Symbols / BCAL Stock $18.92 +0.42% California BanCorp

Financial Services • Banks - Regional • United States • NCM
BCAL (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. David I. Rainer
Exch · Country NCM · United States
Market Cap 608.32M
Enterprise Value 261.89M
Income 63.06M
Sales 189.00M
FCF (ttm) —
Book/sh 17.79
Cash/sh 12.37
Employees 288
Insider 10d —
IPO Nov 10, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 5.18%
P/E 10.34
Forward P/E 10.32
PEG —
P/S 3.22
P/B 1.06
P/C —
EV/EBITDA —
EV/Sales 1.39
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 1.83
EPS next Y 1.83
EPS Growth -1.10%
Revenue Growth 1.90%
EPS Gr Q/Q -2.10%
Rev Gr Q/Q —
Earnings (next) 2026-04-28
Earnings (prior) 2026-04-28
ROA 1.56%
ROE 11.59%
ROIC —
Gross Margin 0.00%
Oper. Margin 54.99%
Profit Margin 33.36%
Shs Outstand 32.15M
Shs Float 22.82M
Insider Own 15.43%
Instit Own 65.59%
Short Float 2.52%
Short Ratio 3.17
Short Interest 745.04K
52W High 20.47
vs 52W High -7.57%
52W Low 13.88
vs 52W Low 36.31%
Beta 0.27
Impl. Vol. —
Rel Volume 0.74
Avg Volume 208.30K
Volume 154.79K
Target (mean) $21.50
Tgt Median $21.50
Tgt Low $21.00
Tgt High $22.00
# Analysts 3
Recom None
Prev Close $18.84
Price $18.92
Change 0.42%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$21.50
Mean price target
2. Current target
$18.92
Latest analyst target
3. DCF / Fair value
$27.45
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$18.92
Low
$21.00
High
$22.00
Mean
$21.50

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-29 main DA Davidson Buy → Buy $22
2025-10-31 main Keefe, Bruyette & Woods Outperform → Outperform $21
2025-07-29 main Stephens & Co. Equal-Weight → Equal-Weight $19
2025-01-30 main DA Davidson Buy → Buy $20
2024-08-02 main Keefe, Bruyette & Woods Outperform → Outperform $19
2023-12-08 init Stephens & Co. — → Equal-Weight —
2023-06-21 init DA Davidson — → Buy $17
News
RSS: Latest BCAL news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-03-16 DOLAN THOMAS G Chief Financial Officer — 4,100 $0.00 $0
2026-03-06 CARANDANG JEAN M Officer — 8,000 $17.90 $143,200
2026-03-02 RAINER DAVID I. Officer and Director — 94,170 $0.00 $0
2026-03-02 DOLAN THOMAS G Chief Financial Officer — 35,560 $0.00 $0
2026-03-02 CARANDANG JEAN M Officer — 6,812 $0.00 $0
2026-03-02 WIRFEL MICHELLE Chief Operating Officer — 13,461 $0.00 $0
2026-03-02 HERNANDEZ RICHARD President — 15,055 $0.00 $0
2026-03-02 LISKA MARTIN Officer — 5,450 $0.00 $0
2026-03-02 YEUNG JOANN Officer — 5,995 $0.00 $0
2026-03-02 MERCHANT MANISHA Officer — 12,916 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
180.18
+41.03%
127.76
+31.02%
97.52
+5.73%
92.23
Operating Revenue
180.18
+41.03%
127.76
+31.02%
97.52
+5.73%
92.23
Selling General And Administration
63.75
+24.38%
51.26
+27.82%
40.10
+5.48%
38.02
Selling And Marketing Expense
—
—
—
—
General And Administrative Expense
63.75
+24.38%
51.26
+27.82%
40.10
+5.48%
38.02
Salaries And Wages
63.75
+24.38%
51.26
+27.82%
40.10
+5.48%
38.02
Reconciled Depreciation
5.62
+54.43%
3.64
+89.47%
1.92
-4.10%
2.00
Total Unusual Items
-2.04
+87.51%
-16.31
0.00
+100.00%
-7.47
Total Unusual Items Excluding Goodwill
-2.04
+87.51%
-16.31
0.00
+100.00%
-7.47
Special Income Charges
-2.04
+87.51%
-16.31
0.00
+100.00%
-7.47
Other Special Charges
2.04
+10615.79%
0.02
—
6.29
Restructuring And Mergern Acquisition
0.00
-100.00%
16.29
0.00
-100.00%
1.18
Net Income
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Pretax Income
87.96
+964.47%
8.26
-77.58%
36.86
+67.66%
21.98
Net Interest Income
169.09
+37.49%
122.98
+30.64%
94.14
+7.24%
87.79
Interest Expense
56.89
+0.13%
56.81
+93.35%
29.38
+407.58%
5.79
Interest Income
225.98
+25.69%
179.80
+45.56%
123.52
+32.00%
93.58
Gain On Sale Of Security
—
0.00
+100.00%
-0.97
+2.01%
-0.99
Gain On Sale Of Business
—
—
—
0.00
Tax Provision
24.90
+779.82%
2.83
-74.15%
10.95
+86.47%
5.87
Tax Rate For Calcs
0.00
-17.25%
0.00
+15.15%
0.00
+11.24%
0.00
Tax Effect Of Unusual Items
-0.58
+89.67%
-5.58
0.00
+100.00%
-1.99
Net Income Including Noncontrolling Interests
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Net Income From Continuing Operation Net Minority Interest
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Net Income From Continuing And Discontinued Operation
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Net Income Continuous Operations
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Normalized Income
64.52
+299.17%
16.16
-37.62%
25.91
+20.02%
21.59
Net Income Common Stockholders
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Diluted EPS
1.93
+777.27%
0.22
-84.17%
1.39
+57.95%
0.88
Basic EPS
1.95
+786.36%
0.22
-84.51%
1.42
+57.78%
0.90
Basic Average Shares
32.39
+31.16%
24.70
+35.34%
18.25
+2.38%
17.82
Diluted Average Shares
32.75
+32.60%
24.70
+32.37%
18.66
+2.35%
18.23
Diluted NI Availto Com Stockholders
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Amortization
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Amortization Of Intangibles Income Statement
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Depreciation Amortization Depletion Income Statement
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Depreciation And Amortization In Income Statement
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Occupancy And Equipment
8.60
+18.77%
7.24
+16.23%
6.23
+0.34%
6.21
Other Non Interest Expense
19.22
+3.49%
18.57
+89.16%
9.82
+2.69%
9.56
Professional Expense And Contract Services Expense
3.65
+42.48%
2.56
-20.31%
3.21
+23.64%
2.60
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
4,033.39
+0.04%
4,031.65
+70.81%
2,360.25
+3.34%
2,283.93
Cash And Cash Equivalents
52.01
-13.99%
60.47
+83.20%
33.01
-45.26%
60.30
Cash Financial
—
60.47
+83.20%
33.01
-45.26%
60.30
Other Short Term Investments
0.02
-99.98%
142.00
+9.20%
130.03
+15.50%
112.58
Net PPE
27.21
-2.63%
27.95
+23.86%
22.56
-1.66%
22.94
Gross PPE
37.62
+2.71%
36.63
+17.64%
31.14
+3.84%
29.99
Accumulated Depreciation
-10.41
-19.91%
-8.68
-1.25%
-8.57
-21.72%
-7.04
Land And Improvements
5.39
+0.00%
5.39
+0.00%
5.39
+0.00%
5.39
Buildings And Improvements
4.77
+0.00%
4.77
+0.00%
4.77
+0.00%
4.77
Machinery Furniture Equipment
6.15
+0.00%
6.15
+0.65%
6.11
+3.97%
5.88
Other Properties
15.09
+5.18%
14.35
+54.45%
9.29
+7.95%
8.61
Leases
6.23
+4.18%
5.98
+7.02%
5.58
+4.35%
5.35
Goodwill And Other Intangible Assets
129.41
-3.46%
134.06
+243.76%
39.00
-0.99%
39.39
Goodwill
110.93
-0.76%
111.79
+195.71%
37.80
+0.00%
37.80
Other Intangible Assets
18.48
-17.02%
22.27
+1763.68%
1.20
-24.56%
1.58
Investments And Advances
287.83
+47.39%
195.28
+6.33%
183.65
+10.28%
166.53
Total Liabilities Net Minority Interest
3,456.80
-1.79%
3,519.82
+69.87%
2,072.10
+2.40%
2,023.57
Long Term Debt And Capital Lease Obligation
52.77
-40.06%
88.03
-23.44%
114.98
+45.87%
78.83
Long Term Debt
33.83
-51.48%
69.72
-32.22%
102.86
+51.79%
67.77
Long Term Capital Lease Obligation
18.94
+3.42%
18.31
+51.11%
12.12
+9.61%
11.05
Stockholders Equity
576.59
+12.65%
511.84
+77.63%
288.15
+10.68%
260.36
Common Stock Equity
576.59
+12.65%
511.84
+77.63%
288.15
+10.68%
260.36
Capital Stock
442.39
-0.02%
442.47
+99.28%
222.04
+1.72%
218.28
Common Stock
442.39
-0.02%
442.47
+99.28%
222.04
+1.72%
218.28
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
32.42
+0.47%
32.27
+75.65%
18.37
+2.39%
17.94
Ordinary Shares Number
32.42
+0.47%
32.27
+75.65%
18.37
+2.39%
17.94
Retained Earnings
135.81
+78.68%
76.01
+7.70%
70.58
+45.47%
48.52
Gains Losses Not Affecting Retained Earnings
-1.62
+75.59%
-6.64
-48.93%
-4.46
+30.77%
-6.44
Other Equity Adjustments
-1.62
+75.59%
-6.64
-48.93%
-4.46
+30.77%
-6.44
Total Equity Gross Minority Interest
576.59
+12.65%
511.84
+77.63%
288.15
+10.68%
260.36
Total Capitalization
610.42
+4.96%
581.56
+48.73%
391.02
+19.17%
328.12
Invested Capital
610.42
+4.96%
581.56
+48.73%
391.02
+19.17%
328.12
Total Debt
52.77
-40.06%
88.03
-23.44%
114.98
+45.87%
78.83
Net Debt
—
9.25
-86.75%
69.86
+834.54%
7.47
Capital Lease Obligations
18.94
+3.42%
18.31
+51.11%
12.12
+9.61%
11.05
Net Tangible Assets
447.17
+18.37%
377.78
+51.62%
249.15
+12.76%
220.97
Tangible Book Value
447.17
+18.37%
377.78
+51.62%
249.15
+12.76%
220.97
Available For Sale Securities
234.87
—
—
—
Cash Cash Equivalents And Federal Funds Sold
430.85
+2.83%
418.99
+307.39%
102.85
+1.53%
101.30
Held To Maturity Securities
52.94
-0.65%
53.28
-0.63%
53.62
-0.61%
53.95
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
57.29
+13.91%
50.29
+51.93%
33.10
+147.92%
13.35
Cash Flow From Continuing Operating Activities
57.29
+13.91%
50.29
+51.93%
33.10
+147.92%
13.35
Net Income From Continuing Operations
63.06
+1060.65%
5.43
-79.03%
25.91
+60.80%
16.11
Depreciation Amortization Depletion
5.62
+54.43%
3.64
+89.47%
1.92
-4.10%
2.00
Depreciation
1.82
+3.70%
1.76
+14.97%
1.53
-2.11%
1.56
Amortization Cash Flow
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Depreciation And Amortization
5.62
+54.43%
3.64
+89.47%
1.92
-4.10%
2.00
Amortization Of Intangibles
3.79
+101.97%
1.88
+382.52%
0.39
-11.19%
0.44
Other Non Cash Items
-0.86
-124.65%
3.49
+31.81%
2.65
+134.27%
-7.72
Stock Based Compensation
5.82
-6.76%
6.24
+38.20%
4.52
+22.71%
3.68
Asset Impairment Charge
0.00
-100.00%
0.69
+416.42%
0.13
-1.47%
0.14
Deferred Tax
11.48
+2795.31%
-0.43
-201.91%
0.42
+116.39%
-2.55
Deferred Income Tax
11.48
+2795.31%
-0.43
-201.91%
0.42
+116.39%
-2.55
Operating Gains Losses
-0.58
-182.40%
0.70
+388.81%
0.14
-81.18%
0.76
Gain Loss On Investment Securities
—
0.00
-100.00%
0.97
-2.01%
0.99
Gain Loss On Sale Of PPE
0.00
-94.74%
0.02
0.00
-100.00%
0.77
Change In Working Capital
4.29
-80.55%
22.09
+1333.91%
-1.79
+12.73%
-2.05
Change In Other Working Capital
4.29
-80.55%
22.09
+1333.91%
-1.79
+12.73%
-2.05
Investing Cash Flow
29.75
-94.33%
524.65
+764.73%
-78.93
+84.61%
-512.70
Cash Flow From Continuing Investing Activities
29.75
-94.33%
524.65
+764.73%
-78.93
+84.61%
-512.70
Net PPE Purchase And Sale
-0.35
+37.32%
-0.55
-82.78%
-0.30
-110.67%
2.83
Purchase Of PPE
-0.35
+37.32%
-0.55
-82.78%
-0.30
+72.06%
-1.08
Sale Of PPE
—
—
0.00
-100.00%
3.91
Capital Expenditure
-0.35
+37.32%
-0.55
-82.78%
-0.30
+72.06%
-1.08
Net Investment Purchase And Sale
-84.65
-372.15%
31.10
+260.82%
-19.34
+84.73%
-126.66
Purchase Of Investment
-123.04
-5928.61%
-2.04
+96.98%
-67.69
+57.79%
-160.37
Sale Of Investment
38.40
+15.84%
33.15
-31.45%
48.35
+43.41%
33.71
Net Business Purchase And Sale
0.00
-100.00%
336.30
0.00
0.00
Purchase Of Business
—
—
—
0.00
Gain Loss On Sale Of Business
—
—
—
0.00
Net Other Investing Changes
2.89
+592.33%
-0.59
—
1.37
Financing Cash Flow
-75.29
+72.48%
-273.58
-696.58%
45.86
+652.02%
6.10
Cash Flow From Continuing Financing Activities
-75.29
+72.48%
-273.58
-696.58%
45.86
+652.02%
6.10
Net Issuance Payments Of Debt
-38.00
+55.29%
-85.00
-342.86%
35.00
-25.38%
46.91
Issuance Of Debt
—
0.00
-100.00%
92.00
+84.00%
50.00
Repayment Of Debt
-38.00
+55.29%
-85.00
-49.12%
-57.00
-1742.87%
-3.09
Long Term Debt Issuance
—
0.00
-100.00%
92.00
+84.00%
50.00
Long Term Debt Payments
-38.00
+55.29%
-85.00
-49.12%
-57.00
-1742.87%
-3.09
Net Long Term Debt Issuance
-38.00
+55.29%
-85.00
-342.86%
35.00
-25.38%
46.91
Net Common Stock Issuance
-2.66
-35.45%
-1.97
-121.15%
-0.89
-54.88%
-0.57
Common Stock Payments
-2.66
-35.45%
-1.97
-121.15%
-0.89
-54.88%
-0.57
Common Stock Dividend Paid
-3.25
0.00
—
—
Cash Dividends Paid
-3.25
0.00
—
—
Repurchase Of Capital Stock
-2.66
-35.45%
-1.97
-121.15%
-0.89
-54.88%
-0.57
Proceeds From Stock Option Exercised
-3.23
-440.42%
0.95
+648.03%
0.13
-87.41%
1.01
Changes In Cash
11.75
-96.10%
301.37
+913139.39%
0.03
+100.01%
-493.25
Beginning Cash Position
388.16
+347.23%
86.79
+0.04%
86.76
-85.04%
580.01
End Cash Position
399.91
+3.03%
388.16
+347.23%
86.79
+0.04%
86.76
Free Cash Flow
56.94
+14.48%
49.74
+51.65%
32.80
+167.30%
12.27
Interest Paid Supplemental Data
58.48
+12.26%
52.09
+79.46%
29.03
+422.82%
5.55
Income Tax Paid Supplemental Data
9.78
+238.84%
2.89
-76.68%
12.37
+55.56%
7.95
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
—
—
—
—
Sale Of Business
0.00
-100.00%
336.30
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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