California BanCorp logo

California BanCorp(NASDAQ) BCAL

Market Cap$700.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2005)+93%
5 Year+41%
1 Year+35%
1 Month+2%
$21.78
+1.04%
+0.22Today
After hours$21.80+$0.03 (+0.11%)
California BanCorp last closing stock price
MetricPriceDate
Last closeUSD 21.782026-10-02
California BanCorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.65%USD 21.642026-09-25
1 month+1.72%USD 21.412026-09-02
3 month+4.99%USD 20.752026-07-02
Year to date+18.58%USD 18.372025-12-31
1 year+34.88%USD 16.152025-10-02
3 year+61.38%USD 13.502023-10-03
5 year+41.39%USD 15.402021-09-29
Since inception+93.1%USD 11.282005-10-05

California BanCorp Financials at a Glance

Market Cap

$700.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$231.33M

Net Income (TTM)

$60.20M

EPS (TTM)

$1.84

P/E Ratio

11.82

Dividend

$0.42

Beta (Volatility)

0.37 (Low)

Price

$21.78

Volume

230,543.514

Open

$21.71

Previous Close

$21.78

Daily Range

$21.58 - $21.90

52-Week Range

$15.85 - $22.41

Estimated Earnings Date

Oct 27, 2026

BCAL News

No articles available.

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

It's called Motley Fool Moneyball, our new proprietary AI tool

We spent over half a million dollars in R&D to build a tool that makes stock research faster, sharper, and smarter. Our analysts use it every day, and now, you can too.

Get Access Now

About California BanCorp

California BanCorp helps small businesses in California manage their money. It provides bank accounts and loans to local companies. These services help business owners grow and handle daily costs.

More Than Just a Vault

  • Lending Products: Financing for construction, land development, and industrial projects; includes Small Business Administration (SBA) loans.
  • Deposit Solutions: Standard accounts like checking, savings, and money markets; offers certificates of deposit for long-term saving.
  • Treasury Management: Digital tools for companies to move money and process payments; includes merchant and lockbox services.
  • Commercial Real Estate: Loans for properties like offices, hotels, and industrial sites; accounts for 61.3% of the total loan portfolio.

Steps Toward Strategic Growth

  • Completed a corporate reorganization in May 2020 where California Bank of Commerce became a subsidiary.
  • Established BCAL OREO1, LLC in Feb. 2024 to manage assets acquired through foreclosures.
  • Changed the corporate name to California BanCorp in Aug. 2024 to reflect its broader identity.
  • Transferred $7.4 million of loans from held-for-sale to held-for-investment categories during 2026.

What Makes This Bank Different?

California BanCorp uses a relationship-based model. This connects business clients directly with bank decision makers. It avoids specialized sectors like cryptocurrency to focus on traditional industries.

Performance by the Numbers

  • Total assets were $4.03 billion as of June 30, 2026.
  • Net interest income — the difference between interest earned and paid — reached $85.4 million for the six-month period ended June 30, 2026.
  • Net income was $28.1 million for the six-month period ended June 30, 2026, compared to $31.0 million in the prior year.
  • Total loans, including those held for sale, were $3.11 billion as of June 30, 2026.
  • The non-GAAP efficiency ratio was 55.9% for the six-month period ended June 30, 2026; this metric tracks operating costs against revenue.

The Evolving Business Model

California BanCorp has transitioned into a unified bank holding company focused on the California commercial market. Its strategy balances local relationship banking with a diversified portfolio of business loans and deposits.

AI Generated • Aug 8, 2026

Industry

Banks

Sector

Financials

Employees

288

CEO

David I. Rainer, MBA

Website

www.californiabankofcommerce.com

Headquarters

San Diego, CA 92130, US

BCAL Financials

Key Financial Metrics (TTM)

Gross Margin

79.62%

Operating Margin

35.94%

Net Income Margin

26.02%

Return on Equity

10.44%

Return on Capital

13.57%

Return on Assets

1.50%

Earnings Yield

8.46%

Dividend Yield

1.93%

Payout Ratio

16.20%

Stock Overview

Market Cap

$700.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

32.15M

Volume

230.54K

Avg. Volume

207.86K

Financials (TTM)

Gross Profit

$184.18M

Operating Income

$83.14M

EBITDA

$88.17M

Operating Cash Flow

$60.24M

Capital Expenditure

-$959.00K

Free Cash Flow

$59.28M

Cash & ST Invst.

$363.99M

Total Debt

$52.99M

California BanCorp Performance Analysis

California BanCorp annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 98,018,00037.0%
20232023-12-31USD 126,901,00029.5%
20242024-12-31USD 179,331,00041.3%
20252025-12-31USD 236,142,00031.7%
California BanCorp sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-302.1%
Q42025-12-31-1.1%
Q12026-03-31-5.5%
Q22026-06-300.8%
California BanCorp annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 0.8823.1%
20232023-12-31USD 1.3957.1%
20242024-12-31USD 0.22-84.1%
20252025-12-31USD 1.93772.9%
California BanCorp sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-3011.6%
Q42025-12-314.2%
Q12026-03-31-16.0%
Q22026-06-304.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$56.38M

-3.9%

Gross Profit

$44.08M

-1.8%

Gross Margin

78.20%

N/A

Market Cap

$700.24MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.36M

N/A

Employees

297

N/A

Net Income

$14.30M

+1.4%

EBITDA

$20.99M

-2.3%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$363.99M

+320.1%

Total Debt

$52.99M

-23.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$52.99M

-23.9%

Short Term Debt

$0.00

N/A

Return on Assets

1.50%

N/A

Return on Invested Capital

12.48%

N/A

Free Cash Flow

$14.30M

+6.8%

Operating Cash Flow

$14.82M

+10.4%

Other Investments to Explore

People Also Watch

Symbol / CompanyPricePrice Chg
IBCPIndependent Bank Corporation
$36.37+2.25%
SMBCSouthern Missouri Bancorp, Inc.
$72.59+1.72%
ORRFOrrstown Financial Services, Inc.
$41.67+1.56%
SPFISouth Plains Financial, Inc.
$43.02+1.75%

Trending Stocks

Symbol / CompanyPricePrice Chg
NKENike
$33.87-3.64%
NVDANvidia
$233.95+1.34%
SPCXSpace Exploration Technologies
$158.96+7.36%
SOXSDirexion Shares ETF Trust - Direxion Daily Semiconductor Bear 3x ETF
$29.71-6.46%

Questions About BCAL

What is the current price of California BanCorp?

California BanCorp is trading at $21.78 per share.

What is the 52-week range for California BanCorp?

Over the past 52 weeks, California BanCorp has traded between $15.85 and $22.41.

How much debt does California BanCorp have?

As of the most recent reporting period, California BanCorp reported total debt of $52.99M.

How much cash does California BanCorp have on hand?

California BanCorp does not have cash on hand data available.

What is California BanCorp’s dividend yield?

California BanCorp currently has a dividend yield of 1.93%.

Premium Investing Services

Invest better with The Motley Fool. Get stock recommendations, portfolio guidance, and more from The Motley Fool's premium services.

View Premium Services