California BanCorp BCAL R2KR3KFINANCIAL
Company Overview
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.
Why Investors Should Care
Net profit has compounded at 57.6% per year over the last five years.
Revenue has grown at a 25.0% CAGR over the past five years.
Trades at a P/E of 11.9, below the sector median of 13.6.
Maintains a net profit margin of 32.7%.
Carries low leverage with a debt-to-equity ratio of 0.09.
Offers a dividend yield of 2.23%.
Recent Developments
- Dec 2025 Revenue of $180.18M (+41.0% YoY); net profit $63.06M.
- Trailing 12 Months Year-on-year growth — revenue -1.6%, earnings +2.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 25.0%, profit CAGR 57.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 25.01% |
| 1 Year: | -1.60% |
Compounded Profit Growth
| 5 Years: | 57.59% |
| 1 Year: | 2.30% |
Stock Price Performance
| 1 Year: | +38.25% |
| 6 Months: | +20.60% |
| 3 Months: | +4.49% |
| 1 Month: | +2.08% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.93 · Neutral
P/E of 11.91 is below the sector median of 13.55 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 32.7%.
- Compounding revenue at 25.0% over 5 years.
- Profit CAGR of 57.6% over 5 years.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BCAL California BanCorp R2KR3KFINANCIAL | 22.04 | 11.91 | $708.60M | 2.23% | - | 10.62% | 25.01% | 57.59% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 331.58 | 14.21 | $881.40B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 542.19 | 13.64 | $763.42B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 407.92 | 34.69 | $695.14B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 623.60 | 34.34 | $542.20B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 813,595.00 | 13.64 | $397.40B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 50.56 | 11.68 | $353.55B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 90.68 | 12.95 | $310.38B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 179.49 | 14.51 | $281.90B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | 44.82M | 44.27M | 45.18M | 45.90M | 44.22M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | 14.57M | 14.37M | 14.67M | 13.28M | 11.70M | - |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | 23.68M | 20.07M | 21.82M | 22.39M | 19.09M | - |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | 6.82M | 5.97M | 6.13M | 5.97M | 5.30M | - |
| Net Income | 1.45M | -736.00K | 6.93M | 8.22M | 6.72M | 6.56M | 4.93M | 190.00K | - | - | 16.85M | 14.10M | 15.68M | 16.42M | 13.79M | 14.30M |
| Diluted EPS | 0.08 | -0.04 | 0.38 | 0.44 | 0.36 | 0.35 | 0.26 | 0.01 | - | - | 0.52 | 0.43 | 0.48 | 0.50 | 0.42 | 0.44 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 92.23M | 97.52M | 127.76M | 180.18M |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 5.79M | 29.38M | 56.81M | 56.89M |
| Pretax Income | - | 21.98M | 36.86M | 8.26M | 87.96M |
| Tax Provision | - | 5.87M | 10.95M | 2.83M | 24.90M |
| Net Income | - | 16.11M | 25.91M | 5.43M | 63.06M |
| Diluted EPS | - | 0.88 | 1.39 | 0.22 | 1.93 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 2.28B | 2.36B | 4.03B | 4.03B |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 60.30M | 33.01M | 60.47M | 52.01M |
| Inventory | - | - | - | - | - |
| Receivables | - | - | - | - | - |
| Total Liabilities | - | 2.02B | 2.07B | 3.52B | 3.46B |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 67.77M | 102.86M | 69.72M | 33.83M |
| Total Debt | - | 78.83M | 114.98M | 88.03M | 52.77M |
| Total Equity | - | 260.36M | 288.15M | 511.84M | 576.59M |
| Shares Outstanding | - | 17.94M | 18.37M | 32.27M | 32.42M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 13.35M | 33.10M | 50.29M | 57.29M |
| Investing Cash Flow | - | -512.70M | -78.93M | 524.65M | 29.75M |
| Financing Cash Flow | - | 6.10M | 45.86M | -273.58M | -75.29M |
| Capital Expenditure | - | -1.08M | -302.00K | -552.00K | -346.00K |
| Free Cash Flow | - | 12.27M | 32.80M | 49.74M | 56.94M |
| Net Change in Cash | - | -493.25M | 33.00K | 301.37M | 11.75M |
| Share Buybacks | - | 574.00K | 889.00K | 0 | 3.37M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 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
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 13.39% | 2.45M | $51.96M |
| 2 | FJ Capital Management LLC | 11.24% | 2.05M | $43.62M |
| 3 | Alliancebernstein L.P. | 10.68% | 1.95M | $41.44M |
| 4 | Blackrock Inc. | 10.54% | 1.93M | $40.88M |
| 5 | Endeavour Capital Advisors Inc | 9.06% | 1.66M | $35.15M |
| 6 | Vanguard Capital Management LLC | 6.04% | 1.10M | $23.44M |
| 7 | State Street Corporation | 4.65% | 850.36K | $18.05M |
| 8 | BANC FUNDS CO LLC | 4.47% | 816.15K | $17.33M |
| 9 | Manufacturers Life Insurance Co. | 4.33% | 791.79K | $16.81M |
| 10 | Geode Capital Management, LLC | 3.46% | 631.92K | $13.42M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BCAL
California BanCorp Estimates – NASDAQ:BCAL - TradingView
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Analysts Estimate California BanCorp (BCAL) to Report a Decline in Earnings: What to Look Out for - Yahoo Finance
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What Makes California BanCorp (BCAL) a New Strong Buy Stock - Yahoo Finance
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Price-Driven Insight from (BCAL) for Rule-Based Strategy - Stock Traders Daily
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California BanCorp (BCAL) Expected to Release Earnings on Tuesday - MarketBeat
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Health Check: Genetic tells merger ‘third wheel’ BCAL to declare its intentions - Stockhead
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BCAL — Frequently Asked Questions
What is the current share price of California BanCorp (BCAL)?
As of 2026-10-23 16:27 PDT, California BanCorp (BCAL) trades at $22.04 on NasdaqCM. Its 52-week range is $15.65 to $22.07.
What is the market capitalisation of BCAL?
California BanCorp (BCAL) has a market capitalisation of $708.60M on NasdaqCM.
What is the P/E ratio of BCAL?
BCAL trades at a trailing price-to-earnings (P/E) ratio of 11.91. The industry average P/E is 13.55. Its price-to-book (P/B) ratio is 1.16.
Does BCAL pay a dividend?
California BanCorp (BCAL) currently offers a dividend yield of 2.23%.
What is the return on equity (ROE) of BCAL?
BCAL has a return on equity (ROE) of 10.62%.
Is BCAL a good stock to buy?
This page provides a data-driven analysis of California BanCorp (BCAL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.