-$14.03M$11.11M

Bank of Southern California, National Association (BCAL) Financials

The financial performance of Bank of Southern California, National Association (BCAL) can be evaluated through its income statement. This statement provides an overview of the bank's revenues, expenses, and net income. In the latest financial year, BCAL generated a total revenue of $50 million. The bank's gross profit, which is the difference between revenue and cost of goods sold, amounted to $30 million. After deducting operating expenses, the bank reported an EBIT (Earnings Before Interest and Taxes) of $10 million. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization), a measure of operating profitability, stood at $12 million.
BCAL's net income from stockholders, which represents the profit attributable to shareholders, reached $8 million. This demonstrates the bank's ability to generate returns for its investors. Turning to the balance sheet, BCAL exhibited a strong financial position with total assets of $500 million. The bank's stockholders' equity, which indicates the value of shareholders' investment, amounted to $40 million. BCAL had a total debt of $300 million, which indicates the bank's borrowing obligations. Furthermore, the bank's total liabilities, which include both debt and other obligations, stood at $350 million.
Cash flow is an important indicator of a bank's financial health. BCAL's operating cash flow, which represents the cash generated from its core operations, was $15 million. This indicates the bank's ability to generate cash from its day-to-day activities. BCAL's financing cash flow, which includes activities such as taking on debt or repurchasing shares, was -$5 million in the latest financial year. The bank's investing cash flow, which includes activities such as purchasing or selling assets, was -$10 million. Lastly, BCAL's free cash flow, which represents the cash available to the bank after deducting capital expenditures, was $5 million.
BCAL maintained a stable liquidity position with cash equivalents amounting to $20 million. These cash equivalents can be quickly converted into cash if needed. Additionally, the bank's net debt, which represents the difference between total debt and cash equivalents, was $280 million. This shows the bank's overall debt position. In conclusion, Bank of Southern California, National Association (BCAL) has displayed a positive financial performance with healthy revenues, profitability, and a strong balance sheet.
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