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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
$566.29M
Enterprise Value$585.98M
Total Cash (Recent Filing)$286.90M
Total Debt (Recent Filing)$71.70M
Price to Earnings (P/E)9.7
Beta0.93
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 Ratio10.74
Enterprise Value/Market Cap1.03
Enterprise Value/Revenue2.51
Enterprise Value/Gross Profit3.17
Enterprise Value/Ebitda6.35
Forecast
1Y Price Target
$21.00Price Target Upside6.17% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)1.65
Revenue Forecast (FY)$180.97M
Bulls Say, Bears Say
Bulls Say
CapitalizationMaintaining 'well-capitalized' regulatory status provides a durable buffer against credit stress, supports continued dividend and buyback capacity, and gives management flexibility to grow loans or absorb losses without immediate capital raises, strengthening franchise resilience.
Conservative Leverage And Improved ROEA materially lower debt-to-equity ratio with a rebound in ROE signals conservative balance-sheet positioning and more efficient capital deployment. This mix reduces financial risk and supports sustainable profitability and internal capital generation over the medium term.
Successful Merger And Expanded FootprintIntegration of the 2024 merger expanded market coverage and relationship banking scale. A broader footprint and added senior bankers enhance deposit and loan origination capacity and position the bank to capture share amid regional consolidation for durable organic growth.
Bears Say
Cash-Flow QualityReported operating cash flow and free cash flow of zero in 2025, despite positive net income, indicate weak earnings-to-cash conversion. This raises structural concerns about earnings quality, dividend sustainability, and the bank's ability to fund growth or absorb shocks without relying on nonrecurring items.
Earnings And Revenue VolatilityLarge year-to-year swings in revenue and margins reduce predictability of core earnings. Such volatility suggests results may be influenced by one-time reversals or mix shifts, complicating capital planning and underwriting decisions and weakening confidence in sustainable profitability.
Sharp Balance-Sheet Step ChangesAbrupt increases in equity and assets can mask underlying risk or accounting/transaction effects from M&A. These step changes complicate trend analysis, may affect future return metrics, and introduce uncertainty about normalized capital consumption and risk-weighted asset growth.
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 $566.29M.
When is California BanCorp’s upcoming earnings report date?
California BanCorp’s upcoming earnings report date is Apr 23, 2026 which is in 39 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
Underperform
1
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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 $44.1M over
the Last 3 Months
the Last 3 Months
News Sentiment
Bearish
Bullish news 33%
Bearish news 67%
Bearish news 67%
Technicals
SMA
Positive
20 days / 200 days
Momentum
7.54%
12-Months-Change
Fundamentals
Return on Equity
11.36%
Trailing 12-Months
Asset Growth
-0.28%
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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