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: $21.58 to $22.10
• 50-Day Range: $20.27 to $21.90
• 52-Week Range: $15.85 to $22.10
• Volume: 174,776 shs
• Average Volume: 155,388 shs
• Market Capitalization: $701.19 million
• P/E Ratio: 11.85
• Dividend Yield: 1.83%
• Price Target: $24.50
• Consensus Rating: Moderate Buy

California BanCorp Stock Analysis - MarketRank™

California BanCorp scored higher than 85% of companies evaluated by MarketBeat, and ranked 234th out of 851 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: 3.4 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

California BanCorp has received a consensus rating of Moderate Buy. The company's average rating score is 2.83, and is based on no strong buy ratings, 5 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

California BanCorp has a consensus price target of $24.50, representing about 12.3% upside from its current price of $21.81.

Amount of Analyst Coverage

California BanCorp has been the subject of 6 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.86%

Earnings Growth

Earnings for California BanCorp are expected to grow by 6.86% in the coming year, from $1.75 to $1.87 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of California BanCorp is 11.85, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of California BanCorp is 11.85, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.67.

Price to Book Value per Share Ratio

California BanCorp has a P/B Ratio of 1.22. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 2.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

3.43% 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 6.89.

Change versus previous month

Short interest in California BanCorp has recently increased by 6.51%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

California BanCorp pays a meaningful dividend of 1.83%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

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

Dividend Coverage

The dividend payout ratio of California BanCorp is 21.74%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, California BanCorp will have a dividend payout ratio of 21.39% next year. This indicates that California BanCorp will be able to sustain or increase its dividend.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 1.30

News Sentiment

California BanCorp has a news sentiment score of 1.30. 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 is a higher news sentiment than the 0.88 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for California BanCorp this week, compared to 2 articles on an average week.

Company Ownership

• Score: 2.4 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, California BanCorp insiders have sold 1,495.95% more of their company's stock than they have bought. Specifically, they have bought $9,958.00 in company stock and sold $158,925.00 in company stock.

Percentage Held by Insiders

8.14% of the stock of California BanCorp is held by insiders.

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.

Company Calendar

• Record date for 7/15 Dividend: 6/23/2026
• Ex-Dividend for 7/15 Dividend: 6/23/2026
• Dividend Payable: 7/15/2026
• Last Earnings: 7/27/2026
• Today: 9/13/2026
• Record date for 10/15 Dividend: 9/21/2026
• Ex-Dividend for 10/15 Dividend: 9/21/2026
• Dividend Payable: 10/15/2026
• Next Earnings (Estimated): 10/27/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:BCAL
• CIK: 1795815
• Web: www.banksocal.com
• Phone: (858) 847-4780
• Fax: N/A
• Employees: 204
• Year Founded: 1977

Price Target and Rating

• Average Price Target for California BanCorp: $24.50
• High Price Target: $25.00
• Low Price Target: $24.00
• Potential Upside/Downside: +12.3%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.83
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.84
• Trailing P/E Ratio: 11.85
• Forward P/E Ratio: 12.46
• P/E Growth: N/A
• Net Income: $63.06 million
• Net Margins: 26.01%
• Pretax Margin: 35.92%
• Return on Equity: 10.44%
• Return on Assets: 1.49%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.99
• Quick Ratio: 0.98

Sales & Book Value

• Annual Sales: $237.07 million
• Price / Sales: 2.96
• Cash Flow: $1.42 per share
• Price / Cash Flow: 15.34
• Book Value: $17.84 per share
• Price / Book: 1.22

Miscellaneous

• Outstanding Shares: 32,150,000
• Free Float: 29,534,000
• Market Cap: $701.19 million
• Optionable: Not Optionable
• Beta: 0.92