NASDAQ: BCAL
California Bancorp Stock

$20.66+0.18 (+0.88%)
Updated Jul 10, 2026
BCAL Price
$20.66
Fair Value Price
$56.62
Market Cap
$664.53M
52 Week Low
$14.56
52 Week High
$21.50
P/E
11.17x
P/B
1.15x
P/S
3.1x
PEG
N/A
Dividend Yield
1.45%
Revenue
$185.01M
Earnings
$60.00M
Gross Margin
100%
Operating Margin
45.06%
Profit Margin
32.4%
Debt to Equity
6.01
Operating Cash Flow
$59M
Beta
0.7
Next Earnings
Jul 27, 2026
Ex-Dividend
N/A
Next Dividend
Jul 15, 2026

BCAL Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine BCAL's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +5.11% per year. Learn More

Zen Rating Component Grades

C
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
BCAL
Ranked
#224 of 288

Top Ranked Stocks in Industry

View Top Bank Stocks

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Overview

Due Diligence Score

Industry Average (38)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how BCAL scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

BCAL ($20.66) is undervalued by 63.51% relative to our estimate of its Fair Value price of $56.62 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
BCAL ($20.66) is significantly undervalued by 63.51% relative to our estimate of its Fair Value price of $56.62 based on Discounted Cash Flow (DCF) modelling, which includes a healthy margin of safety
Significantly Below Fair Value Valuation
BCAL is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more BCAL due diligence checks available for Premium users.

Valuation

BCAL fair value

Fair Value of BCAL stock based on Discounted Cash Flow (DCF)

Price
$20.66
Fair Value
$56.62
Undervalued by
63.51%
BCAL ($20.66) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
BCAL ($20.66) is significantly undervalued... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
BCAL is forecast by analysts... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

BCAL price to earnings (PE)

For valuing profitable companies with steady earnings

Company
11.17x
Industry
13.88x
Market
12.99x
BCAL is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BCAL is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

BCAL price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.15x
Industry
1.34x
BCAL is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

BCAL's financial health

Profit margin

Revenue
$44.6M
Net Income
$13.8M
Profit Margin
30.9%
BCAL's Earnings (EBIT) of $83.37M... subscribe to Premium to read more.
Interest Coverage Financials
BCAL's profit margin has increased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$4.0B
Liabilities
$3.5B
Debt to equity
6.01
BCAL's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$8.5M
Investing
-$8.5M
Financing
$11.2M
BCAL's operating cash flow ($58.84M)... subscribe to Premium to read more.
Debt Coverage Financials

BCAL vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
BCALC$664.53M+0.88%11.17x1.15x
PFISC$665.92M+1.02%11.27x1.27x
TCBXC$661.19M+0.25%8.70x1.02x
AROWC$671.08M+0.12%13.14x1.52x
NPBC$646.68M+1.52%8.27x1.10x

California Bancorp Stock FAQ

What is California Bancorp's quote symbol?

(NASDAQ: BCAL) California Bancorp trades on the NASDAQ under the ticker symbol BCAL. California Bancorp stock quotes can also be displayed as NASDAQ: BCAL.

If you're new to stock investing, here's how to buy California Bancorp stock.

What is the 52 week high and low for California Bancorp (NASDAQ: BCAL)?

(NASDAQ: BCAL) California Bancorp's 52-week high was $21.50, and its 52-week low was $14.56. It is currently -3.91% from its 52-week high and 41.9% from its 52-week low.

How much is California Bancorp stock worth today?

(NASDAQ: BCAL) California Bancorp currently has 32,164,824 outstanding shares. With California Bancorp stock trading at $20.66 per share, the total value of California Bancorp stock (market capitalization) is $664.53M.

California Bancorp stock was originally listed at a price of $13.50 in May 11, 2023. If you had invested in California Bancorp stock at $13.50, your return over the last 3 years would have been 53.04%, for an annualized return of 15.24% (not including any dividends or dividend reinvestments).

How much is California Bancorp's stock price per share?

(NASDAQ: BCAL) California Bancorp stock price per share is $20.66 today (as of Jul 10, 2026).

What is California Bancorp's Market Cap?

(NASDAQ: BCAL) California Bancorp's market cap is $664.53M, as of Jul 12, 2026.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

California Bancorp's market cap is calculated by multiplying BCAL's current stock price of $20.66 by BCAL's total outstanding shares of 32,164,824.
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