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BCALCalifornia BanCorp
$21.52$692M
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
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BCAL logo

California BanCorp

BCAL
NASDAQ · Regional Banks
$21.52
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$692M
P/E11.2x
52W High$22.41
Volume291.11K
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 loa...

GrowthAccelerating
ProfitabilityStrong
ValuationAttractive
TechnicalsHealthy
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

-23% Peers

P/E is 23% below peer median

03

Market leadership

RS 74 · Avg

Average momentum (RS Rating: 74)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 27

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
BCAL+17.74%
S&P 500 (^GSPC)+12.39%
1-Year Return
BCAL+27.34%
S&P 500 (^GSPC)+15.77%
3-Year Return
BCAL+51.83%
S&P 500 (^GSPC)+80.00%
5-Year Return
BCAL+37.55%
S&P 500 (^GSPC)+73.40%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y Low
11.2x
Forward P/E
12.4x
EV/EBITDA20th %ile
7.6x
FCF YieldCash Flow
8.2%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.2x
19.1x
20th· Low
EV/EBITDA
7.6x
13.6x
20th· Low
Price/FCF
12.2x
10.7x
60th· Fair
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
$180M+41.0% YoY
Net income
$63M+1060.6% YoY
Free cash flow
$57M+14.5% YoY
Operating margin
37.1%+32.6 pts YoY
ROIC (TTM)10.6%
Avg ROIC 5Y-
ROE (TTM)11.6%
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 (64%)
Revenue Beat Rate6/12 (55%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
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
Q2 2026
Mar 13, 2026
$0.50
vs —
$55M
vs —
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

5 Stories
Defense World·6d ago
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·6d ago
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

Defense World·Sep 2, 2026
Deutsche Bank AG Makes New $532,000 Investment in California BanCorp $BCAL

Deutsche Bank AG bought a new stake in shares of California BanCorp (NASDAQ: BCAL) during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The firm bought 25,531 shares of the company's stock, valued at approximately $532,000. Deutsche Bank AG owned approximately 0.08% of

Zacks Investment Research·Aug 7, 2026
What Makes California BanCorp (BCAL) a New Strong Buy Stock

California BanCorp (BCAL) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term.

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
$21.52$692.19M11.1541.03%26.6%11.59%0.46%
CVBF logoCVBFCVB Financial Corp.
$22.01$3.16B14.487.23%29.31%8.22%—
BANC logoBANCBanc of California, Inc.
$17.72$2.72B15.0212.72%-1.19%-0.62%—
HAFC logoHAFCHanmi Financial Corporation
$31.58$940.02M12.5815.63%23.16%11.2%—
SMBC logoSMBCSouthern Missouri Bancorp, Inc.
$71.33$785.74M13.7711.06%21.42%12%—
CBNK logoCBNKCapital Bancorp, Inc.
$35.62$580.18M10.4829.95%19.26%13.85%—

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 41.0% over the past year. This is strong growth.

Is BCAL profitable?

Yes, California BanCorp (BCAL) is profitable, generating $60.2M in net income for fiscal year 2025 (26.6% net margin).

Dividend & Returns
Does BCAL pay dividends?

Yes, California BanCorp (BCAL) pays a dividend with a yield of 0.46%. This makes it attractive for income-focused investors.

What is BCAL's return on equity?

California BanCorp (BCAL) has a return on equity (ROE) of 11.6%. This is reasonable for most industries.

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 42.6%. This is excellent, indicating strong cost control.

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

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

See returns →