California BanCorp (BCAL)

NASDAQ: BCAL · USD

$21.5

-0.43 (-2.0%)· Recorded snapshot

Market cap	691.9M
Revenue (ttm)	181.9M
Net income (ttm)	58.5M
EPS (ttm)	$1.81
Shares out	32.2M
P/E (trailing)	11.9x
P/E (forward)	11.8x
Dividend	$0.48 (2.23%)
Volume	166,311
Beta	0.35

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 181.9M
Net income (ttm): 58.5M
EPS (ttm): $1.81
P/E (trailing): 11.9x
P/E (forward): 11.8x
Market cap: 691.9M

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	ซื้อมาก
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	ซื้อมาก
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	ถือ

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E11.8

P25 8.7P50 10.4P75 12.8

Trailing P/E11.9

P25 10.7P50 13.5P75 31.8

ROE10.2

P25 4.9P50 11P75 15.4

ROICn/a

P25 -0.7P50 6.7P75 12.6

Benchmarks · 1M

All BCAL indicators

Market & fundamental data

Available fields

238

Groups with data

Currency

USD

Showing 238 of 238 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0001795815
Company name	California BanCorp
Country	United States
Country code	US
CUSIP number	84252A106
Earnings date	2026-10-28
Earnings time	bmo
Employees	297
Employees change	7
Employees growth	2.41%
Enterprise value	$444.6M
Exchange	NASDAQ
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	2001
In index	RUSSELL2000
Industry	Banks - Regional
Is primary listing	Yes
Is SPAC	No
ISIN number	US84252A1060
Last 10-K release date	2026-03-13
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split type	Never
Market cap	$691.9M
Market cap category	Small-Cap
Next earnings date	2027-01-27
Options	No
Price	$21.52
Price currency	USD
Sector	Financials
SIC code	6021
Stock price date	2026-10-28
Symbol	BCAL
U.S. state	California
Website	https://www.californiabankofcommerce.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	12.02x
Average P/E ratio (10Y)	21.45x
Average P/E ratio (3Y)	21.03x
Average P/E ratio (5Y)	20.55x
Earnings yield	8.41%
EV/Earnings	7.57x
EV/FCF	7.48x
EV/Sales	2.44x
FCF / EV yield	13.37%
FCF yield	8.58%
Forward EV/Sales	2.35x
Forward P/E	11.83x
Forward P/S	3.66x
Graham number	27.22439
Graham upside	26.74%
Industry forward P/E	9.97x
Industry P/E	11.81x
Lynch fair value	$45.26
Lynch upside	110.72%
P/B ratio	1.2x
P/E ratio	11.89x
P/FCF ratio	11.65x
P/OCF ratio	11.46x
P/S ratio	3.8x
Price / tangible book value	1.52x
Sector forward P/E	13.61x
Sector P/E	15.65x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	26.61%
FCF margin	32.17%
Operating margin	48.21%
Pretax margin	43.84%
Profit margin	32.17%
Profit per employee	$197,067
Profitable quarters	7
Profitable years	5
Revenue per employee	$612,532
ROA	1.43%
ROA (5Y)	0.82%
ROE	10.21%
ROE (5Y)	6.78%
Tax / revenue	11.67%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	-5.7%
EPS growth (Q)	-10.42%
EPS growth (QoQ)	-2.27%
EPS growth 10Y	14.99%
EPS growth 3Y	4.05%
EPS growth 5Y	33.36%
EPS growth quarters	1
EPS growth years	1
FCF growth	-4.19%
FCF growth 3Y	15.37%
Net income growth	-7.7%
Net income growth (Q)	-10.64%
Net income growth (QoQ)	-1.99%
Net income growth 3Y	24.99%
Net income growth 5Y	61.44%
Net income growth quarters	1
Net income growth years	1
OCF growth	-3.37%
OCF growth 10Y	44.38%
OCF growth 3Y	15.42%
Revenue growth	-3.09%
Revenue growth (Q)	-5.24%
Revenue growth (QoQ)	-3.08%
Revenue growth 10Y	28.7%
Revenue growth 3Y	22.21%
Revenue growth 5Y	24.16%
Revenue growth years	4

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-959,000
EPS	$1.81
FCF per share	$1.84
Financing cash flow	$1.7M
Free cash flow	$59.3M
Gross profit	$181.9M
Income taxes	$21.2M
Investing cash flow	$-227.1M
Net borrowing	$-20M
Net cash flow	$-165.2M
Net income	$58.5M
Operating income	$87.7M
Revenue	$181.9M

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$18.19
Debt / equity	0.03
Debt / FCF	0.33
Goodwill	$110.9M
Net cash (debt)	$247.3M
Net cash / market cap	35.81%
Net cash growth	-51.19%
Net debt / equity	-0.43
Net debt / FCF	-4.17
Piotroski F-Score	4
Property, plant and equipment	$27.7M
Shareholders' equity	$581.4M
Tangible book value	$454.3M
Tangible book value per share	$14.22
Total assets	$4.1B
Total cash	$266.7M
Total debt	$19.4M
Total liabilities	$3.5B
WACC	5.98%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$-3.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	1.3%
Dividend growth	0%
Dividend growth years	0
Dividend payment date	2026-10-15
Dividend payment years	2
Dividend payout frequency	Quarterly
Dividend per share	$0.48
Dividend yield	2.23%
Ex-dividend date	2026-09-21
FCF payout ratio	22.78%
Last dividend	$0.12
Payout ratio	23.2%
Shareholder yield	3.51%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	139%
10Y return CAGR	9.34%
10Y total return	144.21%
150-day SMA	$20.34
1D price change	-1.96%
1M price change	-0.6%
1M total return	-0.6%
1W price change	-1.65%
1W total return	-1.65%
1Y price change	24.99%
1Y return CAGR	27.73%
1Y total return	27.71%
20-day SMA	$21.67
200-day SMA	$19.84
20Y price change	104.86%
20Y return CAGR	3.76%
20Y total return	109.32%
3M price change	1.41%
3M total return	1.98%
3Y price change	60.64%
3Y return CAGR	17.96%
3Y total return	64.14%
50-day SMA	$21.59
50-day SMA vs 200-day SMA	50over200
52-week high	$22.41
52-week high date	2026-09-16
52-week low	$16.87
52-week low date	2026-03-12
5Y price change	42.45%
5Y return CAGR	7.8%
5Y total return	45.56%
6M price change	14.17%
6M total return	15.39%
All-time high	$22.41
All-time high date	2026-09-16
All-time low	$4.75
All-time low date	2009-07-15
Average true range (ATR)	$0.44
Average volume	200.3K
Beta (1Y)	0.27
Beta (2Y)	0.94
Beta (5Y)	0.35
Change from 52-week high	-3.97%
Change from 52-week low	27.56%
Change from all-time high	-4.01%
Change from all-time low	352.84%
Change from open	-0.55%
Day's gap	-1.41%
Dollar volume	$3.6M
High price	$21.64
Low price	$21.24
Monthly RSI	67.99
Open price	$21.64
Position in 52-week range	70%
Premarket change	-1.96%
Premarket close	$21.95
Premarket price	$21.52
Premarket volume	409
Previous close	$21.95
Price vs 150-day SMA	5.74%
Price vs 20-day SMA	-0.73%
Price vs 200-day SMA	8.42%
Price vs 50-day SMA	-0.38%
Relative volume	0.83
RSI	46.4
Sharpe ratio	1.19
Sharpe ratio (3Y)	0.59
Sharpe ratio (5Y)	0.31
Sortino ratio	2.09
Sortino ratio (3Y)	1.17
Sortino ratio (5Y)	0.76
Volume	166.3K
Weekly RSI	58.36
YTD price change	15.21%
YTD total return	17.11%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	23.4M
Float percentage	72.63%
Shares change (QoQ)	-0.04%
Shares change (YoY)	-1.3%
Shares held by insiders	15.83%
Shares held by institutions	59.88%
Shares outstanding	32.2M
Short % of float	4.26%
Short % of shares	3.09%
Short ratio	4.2 days

Deeper analysis on BCAL

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this BCAL report

Is a complete BCAL research report available?

No complete published report is available for California BanCorp (BCAL) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

California BanCorp (BCAL)

Price

Financial snapshot

Fair-value bridge

Latest news · BCAL

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BCAL indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BCAL

Frequently asked questions