California BanCorp (BCAL)
NASDAQ:BCAL
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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
$630.75M
Enterprise Value$607.50M
Total Cash (Recent Filing)$355.01M
Total Debt (Recent Filing)$53.41M
Price to Earnings (P/E)10.7
Beta0.89
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 Cap0.96
Enterprise Value/Revenue2.60
Enterprise Value/Gross Profit3.28
Enterprise Value/Ebitda6.85
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 Leverage And Capital BaseA low debt-to-equity ratio (~0.09) and expanded shareholders’ equity provide durable capital and regulatory cushion. This conservatism supports stable lending capacity, crisis resilience, and gives management flexibility to deploy capital into lending, dividends, or buybacks without immediate funding stress.
High-quality Cash GenerationFree cash flow roughly matching net income and strong operating cash generation signal that earnings convert to cash reliably. Durable cash generation supports recurring dividends, repurchases, and reinvestment into core banking activities while reducing reliance on volatile wholesale funding.
Resolution Of Large Nonaccrual LoansThe full payoff of two large nonaccrual loans materially reduces specific credit exposure and improves asset-quality metrics. Successful workout via collateral sale demonstrates effective credit remediation processes and has a lasting positive impact on reserve adequacy and balance-sheet credit risk.
Bears Say
Paused Top-line GrowthA modest TTM revenue decline (-1.6%) implies the bank is not currently expanding its core lending or fee base fast enough to drive sustained profit growth. Over months, stagnant revenue makes it harder to lift margins or ROE without cost cuts or balance-sheet expansion, raising execution demands on management.
Q1 Asset-quality PressureRising nonperforming assets and fewer release reversals in Q1 indicate pockets of credit stress that can recur and force higher provisions. That trend can depress earnings variability and require higher capital or provisioning, limiting free capital available for growth or shareholder returns over coming quarters.
Sustainability Of Returns At Larger ScaleRapid balance-sheet and equity expansion makes maintaining current ROE and margins harder without commensurate revenue and efficiency gains. As scale grows, execution risk rises: the firm must maintain credit discipline, pricing power, and cost control to prevent dilution of returns across a bigger asset base.
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 $630.75M.
When is California BanCorp’s upcoming earnings report date?
California BanCorp’s upcoming earnings report date is Aug 03, 2026 which is in 53 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
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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 $1.9M 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 parent organization for Bank of Southern California, N.A., delivering a comprehensive array of financial solutions. Their services are designed to meet the needs of individuals, professionals, and small to mid-sized businesses. Customers can choose from a variety of deposit products, including checking, personal and business savings accounts, money market accounts, and certificates of deposit. For lending, the bank offers home equity lines of credit, diverse business loan options such as lines of credit, commercial real estate and construction loans, and Small Business Administration (SBA) loans, in addition to letters of credit, and both personal and business credit cards. Beyond traditional banking, the company provides a suite of specialized services. These encompass cash vault and sweep accounts, remote deposit capture, convenient online and mobile banking platforms, courier and lockbox services, and merchant services. The institution maintains a physical presence through branches located in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as throughout the Inland Empire region. Southern California Bancorp was established in 2001 and its main office is situated in San Diego, California.
BCAL Stock 12 Month Forecast
Average Price Target
$21.67
▲(9.54% 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
9.06% Insiders
9.32% Mutual Funds
24.06% Other Institutional Investors
46.44% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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