California BanCorp (BCAL)
NASDAQ:BCAL
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California BanCorp
(NASDAQ:BCAL)
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Rating:62Neutral
Price Target:
$18.50
▼(-6.47% Downside)
Action:DowngradedDate:03/14/26
The score is driven primarily by mixed fundamentals: strong reported profitability and a conservatively levered balance sheet are offset by a major 2025 cash-flow red flag (OCF/FCF reported at zero), which increases uncertainty. Technicals are notably weak, while the low P/E and ~5.7% dividend yield help support the overall score.
Positive Factors
Capitalization
Maintaining '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.
Negative Factors
Cash-Flow Quality
Reported 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Capitalization
Maintaining '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.
Read all positive factors
California BanCorp (BCAL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$594.17M
Dividend YieldN/A
Average Volume (3M)154.65K
Price to Earnings (P/E)9.7
Beta (1Y)0.91
Revenue Growth61.29%
EPS GrowthN/A
CountryUS
Employees290
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.50
Shares Outstanding32,326,866
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/Revenue2.63
Enterprise Value/Gross Profit3.32
Enterprise Value/Ebitda6.65
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)$181.74M
California BanCorp Business Overview & Revenue Model
Company Description
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 a...
How the Company Makes Money
California BanCorp makes money primarily through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income. Net interest income is the largest driver for most commercial banks and comes from the spread between...
California BanCorp Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
84
Very Positive
Cash Flow
38
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 233.00M | 184.58M | 126.90M | 98.02M | 71.56M |
| Gross Profit | 184.93M | 106.07M | 96.60M | 86.27M | 67.00M |
| EBITDA | 87.96M | 11.90M | 38.77M | 23.98M | 15.91M |
| Net Income | 63.06M | 5.43M | 25.91M | 16.11M | 10.71M |
Balance Sheet | |||||
| Total Assets | 4.03B | 4.03B | 2.36B | 2.28B | 2.27B |
| Cash, Cash Equivalents and Short-Term Investments | 286.90M | 202.47M | 163.04M | 172.88M | 78.00M |
| Total Debt | 71.70M | 88.03M | 114.98M | 78.83M | 29.41M |
| Total Liabilities | 3.46B | 3.52B | 2.07B | 2.02B | 2.02B |
| Stockholders Equity | 576.59M | 511.84M | 288.15M | 260.36M | 246.53M |
Cash Flow | |||||
| Free Cash Flow | 56.94M | 49.74M | 32.80M | 12.27M | 17.90M |
| Operating Cash Flow | 57.29M | 50.29M | 33.10M | 13.35M | 19.65M |
| Investing Cash Flow | 29.75M | 524.65M | -78.93M | -512.70M | 8.52M |
| Financing Cash Flow | -75.29M | -273.58M | 45.86M | 6.10M | 301.01M |
California BanCorp Technical Analysis
Positive
19.78
Price Trends
18.13
Positive
18.48
Negative
17.53
Positive
Market Momentum
0.11
Negative
60.81
Neutral
80.16
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCAL, the sentiment is Positive. The current price of 19.78 is above the 20-day moving average (MA) of 17.75, above the 50-day MA of 18.13, and above the 200-day MA of 17.53, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 60.81 is Neutral, neither overbought nor oversold. The STOCH value of 80.16 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCAL.
California BanCorp Risk Analysis
California BanCorp disclosed 40 risk factors in its most recent earnings report. California BanCorp reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
California BanCorp Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $679.73M | 8.80 | 9.83% | 7.17% | -27.82% | -159.63% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $823.99M | 9.18 | 12.01% | 4.95% | 3.93% | 17.48% | |
66 Neutral | $668.54M | 8.37 | -4.98% | 3.89% | -28.00% | -174.60% | |
64 Neutral | $652.66M | 9.30 | 10.25% | 2.66% | 6.01% | 38.05% | |
62 Neutral | $594.17M | 9.70 | 11.36% | ― | 61.29% | ― |
* Financial Sector Average
BCAL
California BanCorp
18.36
6.23
51.41%
FMNB
Farmers National Banc Oh
13.89
2.49
21.79%
FISI
Financial Institutions
33.85
12.90
61.61%
SHBI
Shore Bancshares
19.39
7.69
65.67%
WASH
Washington Bancorp
35.74
11.05
44.75%
California BanCorp Corporate Events
Dividends
California BanCorp Declares Regular Quarterly Cash Dividend
Positive
Mar 12, 2026
On March 12, 2026, California BanCorp’s board of directors declared a regular quarterly cash dividend of $0.10 per share on the company’s common stock. The dividend is scheduled to be paid on April 15, 2026, to shareholders of record a...
Business Operations and StrategyExecutive/Board Changes
California BanCorp Extends CEO David Rainer’s Employment Agreement
Positive
Feb 18, 2026
On February 13, 2026, California BanCorp and its subsidiary California Bank of Commerce, N.A. amended and restated the employment agreement with David I. Rainer, effective March 1, 2026, reaffirming his role as chairman and chief executive officer...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Southern California Bancorp Posts Strong Transformational 2025 Results
Positive
Jan 28, 2026
On January 28, 2026, California BanCorp reported net income of $16.4 million, or $0.50 per diluted share, for the fourth quarter of 2025, and $63.1 million, or $1.93 per diluted share, for the full year, a sharp increase from $5.4 million in 2024,...
Business Operations and StrategyExecutive/Board Changes
Southern California Bancorp Names David Rainer Chief Executive
Positive
Jan 7, 2026
California BanCorp announced that Chief Executive Officer and director Steven E. Shelton retired from the company and its wholly owned subsidiary, California Bank of Commerce, effective December 31, 2025, after playing a key role in building the b...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.