BCAL
Neutral signalScored 2026-08-05 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
California BanCorp
- Nom
- California BanCorp
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $708.6M
- Employés
- 297
- PDG
- David I. Rainer
- Site web
- https://www.californiabankofcommerce.com
- Marché
- AVBHBCMLBMRCBSRRCWBCFSBC
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 7 500 titres (~158 947,50 $ US)
- Insiders
- Machado Lester
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$158,948
Avg sell (VWAP, 90d window) $21.19 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-31
- Last synced
-
2026-10-20 00:36:23
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-07-31 | Machado Lester | Sell · S | 7,500 | $21.19 | $158,948 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-05 Drivers: fundamentals. Moteurs : fondamentaux.
BCAL presents a compelling operational turnaround story with strong 2025 profitability metrics (26.6% net margin, robust EBITDA growth) and a confirmed earnings catalyst driving the stock to a 52-week high, yet the…
The first sentence of the analysis written for BCAL on 2026-08-05 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.24 · operating margin 37% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 79.7% | 57.5% | 76.1% | 88.0% | 93.6% | |
| Ebit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Ebitda Margin | 39.5% | 6.4% | 30.6% | 24.5% | 22.2% | |
| Operating Profit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Pretax Profit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Continuous Operations Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Net Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Bottom Line Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Current Ratio | 0.243 | 0.060 | 0.084 | 0.089 | 0.040 | |
| Quick Ratio | 0.243 | 0.060 | 0.084 | 0.089 | 0.040 | |
| Solvency Ratio | 0.020 | 0.003 | 0.013 | 0.009 | 0.006 | |
| Cash Ratio | 0.044 | 0.018 | 0.017 | 0.031 | 0.011 | |
| Price To Earnings Ratio | 9.574 | 75.182 | 12.218 | 18.700 | 20.257 | |
| Price To Earnings Growth Ratio | 0.012 | -0.890 | 0.211 | 0.865 | 0.422 | |
| Forward Price To Earnings Growth Ratio | 0.012 | -0.890 | 0.211 | 0.865 | 0.422 | |
| Price To Earnings Diluted Ratio | 9.674 | 75.182 | 12.482 | 19.125 | 20.819 | |
| Price To Earnings Diluted Growth Ratio | 0.012 | -0.893 | 0.215 | 0.861 | 0.444 | |
| Price To Book Ratio | 1.060 | 0.784 | 1.099 | 1.152 | 0.876 | |
| Price To Sales Ratio | 2.579 | 2.173 | 2.495 | 3.060 | 3.017 | |
| Price To Free Cash Flow Ratio | 10.736 | 8.063 | 9.651 | 24.443 | 12.064 | |
| Price To Operating Cash Flow Ratio | 10.671 | 7.974 | 9.563 | 22.464 | 10.988 | |
| Debt To Assets Ratio | 0.018 | 0.022 | 0.049 | 0.035 | 0.013 | |
| Debt To Equity Ratio | 0.124 | 0.172 | 0.399 | 0.303 | 0.119 | |
| Debt To Capital Ratio | 0.111 | 0.147 | 0.285 | 0.232 | 0.107 | |
| Long Term Debt To Capital Ratio | 0.084 | 0.120 | 0.263 | 0.207 | 0.076 | |
| Financial Leverage Ratio | 6.995 | 7.877 | 8.191 | 8.772 | 9.191 | |
| Working Capital Turnover Ratio | -0.116 | -0.074 | -0.072 | -0.054 | -0.047 | |
| Operating Cash Flow Ratio | 0.049 | 0.015 | 0.017 | 0.007 | 0.010 | |
| Operating Cash Flow Sales Ratio | 0.242 | 0.272 | 0.261 | 0.136 | 0.275 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | 0.989 | 0.991 | 0.919 | 0.911 | |
| Debt Service Coverage Ratio | 1.207 | 0.160 | 0.947 | 3.129 | 3.698 | |
| Interest Coverage Ratio | 1.546 | 0.145 | 1.254 | 3.797 | 4.220 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.799 | 0.571 | 0.288 | 0.169 | 0.668 | |
| Capital Expenditure Coverage Ratio | 165.578 | 91.109 | 109.609 | 12.352 | 11.210 | |
| Dividend Paid And Capex Coverage Ratio | 15.918 | 91.109 | 109.609 | 12.352 | 11.210 | |
| Dividend Payout Ratio | 0.052 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 6.744 | 36.021 | 10.278 | 13.279 | 14.012 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 79.7% | ▲22.3% | ▲0.7% |
| Ebit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Ebitda Margin | 39.5% | ▲33.0% | ▲14.8% |
| Operating Profit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Pretax Profit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Continuous Operations Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Net Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Bottom Line Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Current Ratio | 0.243 | ▲0.184 | ▲0.140 |
| Quick Ratio | 0.243 | ▲0.184 | ▲0.140 |
| Solvency Ratio | 0.020 | ▲0.017 | ▲0.010 |
| Cash Ratio | 0.044 | ▲0.026 | ▲0.020 |
| Price To Earnings Ratio | 9.574 | ▼-65.608 | ▼-17.612 |
| Price To Earnings Growth Ratio | 0.012 | ▲0.902 | ▼-0.112 |
| Forward Price To Earnings Growth Ratio | 0.012 | ▲0.902 | ▼-0.112 |
| Price To Earnings Diluted Ratio | 9.674 | ▼-65.508 | ▼-17.783 |
| Price To Earnings Diluted Growth Ratio | 0.012 | ▲0.906 | ▼-0.115 |
| Price To Book Ratio | 1.060 | ▲0.277 | ▲0.066 |
| Price To Sales Ratio | 2.579 | ▲0.406 | ▼-0.086 |
| Price To Free Cash Flow Ratio | 10.736 | ▲2.674 | ▼-2.255 |
| Price To Operating Cash Flow Ratio | 10.671 | ▲2.697 | ▼-1.661 |
| Debt To Assets Ratio | 0.018 | ▼-0.004 | ▼-0.009 |
| Debt To Equity Ratio | 0.124 | ▼-0.048 | ▼-0.099 |
| Debt To Capital Ratio | 0.111 | ▼-0.036 | ▼-0.066 |
| Long Term Debt To Capital Ratio | 0.084 | ▼-0.036 | ▼-0.066 |
| Financial Leverage Ratio | 6.995 | ▼-0.882 | ▼-1.210 |
| Working Capital Turnover Ratio | -0.116 | ▼-0.042 | ▼-0.043 |
| Operating Cash Flow Ratio | 0.049 | ▲0.034 | ▲0.029 |
| Operating Cash Flow Sales Ratio | 0.242 | ▼-0.031 | ▲0.004 |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | ▲0.005 | ▲0.033 |
| Debt Service Coverage Ratio | 1.207 | ▲1.048 | ▼-0.621 |
| Interest Coverage Ratio | 1.546 | ▲1.401 | ▼-0.646 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.799 | ▲0.228 | ▲0.300 |
| Capital Expenditure Coverage Ratio | 165.578 | ▲74.469 | ▲87.606 |
| Dividend Paid And Capex Coverage Ratio | 15.918 | ▼-75.190 | ▼-32.121 |
| Dividend Payout Ratio | 0.052 | ▲0.052 | ▲0.041 |
| Enterprise Value Multiple | 6.744 | ▼-29.277 | ▼-9.323 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $611.4M | $401.0M | $316.6M | $299.9M | $215.9M | |
| Enterprise value | $631.1M | $428.6M | $398.5M | $318.5M | $222.9M | |
| EV / Sales | 2.66x | 2.32x | 3.14x | 3.25x | 3.12x | |
| EV / Op. cash flow | 11.02x | 8.52x | 12.04x | 23.85x | 11.34x | |
| EV / Free cash flow | 11.08x | 8.62x | 12.15x | 25.95x | 12.45x | |
| EV / EBITDA | 6.74x | 36.02x | 10.28x | 13.28x | 14.01x | |
| Net debt / EBITDA | 0.21x | 2.32x | 2.11x | 0.77x | 0.44x | |
| Current ratio | 0.24x | 0.06x | 0.08x | 0.09x | 0.04x | |
| Income quality | 0.91x | 9.26x | 1.28x | 0.83x | 1.83x | |
| Graham number | $28 | $10 | $22 | $17 | $17 | |
| Graham net-net | -$97 | -$137 | -$105 | -$104 | -$135 | |
| Tax burden | 71.7% | 65.8% | 70.3% | 73.3% | 75.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$891.4M | -$3.20B | -$1.78B | -$1.76B | -$1.90B | |
| Invested capital | -$734.7M | -$3.03B | -$1.72B | -$1.70B | -$1.83B | |
| Return on assets | 1.6% | 0.1% | 1.1% | 0.7% | 0.5% | |
| Operating ROA | 2.2% | 0.3% | 1.6% | 1.0% | 0.7% | |
| Return on tangible assets | 1.6% | 0.1% | 1.1% | 0.7% | 0.5% | |
| Return on equity | 10.9% | 1.1% | 9.0% | 6.2% | 4.3% | |
| Return on invested capital | -8.8% | 0.9% | 6.2% | 4.6% | 3.7% | |
| Return on capital employed | 3.1% | 1.3% | 8.8% | 6.2% | 4.8% | |
| Earnings yield | 10.3% | 1.4% | 8.2% | 5.4% | 5.0% | |
| Free cash flow yield | 9.3% | 12.4% | 10.4% | 4.1% | 8.3% | |
| Capex / Op. cash flow | 0.6% | 1.1% | 0.9% | 8.1% | 8.9% | |
| Capex / Depreciation | 6.2% | 15.2% | 15.7% | 54.0% | 101.8% | |
| Capex / Sales | 0.1% | 0.3% | 0.2% | 1.1% | 2.4% | |
| SG&A / Sales | 26.9% | 27.8% | 31.6% | 38.8% | 49.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 2.5% | 3.4% | 3.6% | 3.8% | 7.7% | |
| Intangibles / Total assets | 3.2% | 3.3% | 1.7% | 1.7% | 1.7% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-09-30 CALIFORNIA BANK OF COMMERCE TO OPEN COMMERCIAL LOAN PRODUCTION OFFICE IN DOWNTOWN SAN FRANCISCO San Diego, Calif., Sept. 30, 2026 (GLOBE NEWSWIRE) -- California BanCorp (the “Company”) (Nasdaq: BCAL), the holding company for California Bank of Commerce, N.A. (the “Bank”), announces that the Bank plans to open a new commercial loan production office at 595 Market Street in downtown San Francisco on October 1, 2026. The new office reflects the Bank''s continued commitment to strategic growth and will expand its commercial banking presence in the Bay Area.
- 2026-09-17 Squarepoint Ops LLC Grows Stock Holdings in California BanCorp $BCAL Squarepoint Ops LLC lifted its holdings in California BanCorp (NASDAQ: BCAL) by 178.2% during the second quarter, according to its most recent disclosure with the Securities and Exchange Commission (SEC). The firm owned 55,679 shares of the company''s stock after acquiring an additional 35,664 shares during the quarter. Squarepoint Ops LLC owned 0.17%
- 2026-09-17 California BanCorp (NASDAQ:BCAL) Sets New 12-Month High – Should You Buy? Shares of California BanCorp (NASDAQ: BCAL - Get Free Report) reached a new 52-week high on Thursday. The company traded as high as $22.41 and last traded at $21.63, with a volume of 328628 shares traded. The stock had previously closed at $22.09. Wall Street Analyst Weigh In A number of research analysts recently issued
- 2026-09-02 Deutsche Bank AG Makes New $532,000 Investment in California BanCorp $BCAL Deutsche Bank AG bought a new stake in shares of California BanCorp (NASDAQ: BCAL) during the undefined quarter, according to the company in its most recent disclosure with the Securities and Exchange Commission. The firm bought 25,531 shares of the company''s stock, valued at approximately $532,000. Deutsche Bank AG owned approximately 0.08% of
- 2026-08-07 What Makes California BanCorp (BCAL) a New Strong Buy Stock California BanCorp (BCAL) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company''s earnings prospects. This might drive the stock higher in the near term.
- 2026-08-07 Best Value Stocks to Buy for August 7th BCAL, SUPN and NXRT made it to the Zacks Rank #1 (Strong Buy) value stocks list on August 7th, 2026.
- 2026-07-28 California BanCorp (NASDAQ:BCAL) Sets New 1-Year High on Strong Earnings California BanCorp (NASDAQ: BCAL - Get Free Report) hit a new 52-week high during mid-day trading on Monday following a better than expected earnings announcement. The stock traded as high as $22.00 and last traded at $21.57, with a volume of 12766 shares traded. The stock had previously closed at $21.02. The company reported $0.44 earnings
- 2026-07-27 CALIFORNIA BANCORP REPORTS STRONG SECOND QUARTER EARNINGS, SIGNIFICANT LOAN GROWTH AND IMPROVED CREDIT QUALITY — Company to increase its quarterly dividend by $0.02 to $0.12 per common share in the third quarter of 2026 San Diego, Calif., July 27, 2026 (GLOBE NEWSWIRE) -- California BanCorp (“us,” “we,” “our,” or the “Company”) (NASDAQ: BCAL), the holding company for California Bank of Commerce, N.A.