BCAL trades 14.6% below Wall Street's consensus target of $24.67.
Last 12 months price action with 12-month analyst target path
The base valuation assumes BCAL achieves its forward estimates and maintains a stable P/E multiple of 12.4x. This scenario reflects the blended consensus of 3 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of September 24, 2026, California BanCorp (BCAL) has a Wall Street consensus price target of $24.67, based on estimates from 3 covering analysts. With the stock currently trading at $21.52, this represents a potential upside of +14.6%. The company has a market capitalization of $692M.
Analyst price targets range from a low of $24.00 to a high of $25.00, representing a 4% spread in expectations. The median target of $25.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 3 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, BCAL trades at a trailing P/E of 11.2x and forward P/E of 12.4x. The forward PEG ratio of 0.39 suggests the stock may be undervalued relative to its growth. Analysts expect EPS to grow -6.1% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $22.48, with bear and bull scenarios of $14.16 and $29.62 respectively. Model confidence stands at 52/100, reflecting moderate uncertainty in projections.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 CVBFCVB Financial Corp. | $3.2B | $22.01 | $26.67 | +21.2% | Hold | 14.6x | 16 |
 BANCBanc of California, Inc. | $2.7B | $17.72 | $15.00 | -15.3% | Buy | — | 27 |
 HAFCHanmi Financial Corporation | $940M | $31.58 | $33.67 | +6.6% | Hold | 10.0x | 11 |
 SMBCSouthern Missouri Bancorp, Inc. | $786M | $71.33 | $84.00 | +17.8% | Hold | 11.5x | 3 |
 CBNKCapital Bancorp, Inc. | $580M | $35.62 | $37.00 | +3.9% | Buy | 10.3x | 6 |
 WAFDWaFd, Inc. | $2.3B | $30.70 | $38.00 | +23.8% | Hold | 9.3x | 11 |
 BOKFBOK Financial Corporation | $7.9B | $130.58 | $149.00 | +14.1% | Hold | 12.3x | 21 |
 PFBCPreferred Bank | $1.3B | $105.80 | $110.00 | +4.0% | Buy | 9.9x | 10 |
 CFFNCapitol Federal Financial, Inc. | $1.1B | $8.69 | $9.75 | +12.2% | Hold | 12.7x | 5 |
 NBTBNBT Bancorp Inc. | $2.6B | $50.48 | $56.67 | +12.3% | Hold | 12.1x | 10 |
Quick answers to the most common questions about buying BCAL stock.
California BanCorp (BCAL) has a consensus 12-month price target of $24.67, implying 14.6% upside from $21.52. The 3 analysts covering BCAL see moderate appreciation potential.
BCAL has a consensus rating of "Buy" based on 3 Wall Street analysts. The rating breakdown is predominantly bullish, with 3 Buy/Strong Buy ratings. The consensus 12-month price target of $24.67 implies 14.6% upside from current levels.
With a forward P/E of 12.3856x, BCAL trades at a relatively low valuation. The consensus target of $24.67 implies 14.6% appreciation, suggesting meaningful undervaluation.
The most bullish Wall Street analyst has a price target of $25 for BCAL, while the most conservative target is $24. The consensus of $24.67 represents the median expectation. Our quantitative valuation model projects a bull case target of $30 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
BCAL is lightly followed, with 3 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 3 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month BCAL stock forecast based on 3 Wall Street analysts shows a consensus price target of $24.67, with estimates ranging from $24 (bear case) to $25 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $22, with bear/bull scenarios of $14/$30.
Our quantitative valuation model calculates BCAL's fair value at $22 (base case), with a bear case of $14 and bull case of $30. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 52/100.
BCAL trades at a forward P/E ratio of 12.4x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.2x. The higher forward P/E suggests near-term earnings pressure. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
Wall Street analysts are optimistic on BCAL, with a "Buy" consensus rating and $24.67 price target (14.6% upside). 3 of 3 analysts rate it Buy or Strong Buy. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
BCAL analyst price targets range from $24 to $25, a 4% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $24.67 consensus represents the middle ground. Our model's $14-$30 range provides an independent fundamental perspective.
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