California BanCorp BCAL

21.64 0.05 0.23% as of 25 Sep
Market cap
$694.1M
P/E
11.6×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.51
Total sells 46.51
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 — — — — — — 1
Sell — — — 1 — 1 — 2 — 1 — —
Insider Ownership 11.59%

Capital & Financial Ratios

Market Cap 694.13
Revenue 231.44
Net Income 60.20
Free Cash Flow 59.28
Net Debt (264.95)
Current Ratio 0.99
Debt/Equity 0.00
P/E ratio 11.63
P/S ratio 3.01
P/B ratio 1.19
Past 5Y EPS Growth (22.41%)
This Y EPS Growth (9.64%)
Next Y EPS Growth 6.75%
Next 5Y EPS Growth 0.76%
in millions of $

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.42
0.10
0.10
0.12
2025 0.10
0.10
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 87 388 400 265
Receivables — — — —
Inventory — — — —
Other — — — —
2,049 3,530 3,462 3,376
2023 2024 2025 Q'26
Payables 1,944 3,399 3,371 3,359
ST’ Debt — — — —
Other — — — —
2,060 3,502 3,438 3,420
in millions of $

Compound Annual Growth

10y 5y 3y
Sales — 37.44% 34.58%
Cash Flow — 35.90% 62.50%
Earnings — 67.92% 57.59%
Book Value — 27.82% 30.35%

Revenue

Mar Jun Sep Dec Year
’26 56 56 — — —
’25 59 59 60 59 237
’24 33 33 55 64 185
’23 31 31 32 32 127
’22 20 23 26 28 97
’21 — — — — 72
’20 — — — — 48
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 9 15 — — —
’25 7 13 16 21 57
’24 8 0 18 24 50
’23 18 12 11 (8) 33
’22 (3) 8 0 9 13
’21 — — — 20 20
’20 — — — — 12
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 8 14 — — —
’25 7 13 16 21 57
’24 8 0 18 23 50
’23 18 12 11 (8) 33
’22 (4) 8 3 9 16
’21 — — — 18 18
’20 — — — — 12
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 0.42 0.44 — — —
’25 0.52 0.43 0.48 0.50 1.93
’24 0.26 0.01 (0.59) 0.54 0.22
’23 0.44 0.36 0.35 0.24 1.39
’22 0.08 (0.04) 0.38 0.47 0.88
’21 — — — — 0.72
’20 — — — — 0.49
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
7.86 11.50 12.61 11.50 8.10 12.56 14.10 12.16 12.30 11.87

Analyst estimates 2026–2028

Powerpack
Low Price
11.50 15.50 17.51 13.50 13.00 16.00 16.83 18.00 18.49 20.47
High Price
— — — — — — 200 204 289 288
Employees
— — 0 0 0 0 0 1 1 1
Revenue/Emp
— — 28 33 48 72 97 127 185 237
Revenue
— — 0.00% 0.00% 0.00% 95.35% 94.05% 76.84% 69.22% 76.00%
Gross Margin
— — 8 10 7 14 22 37 8 88
EBT
— — 27.27% 29.51% 14.00% 19.62% 22.60% 29.04% 4.48% 37.10%
EBT Margin
— — 5 7 5 11 16 26 5 63
Net Income
— — — — — (5) (1) 0 (10) (17)
Depreciation
— — 3.89 3.88 5.10 5.02 5.46 6.95 7.61 7.32
Revenue/Sh
— — 0.71 0.78 0.49 0.74 0.90 1.42 0.22 1.95
Earnings/Sh
— — 1.05 0.99 1.30 1.36 0.75 1.81 2.07 1.77
Cash Flow/Sh
— — 0.00 0.00 0.00 (0.12) 0.16 (0.02) (0.02) (0.01)
Capex/Sh
— — 1.05 0.99 1.30 1.24 0.91 1.80 2.05 1.76
Free CF/Sh
— — 14.24 14.32 17.83 17.11 14.61 15.79 21.11 17.80
Book Value/Sh
— — 7 8 9 14 18 18 24 32
Shares
— — 18.52 18.52 18.52 18.52 18.52 12.11 78.76 9.62
PE Ratio
— — 0.00 0.00 0.00 0.00 3.07 2.47 2.17 2.55
PS Ratio
— — 0.00 0.00 0.00 0.00 1.15 1.09 0.78 1.05
PB Ratio
— — 0.00 0.00 0.00 0.00 2.18 1.79 0.07 0.86
EV/Sales
— — 0.00 0.00 0.00 0.00 13.09 6.92 0.26 3.60
EV/FCF
— — 7 8 12 20 13 33 50 57
Op' Cash Flow
— — (1) (3) (2) (2) 3 0 (1) 0
Capex
— — 7 8 12 18 16 33 50 57
FCF
— — — — — 78 (21) (11) 28 24
Working Cap'
— — 35 35 209 29 79 — — —
Total Debt
— — 35 35 209 (580) (87) (87) (388) (400)
Net Debt
— — 101 121 169 247 260 288 512 577
Sh' Equity
— — 0.00% 0.85% 0.39% 0.56% 0.71% 1.12% 0.17% 1.56%
ROA
— — 0.00% 0.00% 0.00% 0.00% 8.34% 11.44% 12.41% 31.12%
ROIC
— — 0.00% 6.10% 3.26% 5.15% 6.36% 9.45% 1.36% 11.59%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

California BanCorp (BCAL) key facts

  • California BanCorp (BCAL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024.
  • As of September 25, 2026, BCAL traded at $21.64, a market capitalization of $694.1 million.
  • Return on equity was 11.6% and debt-to-equity 0.00.

Source: company filings (standardised) and stockrow calculations.

California BanCorp (BCAL) Latest News

News by impact score

Fine-tune

21 Sep

3

California BanCorp (BCAL) announced a total dividend of $0.12 per share, with an ex-dividend date of 2026-09-21 and a cash payment due on 2026-10-15. The trailing yield is 1.38% and the forward yield 2.20%, implying higher payouts ahead. As of 2026-06-30, the payout ratio is 0.16, indicating a conservative distribution. GuruFocus gives 4/10 for profitability and 4/10 for growth, noting inconsistent earnings history despite a 3-year EPS growth of ~18.7% and 3-year revenue growth of ~2.8%; 5-year EBITDA growth is ~15.5%. The piece highlights a long-running quarterly dividend history but warns of five warning signs and questions long-term sustainability given moderate profitability and growth. Investors should weigh earnings stability against limited growth potential when evaluating the upcoming payment. Low payout ratio and tepid growth imply only a moderate, not transformative, impact on future performance.

7 Aug

4

California BanCorp (BCAL) is highlighted as an undiscovered gem in the U.S. market for August 2025, showcasing its potential for growth and investment opportunities. The article emphasizes the bank's strategic initiatives, financial performance, and market positioning, suggesting that BCAL is poised for significant appreciation as it capitalizes on emerging trends and consumer demands. Analysts predict a favorable outlook for the bank, driven by its innovative approaches and commitment to community banking. Strategic initiatives and market positioning are expected to significantly influence BCAL's future performance.

3

California BanCorp (BCAL) is identified as a new strong buy stock based on its financial strengths and market outlook. Analyst endorsement may lift short-term investor interest without altering core operations.

27 Jul

3

California BanCorp reported strong second quarter earnings with significant loan growth and improved credit quality. Positive earnings, loan growth and credit improvements signal moderately better financial performance without altering long-term trajectory.

28 Apr

4

California Bancorp (BCAL) reports net income of $13.8 million for the first quarter. Strong Q1 net income of $13.8 million demonstrates solid financial performance, likely enhancing investor sentiment and stock trajectory.

26 Mar

3

California BanCorp insider increased holdings by 2,259% last year. Massive insider buying signals strong confidence, likely influencing market sentiment moderately.

12 Mar

3

California BanCorp (BCAL) declares cash dividend. Cash dividend declaration signals financial health and may moderately boost investor sentiment and stock performance.

13 Feb

4

California BanCorp (BCAL) is gaining attention due to its recent financial performance and strategic initiatives aimed at growth. The bank has shown resilience in a challenging economic environment, with improvements in loan origination and deposit growth. Analysts are optimistic about its future prospects, highlighting its strong management team and commitment to community banking. Investors are encouraged to consider BCAL as a potential opportunity in the current market landscape. Strategic initiatives and financial performance improvements are likely to significantly impact California BanCorp's future trajectory.

3

California BanCorp (BCAL) is highlighted as an undervalued small-cap stock with notable insider activity in February 2026. The article emphasizes the potential for growth in the company, driven by strategic decisions and market positioning. Investors are encouraged to consider BCAL as a promising opportunity amidst broader market trends. Insider activity suggests potential for improved financial performance and market sentiment, but overall impact remains limited.

31 Jan

4

California BanCorp (BCAL) reported strong profit growth and robust capital returns for 2025, highlighting its effective management strategies and financial stability. The bank's performance reflects a positive trajectory, driven by increased revenues and prudent capital allocation, positioning it favorably in the competitive landscape. Strong profit growth and capital returns indicate significant strategic moves that could alter the company's trajectory.

28 Jan

3 earnings

California BanCorp (BCAL) reported a net income of $16.4 million for the fourth quarter of 2025, contributing to a total annual net income of $63.1 million. The results reflect the bank's strong financial performance and growth over the year. The reported net income indicates a moderately positive influence on financial performance and market sentiment.

27 Jan

4

California BanCorp faces significant governance challenges following a controversial leadership change at Cal Coast Credit Union, raising concerns about corporate oversight and strategic direction. The turmoil has led to questions regarding the stability and future performance of the institution, potentially impacting investor confidence and market perception. Governance issues and leadership changes can significantly affect investor sentiment and the company's strategic direction.

26 Jan

3

California Bank of Commerce has strengthened its Northern California team by adding two experienced commercial bankers, enhancing its capabilities and market presence in the region. The new hires are expected to contribute significantly to the bank's growth and client service initiatives. The addition of experienced bankers may moderately influence the bank's competitive positioning and financial performance.

21 Jan

4

California BanCorp (BCAL) is highlighted as a promising small-cap investment opportunity alongside two other companies. The article emphasizes BCAL's strong financial performance, growth potential, and strategic positioning within the California banking sector, suggesting it may be undervalued in the current market. Investors are encouraged to consider BCAL for its potential upside as the market continues to evolve. BCAL's strong financial performance and growth potential indicate significant impact on its future trajectory and market positioning.

7 Jan

3

California BanCorp announced the retirement of CEO Steven Shelton and the appointment of David Rainer as his successor. This leadership change is expected to influence the company's strategic direction and operations moving forward. Leadership changes can moderately influence company performance and strategic direction.

30 Dec

4

California BanCorp (BCAL) has been highlighted as one of MarketBeat's top-rated dividend stocks for 2026, indicating strong potential for future growth and investor interest. The bank's commitment to maintaining and increasing dividends reflects its solid financial health and strategic positioning in the market. Analysts suggest that BCAL's performance may be bolstered by favorable economic conditions and effective management strategies, making it an attractive option for dividend-focused investors. Inclusion as a top-rated dividend stock suggests significant investor interest and potential for future growth.

18 Dec

4

California BanCorp (BCAL) is highlighted as a strong momentum stock due to its impressive financial performance, including significant revenue growth and a solid balance sheet. The bank's strategic initiatives and focus on expanding its market presence contribute to its positive outlook. Analysts suggest that BCAL's stock is poised for further gains, making it an attractive buy for investors looking for growth opportunities in the banking sector. Strong financial performance and strategic initiatives indicate significant potential for future growth.

9 Dec

4

California BanCorp (BCAL) is highlighted as one of three undiscovered gems in the U.S. market, showcasing potential for significant growth. The article emphasizes the bank's strong fundamentals, strategic initiatives, and favorable market conditions that could drive its performance. Investors are encouraged to consider BCAL as a promising opportunity amidst a competitive landscape. BCAL's strategic initiatives and strong fundamentals suggest a significant impact on its future performance and market positioning.

8 Dec

4

California BanCorp (BCAL) has announced its first cash dividend, marking a significant milestone for the company. The dividend reflects the bank's strong financial performance and commitment to returning value to shareholders. This decision is expected to enhance investor confidence and attract new investors, further solidifying the bank's position in the market. The initiation of a cash dividend is a significant strategic move that can enhance investor sentiment and influence future market performance.

20 Nov

4

California BanCorp (BCAL) has been identified as a top momentum stock to consider for investment as of November 20th. The company has shown strong performance indicators, making it an attractive option for investors looking for growth opportunities in the current market environment. Strong performance indicators suggest significant potential for future growth and investor interest.

4

California BanCorp (BCAL) has been identified as a strong buy stock for November 20, alongside CMC and others. The recommendation suggests positive market sentiment and potential for growth in BCAL's stock performance, indicating investor confidence in the company's future prospects. The identification of BCAL as a strong buy indicates significant investor interest and potential for substantial market impact.

5 Nov

4

California BanCorp (BCAL) is highlighted as an undervalued investment opportunity in the U.S. market for November 2025, with analysts noting its strong fundamentals and growth potential. The bank's strategic initiatives and focus on community banking are expected to drive future performance, making it a compelling choice for investors seeking hidden gems in the financial sector. Strategic initiatives and growth potential are likely to significantly impact future performance and investor sentiment.

29 Oct

3

California BanCorp (BCAL) has achieved a significant profitability milestone, reinforcing its value proposition. However, concerns regarding future growth persist, indicating potential challenges ahead for the company. Profitability improvements are notable, but ongoing growth concerns may limit overall positive impact.

28 Oct

3

California BanCorp (BCAL) reported a net income of $15.7 million for the third quarter of 2025, reflecting strong financial performance. The results indicate growth in key areas, contributing positively to the bank's overall stability and market position. The earnings highlight the effectiveness of the bank's strategies and operational efficiency during the quarter. The reported net income suggests a moderately noticeable influence on financial performance and market sentiment.

7 Oct

4

California BanCorp (BCAL) has been highlighted as one of the top undiscovered stock gems for October 2025, indicating potential for growth and investment interest. The article emphasizes the company's strong fundamentals and strategic positioning within the market, suggesting that BCAL could outperform its peers in the coming months. Investors are encouraged to consider BCAL as a promising opportunity amidst a competitive landscape. BCAL's recognition as a top stock gem suggests significant potential for growth and investor interest, which could impact its market performance.

2 Oct

4

California BanCorp (NASDAQ:BCAL) has garnered significant interest from institutional investors, holding a 43% stake in the company. This level of investment indicates confidence in BCAL's potential for growth and stability in the financial sector, suggesting a positive outlook for its future performance. The substantial institutional investment reflects a significant shift in market sentiment and could influence BCAL's strategic direction and investor confidence.

5 Sep

4

California BanCorp (BCAL) is highlighted as a promising investment opportunity due to its strong financial performance and growth potential. The bank has shown resilience in a competitive market, with increasing assets and a solid loan portfolio. Analysts suggest that BCAL's strategic initiatives and focus on community banking could position it favorably for future expansion. The article emphasizes the importance of monitoring BCAL's developments as it navigates the evolving financial landscape. BCAL's strategic initiatives and growth potential could significantly alter its trajectory and investor sentiment.

3 Sep

4

Investing in California BanCorp (NASDAQ:BCAL) five years ago would have resulted in an 89% gain, highlighting the company's strong performance and growth potential in the financial sector. The article emphasizes the positive trajectory of BCAL, suggesting that its strategic decisions and market positioning have contributed to this impressive return for investors. The significant gain over five years indicates strong market performance and potential for continued growth.

3

Millicent Tracey has been appointed to the Board of Directors of Banner Corporation, a move that is expected to enhance the board's diversity and expertise. Tracey brings extensive experience in banking and finance, having held various leadership roles in the industry. Her addition is seen as a strategic decision to strengthen governance and oversight at Banner Corporation. The appointment of a new board member may influence governance and strategic direction but is not expected to drastically alter the company's trajectory.

30 Jul

3

California BanCorp reported its second quarter 2025 earnings, with earnings per share (EPS) exceeding expectations. However, the company's revenues fell short of forecasts, indicating potential challenges in revenue generation despite the positive EPS performance. The mixed earnings report suggests moderate influence on financial performance and market sentiment.

stockrow.com/BCAL · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com