California BanCorp

BCAL Financial Banks Regional

California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024. In the quarter to June 2026, revenue fell 3.68%, EPS grew 2.33% and free cash flow grew 6.82%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.

21.74 0.03 +0.14%
Market cap
$698.0M
P/E
11.7×
Fwd P/E
11.5×
Dividend yield
1.93%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Insider Decisions trades per month

Total buys 0.51
Total sells 46.51
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — 1 — — — — — — 1 —
Sell — — 1 — 1 — 2 — 1 — — —
Insider Ownership 11.59%

Capital & Financial Ratios $m

Market Cap 697.99
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 11.69
Fwd P/E 11.50
P/S ratio 3.02
P/B ratio 1.19
Past 5Y EPS Growth 31.54% (at or above 15%: strong)
This Y EPS Growth (9.51%) (below 0%: weak)
Next Y EPS Growth 6.46%
Next Y revenue growth (22.97%) (below 0%: weak)
Next 5Y EPS Growth 0.59%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 59.53%
10-year low 10-year high
P/S against its own 10 years 90.43%
10-year low 10-year high
P/B against its own 10 years 97.02%
10-year low 10-year high

Dividends

Payout Ratio 0.23
Annual Dividend Rate 0.42
Annual Dividend Yield 1.93%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.42
0.10
0.10
0.12
2025 0.10
0.10
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

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

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 $m

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
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

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
Fiscal quarters ending in the months shown.

Free Cash Flow $m

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
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

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 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
High 11.50 15.50 17.51 13.50 13.00 16.00 16.83 18.00 18.49 20.47
People
People Employees — — — — — — 200 204 289 288
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.49 0.62 0.64 0.82
Income, $m
Income, $m Revenue — — 28 33 48 72 97 127 185 237
Gross margin, % — — 0.00 0.00 0.00 95.35 94.05 76.84 69.22 76.00
EBT — — 8 10 7 14 22 37 8 88
EBT margin, % — — 27.27 29.51 14.00 19.62 22.60 29.04 4.48 37.10
Net income — — 5 7 5 11 16 26 5 63
Depreciation — — — — — (5) (1) 0 (10) (17)
Per share, $
Per share, $ Revenue — — 3.89 3.88 5.10 5.02 5.46 6.95 7.61 7.32
Earnings — — 0.71 0.78 0.49 0.74 0.90 1.42 0.22 1.95
Cash flow — — 1.05 0.99 1.30 1.36 0.75 1.81 2.07 1.77
Capex — — 0.00 0.00 0.00 (0.12) 0.16 (0.02) (0.02) (0.01)
Free cash flow — — 1.05 0.99 1.30 1.24 0.91 1.80 2.05 1.76
Book value — — 14.24 14.32 17.83 17.11 14.61 15.79 21.11 17.80
Shares, m — — 7 8 9 14 18 18 24 32
Valuation, ×
Valuation, × P/E — — 18.52 18.52 18.52 18.52 18.52 12.11 78.76 9.62
P/S — — 0.00 0.00 0.00 0.00 3.07 2.47 2.17 2.55
P/B — — 0.00 0.00 0.00 0.00 1.15 1.09 0.78 1.05
EV/Sales — — 0.00 0.00 0.00 0.00 2.18 1.79 0.07 0.86
EV/FCF — — 0.00 0.00 0.00 0.00 13.09 6.92 0.26 3.60
Cash, $m
Cash, $m Operating cash flow — — 7 8 12 20 13 33 50 57
Capex — — (1) (3) (2) (2) 3 0 (1) 0
Free cash flow — — 7 8 12 18 16 33 50 57
Balance, $m
Balance, $m Working capital — — — — — 78 (21) (11) 28 24
Total debt — — 35 35 209 29 79 — — —
Net debt — — 35 35 209 (580) (87) (87) (388) (400)
Shareholders’ equity — — 101 121 169 247 260 288 512 577
Returns, %
Returns, % ROA — — 0.00 0.85 0.39 0.56 0.71 1.12 0.17 1.56
ROIC — — 0.00 0.00 0.00 0.00 8.34 11.44 12.41 31.12
ROE — — 0.00 6.10 3.26 5.15 6.36 9.45 1.36 11.59
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

California BanCorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
VBNK VersaBank $725.9M 29.3× 18.0× +19.17% (above 0%: growing) +46.67% (above 0%: growing) −124.97% (below 0%: shrinking) 42.29% 0.00% Compare
WASH Washington Trust Bancorp, Inc. $707.1M 12.7× 10.7× −2.18% (below 0%: shrinking) +21.74% (above 0%: growing) +101.28% (above 0%: growing) 64.44% 0.00% Compare
CWBC Community West Bancshares $699.2M 13.8× 11.5× +32.57% (above 0%: growing) −75.61% (below 0%: shrinking) +65.55% (above 0%: growing) 76.29% 0.00% Compare
BCAL California BanCorp $698.0M 11.7× 11.5× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00%
TCBX Third Coast Bancshares, Inc. $689.5M 8.8× 10.6× +24.52% (above 0%: growing) +11.61% (above 0%: growing) +223.46% (above 0%: growing) 59.80% 0.00% Compare
AROW Arrow Financial Corporation $681.7M 11.9× 13.8× +4.55% (above 0%: growing) +1.54% (above 0%: growing) +37.22% (above 0%: growing) 71.42% 0.00% Compare
PFIS Peoples Financial Services Corp. $681.2M 12.0× 9.2× +3.78% (above 0%: growing) −12.94% (below 0%: shrinking) +54.41% (above 0%: growing) 70.19% 0.00% Compare
CARE Carter Bankshares, Inc. $671.8M 5.2× 4.6× +44.00% (above 0%: growing) +254.05% (above 0%: growing) −3,522.21% (below 0%: shrinking) 76.12% 0.00% Compare
MSBI Midland States Bancorp, Inc. $670.3M 20.7× 9.1× −7.83% (below 0%: shrinking) +86.36% (above 0%: growing) +9.48% (above 0%: growing) 74.46% 0.00% Compare
Median of peers $685.6M 12.4× 10.6× +11.86% +16.68% +45.82% 70.81% 0.00%

All 323 Banks Regional stocks →

California BanCorp (BCAL) key facts

  • Strength: California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024.
  • California BanCorp (BCAL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, BCAL traded at $21.74, a market capitalization of $698.0 million.
  • California BanCorp pays an annual dividend of $0.42 per share, a yield of 1.93%, with a payout ratio of 22.8%.
  • Return on equity was 11.6% and debt-to-equity 0.00.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

California BanCorp (BCAL) Latest News

21 Sep

28 May

12 Mar

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