California BanCorp (BCAL) Stock Price, News & Analysis

Company Overview

California BanCorp (NASDAQ:BCAL) is a bank holding company headquartered in California. Founded to address the diverse financial needs of businesses and individuals across the state, the company focuses on community-oriented banking solutions and operates under a locally based decision-making model.

Through its wholly owned banking subsidiary, California BanCorp offers a suite of deposit products including checking, savings, money market and certificate of deposit accounts. Its lending portfolio encompasses commercial and industrial loans, real estate and construction financing, as well as consumer lending products such as personal loans and home equity lines of credit.

In addition to core deposit and lending services, the company provides treasury and cash management services, online and mobile banking platforms, and merchant payment solutions designed to streamline operations for small to mid-sized enterprises. Emphasizing personalized service, California BanCorp leverages its regional footprint to build long-term relationships with clients.

Governed by a board of directors and executive leadership team with extensive experience in regional banking, California BanCorp continues to pursue growth through targeted expansion of its branch network and strategic investments in technology to enhance customer experience and operational efficiency.

Key Stats

• Today's Range: $16.94 to $17.38
• 50-Day Range: $14.60 to $17.10
• 52-Week Range: $11.87 to $18.49
• Volume: 71,596 shs
• Average Volume: 79,559 shs
• Market Capitalization: $556.09 million
• P/E Ratio: 19.66
• Dividend Yield: N/A
• Price Target: $19.50
• Consensus Rating: Strong Buy

California BanCorp Stock Analysis - MarketRank™

California BanCorp scored higher than 49% of companies evaluated by MarketBeat, and ranked 649th out of 925 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Strong Buy

Consensus Rating

California BanCorp has received a consensus rating of Strong Buy. The company's average rating score is 3.50, and is based on 1 buy rating, no hold ratings, and no sell ratings.

Upside Potential

California BanCorp has a consensus price target of $19.50, representing about 14.0% upside from its current price of $17.10.

Amount of Analyst Coverage

California BanCorp has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of California BanCorp is 19.66, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 277.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of California BanCorp is 19.66, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 232.30.

Price to Book Value per Share Ratio

California BanCorp has a P/B Ratio of 1.07. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.45% of the float of California BanCorp has been sold short.

Short Interest Ratio / Days to Cover

California BanCorp has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in California BanCorp has recently increased by 9.25%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

California BanCorp does not currently pay a dividend.

Dividend Growth

California BanCorp does not have a long track record of dividend growth.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

1.45% of the float of California BanCorp has been sold short.

Short Interest Ratio / Days to Cover

California BanCorp has a short interest ratio ("days to cover") of 2.8, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in California BanCorp has recently increased by 9.25%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.99

News Sentiment

California BanCorp has a news sentiment score of 0.99. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for California BanCorp this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, California BanCorp insiders have not sold or bought any company stock.

Percentage Held by Insiders

14.84% of the stock of California BanCorp is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

55.40% of the stock of California BanCorp is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BCAL Stock Analysis - Frequently Asked Questions

How have BCAL shares performed this year?

California BanCorp's stock was trading at $16.54 at the start of the year. Since then, BCAL stock has increased by 3.4% and is now trading at $17.10.

How were California BanCorp's earnings last quarter?

California BanCorp (NASDAQ:BCAL) posted its earnings results on Thursday, April, 24th. The company reported $0.52 earnings per share for the quarter, topping analysts' consensus estimates of $0.38 by $0.14. The firm had revenue of $44.82 million for the quarter, compared to the consensus estimate of $44.86 million. California BanCorp had a trailing twelve-month return on equity of 10.97% and a net margin of 13.20%.

Is California BanCorp doing a stock buyback?

California BanCorp's board authorized a stock repurchase program on Thursday, May 1st 2025, which allows the company to buy back 1,600,000 shares, according to EventVestor. This allows the company to purchase shares of its stock through open market purchases. Stock buyback programs are typically an indication that the company's management believes its shares are undervalued.

Who are California BanCorp's major shareholders?

Top institutional investors of California BanCorp include Alliancebernstein L.P. (7.60%), Endeavour Capital Advisors Inc. (7.40%), Fourthstone LLC (6.73%) and FJ Capital Management LLC (3.91%).
View institutional ownership trends.

How do I buy shares of California BanCorp?

Shares of BCAL stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of California BanCorp own?

Based on aggregate information from My MarketBeat watchlists, some other companies that California BanCorp investors own include American Water Works (AWK), The RMR Group (RMR), Waste Connections (WCN), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC), AU Optronics (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/24/2025
• Today: 9/06/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHWEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BCAL
• CIK: 1795815
• Web: www.banksocal.com
• Phone: (858) 847-4780
• Fax: N/A
• Employees: 204
• Year Founded: N/A

Price Target and Rating

• Average Price Target for California BanCorp: $19.50
• High Price Target: $20.00
• Low Price Target: $19.00
• Potential Upside/Downside: +14.0%
• Consensus Rating: Strong Buy
• Rating Score (0-4): 3.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $0.87
• Trailing P/E Ratio: 19.66
• Forward P/E Ratio: 9.45
• P/E Growth: N/A
• Net Income: $5.43 million
• Net Margins: 13.20%
• Pretax Margin: 18.78%
• Return on Equity: 10.97%
• Return on Assets: 1.40%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 1.01
• Quick Ratio: 1.01

Sales & Book Value

• Annual Sales: $184.56 million
• Price / Sales: 3.01
• Cash Flow: $0.71 per share
• Price / Cash Flow: 24.13
• Book Value: $15.91 per share
• Price / Book: 1.07

Miscellaneous

• Outstanding Shares: 32,520,000
• Free Float: 27,692,000
• Market Cap: $556.09 million
• Optionable: Not Optionable
• Beta: 1.21