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BCALCalifornia BanCorp
$21.79$701M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
BCAL logo

California BanCorp

BCAL
NASDAQ · Regional Banks
$21.79
At close - Nov 6, 4:00 PM EST - USD
Market Cap$701M
P/E12.1x
52W High$22.59
Volume126K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Post-Merger Turnaround Drives NIM Stability Amid CRE Risk

California BanCorp has executed a successful post-merger turnaround, with total assets expanding to $4.0B and EPS recovering to $0.44 in 2026Q2 from a net loss of $16.5M in 2024Q3. The bank's net interest margin has stabilized at 1.1%, supported by $113.7M loan growth and an efficiency ratio improvement to 43.0%.

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsStrong
Explore valuation models
MARKET ACTION

BCAL price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

In Line

P/E is in line with peer median

03

Market leadership

RS 77 · Avg

Average momentum (RS Rating: 77)

04

Strong Uptrend

Strong Trend

Price > 20DMA > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 28

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
BCAL+19.19%
S&P 500 (^GSPC)+7.63%
1-Year Return
BCAL+17.58%
S&P 500 (^GSPC)+9.69%
3-Year Return
BCAL+56.96%
S&P 500 (^GSPC)+70.03%
5-Year Return
BCAL+43.29%
S&P 500 (^GSPC)+57.99%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
12.1x
Forward P/E
12.5x
EV/EBITDA20th %ile
8.6x
FCF YieldCash Flow
3.0%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
12.1x
19.1x
20th· Low
EV/EBITDA
8.6x
13.6x
20th· Low
Price/FCF
33.7x
10.7x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue FY25
$180M+41.0% YoY
Net income FY25
$63M+1060.6% YoY
Free cash flow FY25
$57M+14.5% YoY
Operating margin FY25
48.8%+42.3 pts YoY
ROIC (FY25)10.6%
Avg ROIC 5Y5.8%
ROE (TTM)10.1%
Piotroski Score7 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate4/12 (33%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 28, 2026
$0.43-0.6%
vs $0.43
$46M-0.2%
vs $46M
Q3 2026
Jul 27, 2026
$0.44+9.1%
vs $0.40
$45M-0.4%
vs $45M
Q2 2026
Apr 28, 2026
$0.42+2.4%
vs $0.41
$44M+0.2%
vs $44M
Q1 2026
Jan 28, 2026
$0.50+13.6%
vs $0.44
$46M+1.9%
vs $45M
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
Zacks Investment Research·Oct 20, 2026
Analysts Estimate California BanCorp (BCAL) to Report a Decline in Earnings: What to Look Out for

California BanCorp (BCAL) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

GlobeNewsWire·Sep 30, 2026
CALIFORNIA BANK OF COMMERCE TO OPEN COMMERCIAL LOAN PRODUCTION OFFICE IN DOWNTOWN SAN FRANCISCO

San Diego, Calif., Sept. 30, 2026 (GLOBE NEWSWIRE) -- California BanCorp (the “Company”) (Nasdaq: BCAL), the holding company for California Bank of Commerce, N.A. (the “Bank”), announces that the Bank plans to open a new commercial loan production office at 595 Market Street in downtown San Francisco on October 1, 2026. The new office reflects the Bank's continued commitment to strategic growth and will expand its commercial banking presence in the Bay Area.

Defense World·Sep 17, 2026
Squarepoint Ops LLC Grows Stock Holdings in California BanCorp $BCAL

Squarepoint Ops LLC lifted its holdings in California BanCorp (NASDAQ: BCAL) by 178.2% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The firm owned 55,679 shares of the company's stock after acquiring an additional 35,664 shares during the quarter. Squarepoint Ops LLC owned 0.17%

Defense World·Sep 17, 2026
California BanCorp (NASDAQ:BCAL) Sets New 12-Month High – Should You Buy?

Shares of California BanCorp (NASDAQ: BCAL - Get Free Report) reached a new 52-week high on Thursday. The company traded as high as $22.41 and last traded at $21.63, with a volume of 328628 shares traded. The stock had previously closed at $22.09. Wall Street Analyst Weigh In A number of research analysts recently issued

Filtered for California BanCorpMore Headlines
04

Compare before deciding

Benchmark BCAL against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for California BanCorp (BCAL)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
BCAL logoBCALCalifornia BanCorpCurrent
$21.79$700.87M12.0641.03%32.34%10.08%0.46%
CVBF logoCVBFCVB Financial Corp.
$22.74$3.26B17.147.23%36.65%8.52%3.59%
BANC logoBANCBanc of California, Inc.
$17.98$2.76B-367.6912.72%-0.69%-0.23%2.22%
HAFC logoHAFCHanmi Financial Corporation
$32.68$972.77M10.6215.63%40.15%11.3%3.32%
SMBC logoSMBCSouthern Missouri Bancorp, Inc.
$70.46$776.16M10.319.81%38.16%12.91%1.42%
CBNK logoCBNKCapital Bancorp, Inc.
$42.39$690.45M12.8429.95%23.99%13.08%1.04%

Compare BCAL vs Peers

California BanCorp (BCAL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for BCAL.

Scale Benchmark

vs ICE

Larger-name benchmark to compare BCAL against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, BANC, HAFC, SMBC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

BCAL SEC Filings & Documents

California BanCorp (BCAL) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Jul 27, 2026·SEC

Material company update

May 28, 2026·SEC

Material company update

May 5, 2026·SEC

10-K Annual Reports

2
FY 2026

Mar 13, 2026·SEC

FY 2025

Apr 1, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 7, 2026·SEC

FY 2026

May 8, 2026·SEC

FY 2025

Nov 7, 2025·SEC

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BCAL Frequently Asked Questions

California BanCorp (BCAL) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is California BanCorp growing?

California BanCorp (BCAL) grew revenue by 0.6% over the trailing twelve months, compared with the twelve months before.

Is BCAL profitable?

Yes. California BanCorp (BCAL) earned $58.5M in net income over the trailing twelve months (a 32.3% net margin).

Dividend & Returns
Does BCAL pay dividends?

Yes. California BanCorp (BCAL) pays a dividend that yields 0.46% at the current price, a small yield.

What is BCAL's return on equity?

California BanCorp (BCAL) had a return on equity (ROE) of 10.1% over the trailing twelve months. That is in line with the market's typical 10-15%.

Industry Metrics
What is California BanCorp's net interest margin?

California BanCorp (BCAL) has a net interest margin (NIM) of 4.2%. This indicates healthy earnings from lending activities.

What is California BanCorp's efficiency ratio?

California BanCorp (BCAL) has an efficiency ratio of 56.1%. This is reasonable for a bank.

What if you invested $1,000 in BCAL back in 2005?

Total return calculator · dividends reinvested · 21+ years of data

See returns →