California BanCorp (BCAL)

NCM – Real Time Price. Currency in USD

21.75

+0.26 (1.21%)

Market open: Aug 12, 2026, 12:14 PM EDT

21.49

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 4:10 PM EDT

Stock details

Previous close: 21.49$
Day's range: 21.15 - 21.55$
52-week range: 15.85 - 22$
Volume: 147 651
Average volume: 180 233
Beta: 0.46
EPS (TTM): 1.86
PE ratio (TTM): 11.66
Forward P/E: 12.4
Market cap: 690 915 084
Shares outstanding: 32 150 539
Dividend yield: $1.40 (1.4%)
Next earnings date: 2026-11-03
Sector: Financials
Industry: Banks - Regional

About the company

California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial an... read more

CEO: David Rainer
Country: United States
IPO Date
Employees: 288
Fiscal Year End: January - December
Website: https://www.californiabanko...

Revenue Breakdown

Commercial Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: BCAL

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Overall Score

3.9 / 1039%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $53.0M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.1) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.22	2.82	2.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.09	0.05	9.0
Debt to Assets	0.01	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			6.2

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	98M	127M	179M	236M	231M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	29M	37M	25M	90M	85M
Net Income	16M	26M	5M	63M	60M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	44.30	0.44	10
Net margin %	31.92	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	N/A	0.00	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.51	1.46	3.0
ROE	11.24	14.94	7.0
ROIC	10.05	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.5

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.1	-11.05	2.0
Next quarter	2.85	-12.15	2.5
Current year	1.26	-9.99	2.0
Next year	6.09	6.73	5.0
Weighted average score			2.9

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1	3.69	4.76	-60.11	2.8
Y/Y	-2.42	1.43	2	20.66	4.3
3y average	34.16	347.48	20.43	45.02	10
5y average	34.29	243.93	N/A	42.46	7.8
Weighted average score					6.2

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	11.63	11.16	6.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	3.88	3.37	4.0
P/B	1.17	1.53	7.0
Weighted average score			4.7

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR17.34%

FCF 5 year CAGR4

Fair value25.12$

Stock price21.6$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$25.12

UndervaluedStock priceOvervalued

$21.6

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

David Rainer

Country

United States

IPO Date

Employees

288

Fiscal Year End

January - December

Website

https://www.californiabanko...

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.22

2.82

2.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.09

0.05

9.0

Debt to Assets

0.01

0.09

9.0

Interest coverage

N/A

Weighted average score

6.2

METRIC

2022

2023

2024

2025

TTM

Total Revenue

98M

127M

179M

236M

231M

Gross Profit

N/A

Operating Income

29M

37M

25M

90M

85M

Net Income

16M

26M

63M

60M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

44.30

0.44

Net margin %

31.92

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

N/A

0.00

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.51

1.46

3.0

ROE

11.24

14.94

7.0

ROIC

10.05

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.5

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.1

-11.05

2.0

Next quarter

2.85

-12.15

2.5

Current year

1.26

-9.99

2.0

Next year

6.09

6.73

5.0

Weighted average score

2.9

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

3.69

4.76

-60.11

2.8

Y/Y

-2.42

1.43

20.66

4.3

3y average

34.16

347.48

20.43

45.02

5y average

34.29

243.93

N/A

42.46

7.8

Weighted average score

6.2

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

11.63

11.16

6.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

3.88

3.37

4.0

P/B

1.17

1.53

7.0

Weighted average score

4.7

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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California BanCorp (BCAL)

Stock details

About the company

Revenue Breakdown

News

Chart: BCAL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$25.12

$21.6

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: BCAL

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$25.12

$21.6

Economic Moat