Want to see BCAL full AI Analyst Report?
BCAL Stock Chart & Stats
$19.78
$0.07(0.45%)
At close: 4:00 PM EST
$19.78
$0.07(0.45%)
Day’s Range― - ―
52-Week Range$14.56 - $20.99
Previous CloseN/A
Volume12.15K
Average Volume (3M)154.65K
Market Cap
$670.31M
Enterprise Value$624.23M
Total Cash (Recent Filing)$355.01M
Total Debt (Recent Filing)$53.41M
Price to Earnings (P/E)11.3
Beta0.88
Next Earnings
Aug 03, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)1.85
Shares Outstanding32,164,825
10 Day Avg. Volume121,382
30 Day Avg. Volume154,649
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)1.06
Price to Sales (P/S)2.58
P/FCF Ratio10.74
Enterprise Value/Market Cap0.93
Enterprise Value/Revenue2.67
Enterprise Value/Gross Profit3.37
Enterprise Value/Ebitda7.04
Forecast
1Y Price Target
$21.67Price Target Upside9.54% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)1.67
Revenue Forecast (FY)$182.86M
Bulls Say, Bears Say
Bulls Say
Conservative Leverage And Strengthened EquitySustained low leverage (~0.09 debt/equity) and materially higher shareholders' equity provide durable financial flexibility. This reduces insolvency and regulatory risk, supports continued lending capacity, and enables capital returns or loss absorption during downturns without forcing rapid deleveraging.
High-quality Cash GenerationNear-1.0x FCF-to-net-income and strong operating cash flow mean earnings convert to real cash, supporting dividends, buybacks, and organic loan growth. Reliable cash conversion lowers refinancing needs and gives management durable optionality to invest or shore up capital through economic cycles.
Improved Margins And Return On EquityMaterial margin and ROE improvement reflect stronger core profitability and operating leverage after the trough. Sustained high margins provide a buffer for credit provisions and investment, supporting durable earnings power provided loan quality and funding costs remain controlled.
Bears Say
Paused Revenue GrowthA modest TTM revenue decline signals that top-line momentum has stalled even as the company enlarged its asset base. Without renewed revenue growth, sustaining current margins and ROE as the balance sheet scales will be harder, pressuring long-term profitability and capital returns.
Elevated Asset-quality Pressure After MergerPost-merger increases in nonperforming assets and fewer credit-loss reversals indicate rising credit stress that could persist. Even though some nonaccrual loans were resolved, sustained elevated NPAs would raise provisions and constrain earnings, capital and lending flexibility over months to years.
Return Sustainability Risk From Rapid Balance-sheet GrowthRapid expansion of assets and equity increases the bar to maintain ROE and margins. If new assets are deployed at lower yields or require higher provisions, the bank may see margin compression and weaker returns, making current profitability levels harder to sustain over time.
California BanCorp News
BCAL FAQ
What was California BanCorp’s price range in the past 12 months?
California BanCorp lowest stock price was $14.56 and its highest was $20.99 in the past 12 months.
What is California BanCorp’s market cap?
California BanCorp’s market cap is $670.31M.
When is California BanCorp’s upcoming earnings report date?
California BanCorp’s upcoming earnings report date is Aug 03, 2026 which is in 32 days.
How were California BanCorp’s earnings last quarter?
California BanCorp released its earnings results on Apr 23, 2026. The company reported $0.42 earnings per share for the quarter, beating the consensus estimate of $0.4 by $0.02.
Is California BanCorp overvalued?
According to Wall Street analysts California BanCorp’s price is currently Undervalued.
Does California BanCorp pay dividends?
California BanCorp pays a Notavailable dividend of $0.1 which represents an annual dividend yield of N/A. See more information on California BanCorp dividends here
What is California BanCorp’s EPS estimate?
California BanCorp’s EPS estimate is 0.4.
How many shares outstanding does California BanCorp have?
California BanCorp has 32,164,825 shares outstanding.
What happened to California BanCorp’s price movement after its last earnings report?
California BanCorp reported an EPS of $0.42 in its last earnings report, beating expectations of $0.4. Following the earnings report the stock price went up 0.054%.
Which hedge fund is a major shareholder of California BanCorp?
Currently, no hedge funds are holding shares in BCAL
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
California BanCorp Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Strong Buy
Average Price Target:
$21.67 (9.54% Upside)
$21.67 (9.54% Upside)
Hedge Fund Trend
Increased
By 1.8K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.8M over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.54%
12-Months-Change
Fundamentals
Return on Equity
10.59%
Trailing 12-Months
Asset Growth
1.65%
Trailing 12-Months
Company Description
California BanCorp
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
BCAL Stock 12 Month Forecast
Average Price Target
$21.67
▲(9.54% Upside)
Technical Analysis
Farmers National Banc Oh
―
Financial Institutions
―
Shore Bancshares
―
Washington Bancorp
―
―
Ownership Overview
9.06% Insiders
9.44% Mutual Funds
24.06% Other Institutional Investors
45.28% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---