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Asset logo for symbol BCAL
Bank of Southern California, National Association
BCAL68
$14.46arrow_drop_down0.20%-$0.03
Asset logo for symbol BCAL
BCAL68

$14.46

arrow_drop_down0.20%

Income Statement (BCAL)

itemJun 2024Mar 2024Dec 2023Sep 2023Jun 2023
EBIT$0.00-$370.00K-$359.00K$9.02M$9.93M
EBITDA$65.00K$65.00K$80.00K$9.51M$10.02M
gross Profit$33.03M$32.67M$32.46M$24.07M$24.52M
NET Income$190.00K$4.93M$4.41M$6.55M$6.71M
total Revenue$33.03M$32.67M$32.46M$24.07M$24.52M

Balance Sheet (BCAL)

itemJun 2024Mar 2024Dec 2023Sep 2023Jun 2023
cash Equivalents-----
net Debt$24.69M$2.63M$81.97M$4.98M-$61.41M
stockholders Equity$293.21M$292.49M$288.15M$278.55M$273.74M
total Assets$2.29B$2.28B$2.36B$2.31B$2.30B
total Debt$53.84M$56.32M$114.98M$38.49M$43.21M
total Liabilities$2.00B$1.99B$2.07B$2.03B$2.03B

Cash Flow (BCAL)

itemJun 2024Mar 2024Dec 2023Sep 2023Jun 2023
financing Cash Flow-$70.82M-$70.82M$36.34M-$4.11M$10.00M
free Cash Flow$9.74M$9.74M-$14.10M$11.15M$11.94M
investing Cash Flow-----$19.66M
operating Cash Flow$9.83M$9.83M-$14.03M$11.11M$12.15M

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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