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California BanCorp (BCAL)
NASDAQ:BCAL
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$11.87 - $20.47
Previous CloseN/A
Volume12.15K
Average Volume (3M)154.65K
Market Cap
$591.83M
Enterprise Value$612.81M
Total Cash (Recent Filing)$286.90M
Total Debt (Recent Filing)$71.70M
Price to Earnings (P/E)9.5
Beta0.92
Next Earnings
Apr 23, 2026EPS Estimate
0.4Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)0.50
Shares Outstanding32,322,650
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 Ratio0.00
Enterprise Value/Market Cap1.04
Enterprise Value/Revenue2.63
Enterprise Value/Gross Profit3.31
Enterprise Value/Ebitda6.64
Forecast
1Y Price Target
$21.00Price Target Upside6.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.68
Revenue Forecast (FY)$181.39M
Bulls Say, Bears Say
Bulls Say
High Profitability MarginsSustained high net and EBIT margins indicate efficient core banking operations and disciplined expense control. Durable margin levels provide internal capital to fund loan growth, absorb credit volatility, and support dividends/buybacks, strengthening franchise resilience over months.
Conservative Balance Sheet And CapitalVery low leverage and regulatory capital above well-capitalized thresholds give the bank long-term financial flexibility. This supports organic loan growth, opportunistic M&A, and shareholder returns while buffering credit stress and preserving access to funding over the medium term.
Successful Integration, Derisking, And Franchise ExpansionA transformational merger and deliberate derisking improved asset quality and expanded market footprint. Combined with capital actions (dividend, repurchases) and adding seasoned bankers, this strengthens a relationship-based commercial franchise positioned to capture consolidation-driven opportunities.
Bears Say
Net Interest Margin CompressionQuarterly declines in NIM and loan yields, if persistent, can structurally reduce net interest income for a regional lender. With lending a primary revenue source, sustained spread compression would pressure earnings power and constrain the bank's ability to fund dividends or reinvest without raising margins or cutting costs.
Slight Decline In Free Cash Flow GrowthNegative TTM free cash flow growth suggests cash conversion has weakened despite operating cash strength. Over months this can limit reinvestment in loan growth, slow balance-sheet normalization, or force reliance on external funding for capital returns, reducing financial flexibility.
Incremental Debt Increase To MonitorAlthough leverage remains low, the noted uptick in debt over time could signal creeping reliance on borrowings. If continued, higher debt could raise funding costs, compress excess capital buffers, and reduce capacity for opportunistic investments or further shareholder returns in stressed conditions.
California BanCorp News
BCAL FAQ
What was California BanCorp’s price range in the past 12 months?
California BanCorp lowest stock price was $11.87 and its highest was $20.47 in the past 12 months.
What is California BanCorp’s market cap?
California BanCorp’s market cap is $591.83M.
When is California BanCorp’s upcoming earnings report date?
California BanCorp’s upcoming earnings report date is Apr 23, 2026 which is in 51 days.
How were California BanCorp’s earnings last quarter?
California BanCorp released its earnings results on Jan 28, 2026. The company reported $0.501 earnings per share for the quarter, beating the consensus estimate of $0.433 by $0.068.
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 32,322,650 shares outstanding.
What happened to California BanCorp’s price movement after its last earnings report?
California BanCorp reported an EPS of $0.501 in its last earnings report, beating expectations of $0.433. Following the earnings report the stock price went down -0.326%.
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
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10
Analyst Consensus
Moderate Buy
Average Price Target:
$21.00 (6.17% Upside)
$21.00 (6.17% Upside)
Hedge Fund Trend
Decreased
By 63.6K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $44.0M 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
11.93%
Trailing 12-Months
Asset Growth
-6.00%
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
$21.00
▲(6.17% Upside)
Technical Analysis
Farmers National Banc Oh
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Financial Institutions
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Shore Bancshares
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Washington Bancorp
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Ownership Overview
8.99% Insiders
8.32% Mutual Funds
19.70% Other Institutional Investors
54.73% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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