California BanCorp (BCAL) Stock Price, News & Analysis

Company Overview

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.

Key Stats

• Today's Range: $16.18 to $16.40
• 50-Day Range: $14.21 to $16.70
• 52-Week Range: $11.87 to $18.49
• Volume: 59,484 shs
• Average Volume: 114,182 shs
• Market Capitalization: $529.75 million
• P/E Ratio: 18.72
• Dividend Yield: N/A
• Price Target: $19.50
• Consensus Rating: Strong Buy

California BanCorp Stock Analysis - MarketRank™

California BanCorp scored higher than 58% of companies evaluated by MarketBeat, and ranked 520th out of 933 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: 2.8 / 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.

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 18.72, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 27.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of California BanCorp is 18.72, which means that it is trading at a more expensive P/E ratio than the Finance sector average P/E ratio of about 18.28.

Price to Book Value per Share Ratio

California BanCorp has a P/B Ratio of 0.97. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

1.37% 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 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in California BanCorp has recently decreased by 10.98%, indicating that investor sentiment is improving 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

1.37% 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 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in California BanCorp has recently decreased by 10.98%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: N/A
• News Sentiment: N/A

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 on January 1st, 2025. Since then, BCAL shares have decreased by 1.5% and is now trading at $16.29.

How were California BanCorp's earnings last quarter?

California BanCorp (NASDAQ:BCAL) issued 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 business had revenue of $44.82 million for the quarter, compared to analysts' expectations of $44.86 million. California BanCorp had a net margin of 13.20% and a trailing twelve-month return on equity of 10.97%.

Is California BanCorp doing a stock buyback?

California BanCorp's board approved 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. Shares buyback programs are usually a sign that the company's management believes its stock is 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: 8/20/2025
• 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: +19.7%
• 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: 18.72
• Forward P/E Ratio: 9.00
• 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: $172.76 million
• Price / Sales: 3.07
• Cash Flow: $0.72 per share
• Price / Cash Flow: 22.59
• Book Value: $16.84 per share
• Price / Book: 0.97

Miscellaneous

• Outstanding Shares: 32,518,000
• Free Float: 27,692,000
• Market Cap: $529.72 million
• Optionable: Not Optionable
• Beta: 1.20