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California BanCorp BCAL R2K

Financial Services · Banks - Regional · United States
https://www.californiabankofcommerce.com

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 and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.

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$18.98
+28.44% 1Y

Market & Price

Market Cap
$610.49M
Current Price
$18.98
High / Low (52W)
$19.91 / $14.06
Beta
0.31

Valuation

Stock P/E
10.37
Industry PE
12.01
Forward P/E
10.39
PEG Ratio
-
Book Value
$17.97
Price to Book
1.06
P/S
3.30
EV/EBITDA
-
Dividend Yield
2.11%

Profitability & Returns

ROCE
-
ROE
10.82%
ROA
1.49%
Profit Margin
32.43%
Op Margin
45.00%
EPS (Latest Qtr)
$0.42
EPS (TTM)
$1.83

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$53.41M
Total Assets
$4.03B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
15.38%
Chg in Prom Hold
-
FII / Inst Holding
73.26%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
$252.75M
Total Revenue (TTM)
$185.00M
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
$58.84M
Shares Outstanding
32.16M
Gross Margin
0.00%
Payout Ratio
10.93%

Growth (CAGR)

Revenue 5Y
25.01%
Profit 5Y
57.59%
Revenue (YoY)
-8.20%
Earnings (YoY)
-19.20%

PROS

  • Excellent profit margin of 32.4%.
  • Compounding revenue at 25.0% over 5 years.
  • Profit CAGR of 57.6% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

Price Chart

Robinhood TradingView StockAnalysis

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BCAL California BanCorp R2K 18.98 10.37 $610.49M 2.11% - 10.82% 25.01% 57.59%
2 JPM JPMorgan Chase & Co. SPX 299.31 14.33 $802.00B 2.00% - 16.47% 12.50% 14.83%
3 V Visa Inc. SPX 326.36 28.48 $620.65B 0.82% 38.38% 60.35% 10.92% 10.28%
4 MA Mastercard Incorporated SPX 493.98 28.57 $436.47B 0.70% 61.47% - 13.82% 14.66%
5 MS Morgan Stanley SPX 208.00 18.84 $328.08B 1.92% - 16.39% 9.52% 15.20%
6 GS The Goldman Sachs Group, Inc. SPX 1,025.56 18.73 $302.55B 1.76% - 14.55% 7.16% 15.11%
7 WFC Wells Fargo & Company SPX 77.54 11.98 $237.29B 2.32% - 12.03% 4.02% 15.98%
8 BLK BlackRock, Inc. SPX 1,046.88 26.32 $162.51B 2.19% 4.89% 11.90% 10.65% 2.36%
9 SCHW The Charles Schwab Corporation SPX 87.35 17.37 $151.91B 1.47% - 19.08% 4.83% 7.21%
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Quarterly Results

Figures in USD.

Metric Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue ----------44.82M44.27M45.18M45.90M44.22M
Cost of Revenue ---------------
Gross Profit ---------------
Operating Expenses ---------------
Operating Income ---------------
EBITDA ---------------
Interest Expense ----------14.57M14.37M14.67M13.28M11.70M
Pretax Income ----------23.68M20.07M21.82M22.39M19.09M
Tax Provision ----------6.82M5.97M6.13M5.97M5.30M
Net Income 1.45M-736.00K6.93M8.22M6.72M6.56M4.93M190.00K--16.85M14.10M15.68M16.42M13.79M
Diluted EPS 0.08-0.040.380.440.360.350.260.01--0.520.430.480.500.42

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -92.23M97.52M127.76M180.18M
Cost of Revenue -----
Gross Profit -----
Operating Expenses -----
Operating Income -----
EBITDA -----
Interest Expense -5.79M29.38M56.81M56.89M
Pretax Income -21.98M36.86M8.26M87.96M
Tax Provision -5.87M10.95M2.83M24.90M
Net Income -16.11M25.91M5.43M63.06M
Diluted EPS -0.881.390.221.93

Compounded Sales Growth

5 Years:25.01%
1 Year:-8.20%

Compounded Profit Growth

5 Years:57.59%
1 Year:-19.20%

Stock Price Performance

1 Year:+28.44%
6 Months:-1.59%
3 Months:+4.25%
1 Month:+2.04%

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets -2.28B2.36B4.03B4.03B
Current Assets -----
Cash & Equivalents -60.30M33.01M60.47M52.01M
Inventory -----
Receivables -----
Total Liabilities -2.02B2.07B3.52B3.46B
Current Liabilities -----
Long Term Debt -67.77M102.86M69.72M33.83M
Total Debt -78.83M114.98M88.03M52.77M
Total Equity -260.36M288.15M511.84M576.59M
Shares Outstanding -17.94M18.37M32.27M32.42M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow -13.35M33.10M50.29M57.29M
Investing Cash Flow --512.70M-78.93M524.65M29.75M
Financing Cash Flow -6.10M45.86M-273.58M-75.29M
Capital Expenditure --1.08M-302.00K-552.00K-346.00K
Free Cash Flow -12.27M32.80M49.74M56.94M
Net Change in Cash --493.25M33.00K301.37M11.75M
Share Buybacks -574.00K889.00K03.37M

Ratios (Annual)

Figures in %.

Metric Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----
Operating Margin % -----
Net Margin % -17.5%26.6%4.3%35.0%
ROE % -6.2%9.0%1.1%10.9%
ROCE % -----

Shareholding Pattern

Insiders
15.38%
Institutions
73.26%
Public Float
86.58%

Top Institutional Holders

#Holder% HeldSharesValue
1 Wellington Management Group, LLP 14.70% 2.69M $51.01M
2 Alliancebernstein L.P. 11.75% 2.15M $40.78M
3 FJ Capital Management LLC 11.24% 2.05M $39.00M
4 Endeavour Capital Advisors Inc 9.95% 1.82M $34.53M
5 Blackrock Inc. 7.98% 1.46M $27.68M
6 Vanguard Capital Management LLC 5.72% 1.05M $19.85M
7 BANC FUNDS CO LLC 4.55% 831.15K $15.78M
8 Manufacturers Life Insurance Co. 4.35% 795.31K $15.09M
9 State Street Corporation 4.21% 770.05K $14.62M
10 Geode Capital Management, LLC 3.04% 555.81K $10.55M

Analyst View

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