BCAL
NEUTRAL
$18.39
Live
California BanCorp · NASDAQ
Target $21.83
(+18.7%)
$11.87
52W Range
$20.47
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Jan 24, 2026
Market cap
$598.0M
P/E
8.72
ROE
11.9%
Profit margin
33.8%
Debt/Equity
N/A
Dividend yield
2.12%
AI Analysis
AI-powered fundamental assessment
Confidence
65%
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 analysis across 5 key categories
Overall
59
Moderate
75
80
50
30
60
AI Verdict
Cautiously optimistic due to growth and valuation, but constrained by financial health concerns
Key drivers: High revenue growth and earnings beat streak, Low Piotroski F-Score, Favorable P/E relative to sector, Missing Altman Z-Score and balance sheet data
Confidence
70%
Value
75/100
Ref P/E, PEG, Graham Number
Positives
- P/E of 8.72 is well below sector average of 20.71
- Price/Sales of 3.19 is reasonable for a growing regional bank
- Stock trades below analyst target price of $21.83
Watchpoints
- Current price ($18.39) is above Graham Number ($28.75) — potential overvaluation under defensive criteria
- Intrinsic value estimate of $14.77 suggests limited growth premium
Future
80/100
Ref Growth rates
Positives
- 198.30% YoY revenue growth indicates strong top-line momentum
- Most recent EPS growth of +45.5% YoY and +11.6% QoQ
- Consistent earnings beat trend in recent quarters
Watchpoints
- Forward P/E of 10.57 implies some deceleration in growth expectations
- PEG Ratio unavailable, limiting growth-adjusted valuation analysis
Past
50/100
Ref Historical trends
Positives
- 5-year price return of +32.1% shows long-term appreciation
- History of large earnings surprises, including +38.6% in Oct 2024
Watchpoints
- Erratic earnings performance with multiple negative surprises (e.g., -88.2% in Jul 2024)
- 1-year return of +24.1% not sustained in recent months (-3.4% last month)
Health
30/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- ROE of 11.93% is positive and above sector average (-6.85%)
- Operating margin of 51.47% reflects strong core profitability
Watchpoints
- Piotroski F-Score of 3/9 indicates weak financial health
- Altman Z-Score missing, preventing distress risk assessment
- Gross Margin of 0.00% is a major red flag or data anomaly
- No data on debt, cash, or liquidity ratios
Dividend
60/100
Ref Yield, Payout
Positives
- Dividend yield of 2.12% is above market average
- Payout ratio of 0.00% suggests high sustainability and room for increases
Watchpoints
- Dividend Strength score is low at 20/100
- No ex-dividend date or 5-year yield history available
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$18.39
Analyst Target
$21.83
Upside/Downside
+18.7%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for BCAL and closest competitors.
Updated 2026-01-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
BCAL
California BanCorp
Primary
|
+32.1% | +12.0% | +24.1% | +15.2% | -3.4% | -0.9% |
|
ALRS
Alerus Financial Corporation
Peer
|
-13.5% | +59.7% | +34.4% | +5.7% | -5.8% | -1.3% |
|
BUI
BlackRock Utilities, Infrastructure & Power Opportunities Trust
Peer
|
+47.1% | +52.3% | +25.0% | +8.1% | +4.1% | +0.8% |
|
GEMI
Gemini Space Station, Inc.
Peer
|
-84.8% | -84.8% | -84.8% | -80.8% | -47.5% | +13.5% |
|
FAX
Abrdn Asia-Pacific Income Fund Inc
Peer
|
+4.5% | +36.6% | +11.0% | +2.6% | +1.1% | -0.0% |
BCA
California BanCorp
Primary
5Y
+32.1%
3Y
+12.0%
1Y
+24.1%
6M
+15.2%
1M
-3.4%
1W
-0.9%
ALR
Alerus Financial Corporation
Peer
5Y
-13.5%
3Y
+59.7%
1Y
+34.4%
6M
+5.7%
1M
-5.8%
1W
-1.3%
BUI
BlackRock Utilities, Infrastructure & Power Opportunities Trust
Peer
5Y
+47.1%
3Y
+52.3%
1Y
+25.0%
6M
+8.1%
1M
+4.1%
1W
+0.8%
GEM
Gemini Space Station, Inc.
Peer
5Y
-84.8%
3Y
-84.8%
1Y
-84.8%
6M
-80.8%
1M
-47.5%
1W
+13.5%
FAX
Abrdn Asia-Pacific Income Fund Inc
Peer
5Y
+4.5%
3Y
+36.6%
1Y
+11.0%
6M
+2.6%
1M
+1.1%
1W
-0.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
8.72
Forward P/E
10.57
PEG Ratio
N/A
P/B Ratio
1.06
P/S Ratio
3.19
EV/Revenue
0.47
EV/EBITDA
N/A
Market Cap
$598.0M
Profitability
Profit margins and return metrics
Profit Margin
33.78%
Operating Margin
51.47%
Gross Margin
N/A
ROE
11.93%
ROA
1.5%
Growth
Revenue and earnings growth rates
Revenue Growth
+198.3%
Earnings Growth
N/A
Q/Q Revenue Growth
N/A
Q/Q Earnings Growth
N/A
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$17.3
Quarterly Earnings History
EPS performance vs analyst estimates
2026-01-28
$N/A
2025-10-28
$0.48
+22.0% surprise
2025-07-28
$0.43
+4.9% surprise
2025-04-24
$0.52
+30.0% surprise
Financial Services Sector Comparison
Comparing BCAL against 820 companies in the Financial Services sector
(141 bullish, 351 neutral, 328 bearish)
P/E Ratio
8.72
This Stock
vs
36.01
Sector Avg
-75.8%
(Discount)
Return on Equity (ROE)
11.93%
This Stock
vs
-0.73%
Sector Avg
-1728.4%
(Below Avg)
Profit Margin
33.78%
This Stock
vs
91.62%
Sector Avg
-63.1%
(Weaker)
Revenue Growth
198.3%
This Stock
vs
35.27%
Sector Avg
+462.3%
(Fast Growth)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
BCAL
California BanCorp
|
NEUTRAL | $598.0M | 8.72 | 11.9% | 33.8% | $18.39 | |
|
ALRS
Alerus Financial Corporation
|
BEARISH | $598.45M | 34.65 | 3.3% | 7.8% | $23.56 | Compare |
|
BUI
BlackRock Utilities,...
|
BEARISH | $603.53M | 6.22 | -% | -% | $26.57 | Compare |
|
GEMI
Gemini Space Station, Inc.
|
BEARISH | $584.33M | - | -416.5% | -% | $4.87 | Compare |
|
FAX
Abrdn Asia-Pacific Income Fund Inc
|
BEARISH | $616.76M | 16.98 | 5.1% | 62.2% | $14.94 | Compare |
BCAL
California BanCorp
NEUTRAL
Mkt Cap
$598M
P/E
8.7
ROE
11.9%
Price
$18.39
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2025-12-09 | RAINER DAVID I. | Officer and Director | Gift | 2,000 | - |
| 2025-11-21 | ARMANINO ANDREW J | Director | Stock Award | 1,048 | - |
| 2025-11-21 | CULLEN KEVIN JOSEPH | Director | Stock Award | 1,048 | - |
| 2025-11-21 | CORTESE STEPHEN A | Director | Stock Award | 1,048 | - |
| 2025-08-21 | ARMANINO ANDREW J | Director | Stock Award | 1,214 | - |
| 2025-08-21 | CULLEN KEVIN JOSEPH | Director | Stock Award | 1,214 | - |
| 2025-08-21 | CORTESE STEPHEN A | Director | Stock Award | 1,214 | - |
RAINER DAVID I.
Officer and Director
2025-12-09
2,000 shares
ARMANINO ANDREW J
Director
2025-11-21
1,048 shares
CULLEN KEVIN JOSEPH
Director
2025-11-21
1,048 shares
CORTESE STEPHEN A
Director
2025-11-21
1,048 shares
ARMANINO ANDREW J
Director
2025-08-21
1,214 shares
CULLEN KEVIN JOSEPH
Director
2025-08-21
1,214 shares
CORTESE STEPHEN A
Director
2025-08-21
1,214 shares
Insider transactions can signal confidence or concerns about company prospects
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
NONE
3 analysts
Keefe, Bruyette & Woods
2025-10-31
Outperform
Outperform
Stephens & Co.
2025-07-29
Equal-Weight
Equal-Weight
Past News Coverage
Recent headlines mentioning BCAL from our newsroom.
Newest → oldest
No matching news yet.