California BanCorp
BCAL
NASDAQ·Financial Services·Banks - Regional·Mkt cap $684.1M
$21.27
▼ -0.33%
P/E
11.50
Mkt Cap
$684.1M
52-Wk Range
$15.85–$22.00
52-Week Range
$15.85 - $22.00
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 26.5% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
4 reasons
- Regional market expertise and deep community relationships across five Southern California counties
- Specialized focus on underserved small-to-medium-sized businesses and professionals with personalized service
- Diversified revenue streams from deposits, lending, and fee-based services reducing interest rate sensitivity
- Efficient branch network in high-growth markets (San Diego, Orange, Inland Empire) with lower cost structure than national banks
Bear Case
1 risk
- Low volatility (beta 0.3).
Growth
Revenue decline expected
Expansion of commercial lending to SMBs in growing Southern California markets
Value
Fairly valued vs Commercial Banking peers
Momentum
Strong
+12.1% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
1.41% yield
Smart-money signal
Who's buying BCAL right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 27, 2026
JUL 27, 2026
Reported EPS of $0.44 vs $0.40 consensus (+9.1% surprise). Revenue of $44.9M vs $45.1M expected (-0.4%).
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+9.1%
Revenue trend · last 8Q
—
+103%
+105%
+99%
+19%
+21%
-6%
-10%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$38.1M
$45.5M
$59.4M
$58.6M
$59.9M
$55.1M
$55.7M
$52.8M
Margins · last 8Q
Gross
-84.5%
Operating
-36.2%
Profit
27.1%
Wall Street consensus
3 analysts · 100% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
100%
Hold
0%
Sell
0%
Median Price Target
—
Latest: Raymond James · Aug 20, 2026
vs Industry
How BCAL stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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