California BanCorp (BCAL)
NASDAQ:BCAL
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$14.07 - $20.47
Previous CloseN/A
Volume12.15K
Average Volume (3M)154.65K
Market Cap
$610.49M
Enterprise Value$607.50M
Total Cash (Recent Filing)$355.01M
Total Debt (Recent Filing)$53.41M
Price to Earnings (P/E)10.5
Beta0.92
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)2.62
P/FCF Ratio10.74
Enterprise Value/Market Cap1.00
Enterprise Value/Revenue2.65
Enterprise Value/Gross Profit3.36
Enterprise Value/Ebitda7.05
Forecast
1Y Price Target
$21.67Price Target Upside9.54% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)1.65
Revenue Forecast (FY)$181.74M
Bulls Say, Bears Say
Bulls Say
Conservative Balance Sheet / Low LeverageLow debt-to-equity (~0.09) and expanded shareholders' equity provide durable financial flexibility and regulatory cushion. That conservative capital structure supports continued lending, dividends and buybacks, and helps the bank absorb credit stress without immediate capital raises.
High-quality Cash Generation (FCF ≈ Net Income)Consistent, high-quality cash conversion (FCF ≈ net income) underpins self-funded growth, dividend payments and share repurchases. Strong operating cash flow reduces reliance on external funding, enabling durable capital allocation and provisioning through cycles.
Material Profitability Rebound And Strong MarginsMarked improvement in margins and net income versus 2024 strengthens earnings resilience and internal capital generation. Higher profitability supports ROE recovery, funds loan loss absorbency, and provides capacity to sustain shareholder returns and investment.
Bears Say
Top-line Growth Has StalledA pause in revenue amid a larger asset and equity base can pressure return sustainability: without resumed organic growth, the bank must rely on margin expansion or cost cuts to preserve ROE. Prolonged top-line stagnation limits long-term scalability and competitive positioning.
Elevated Nonperforming Assets Post-mergerRising NPAs following merger-driven expansion increases provisioning needs and can compress earnings and capital ratios. Even with specific nonaccrual payoffs, sustained asset-quality deterioration raises the probability of higher credit costs and greater capital volatility over time.
Extended CEO Contract And Rich Severance/awardsWhile leadership continuity aids execution, large RSUs and generous severance/change-in-control protections can entrench management and weaken governance incentives. This may misalign pay-performance over the long run and increase fixed compensation costs during downturns.
California BanCorp News
BCAL FAQ
What was California BanCorp’s price range in the past 12 months?
California BanCorp lowest stock price was $14.07 and its highest was $20.47 in the past 12 months.
What is California BanCorp’s market cap?
California BanCorp’s market cap is $610.49M.
When is California BanCorp’s upcoming earnings report date?
California BanCorp’s upcoming earnings report date is Aug 03, 2026 which is in 74 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
Decreased
By 63.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.9M 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
Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company 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
9.27% Insiders
8.91% Mutual Funds
24.06% Other Institutional Investors
47.39% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---