BCAL California BanCorp - Fundamental Analysis

NEUTRAL

BCAL Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$18.39

Analyst Target

$21.83

+18.7% Upside

52W High

$20.47

52W Low

$11.87

Overview AI Snowflake Price Valuation More metrics Peers Insiders

At a glance

Key valuation, profitability, growth, and risk metrics.

Unlock key metrics

Market cap, P/E, ROE, margins, leverage and more.

AI Analysis

Confidence Score

65%

Analysis Accuracy

BCAL exhibits a weak financial health profile with a Piotroski F-Score of 3/9, indicating significant concerns in profitability, leverage, and operating efficiency. Despite this, the company shows strong revenue growth (198.3% YoY) and solid earnings surprises in recent quarters, suggesting improving operational momentum. Valuation appears reasonable relative to peers with a P/E of 8.72 versus sector average of 20.71, though the lack of Altman Z-Score and incomplete balance sheet data limits confidence in financial stability. The stock trades above the Graham Number ($28.75) but below analyst target ($21.83), creating a mixed value signal.

Key Strengths

Exceptional year-over-year revenue growth of 198.30%, significantly outpacing sector average of 27.31%

Strong recent earnings performance with 3 out of last 4 quarters beating estimates and average surprise of 18.97%

High operating margin of 51.47%, indicating efficient cost control and pricing power

Attractive dividend yield of 2.12% with zero payout ratio, suggesting potential for future dividend growth

Valuation is favorable compared to sector, trading at P/E of 8.72 vs. peer average of 20.71

Key Risks

Very low Piotroski F-Score of 3/9, signaling weak financial health and potential deterioration in fundamentals

Missing Altman Z-Score and key leverage metrics (Debt/Equity, Total Debt) create uncertainty about bankruptcy risk

Gross Margin reported as 0.00%, which is highly unusual for a bank and may indicate data error or severe business model risk

Technical trend is deeply bearish (10/100), with recent price weakness (-3.4% over 1M, -0.9% over 1W)

Insider sentiment is weak (40/100) with no insider buying in last 6 months, suggesting lack of confidence from management

AI Fair Value Estimate

Based on comprehensive analysis

$21.83

+18.7% above current price

Performance Snowflake

Multi-dimensional AI analysis across 5 key categories

Unlock AI-Powered Analysis

See Value, Future Performance, Past Performance, Financial Health & Dividend scores

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Unlock Price Charts

View historical price trends and analyst targets

Historical Performance Trends

Long-term financial metrics and growth patterns

Unlock Historical Data

View 3-year revenue, profit margins, and growth trends

Valuation Metrics

Key valuation ratios and pricing indicators

P/E, P/B, P/S, EV/EBITDA and more

Profitability, Growth & Financial Health

Detailed profit margins, ROE, debt ratios, and liquidity metrics

Unlock Detailed Metrics

View ROE, Operating Margin, Debt/Equity, Current Ratio and more

Sector Comparison & Peer Analysis

Compare BCAL against industry averages and similar companies

Unlock Sector Insights

See how BCAL compares to competitors and industry standards

Insider Trading & Analyst Ratings

Track insider transactions and Wall Street analyst recommendations

Unlock Insider Data

See recent insider buys/sells and analyst price targets

Past News Coverage

Recent headlines mentioning BCAL from our newsroom.

Newest → oldest

Back to All Stocks

TradingGPT V1 Copilot

Fundamentals • Valuation • Risk

Hi! I'm your fundamentals copilot.

Ask me to:
• Summarize the business quality
• Review valuation and multiples
• Highlight risks and red flags
• Explain growth and margin trends