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California BanCorp(NASDAQ) BCAL

Current Price$21.01
Market Cap$676.10MMarket 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)+85%
5 Year+53%
1 Year+32%
1 Month+2%
California BanCorp last closing stock price
MetricPriceDate
Last closeUSD 21.022026-07-24
California BanCorp stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-0.99%USD 21.232026-07-17
1 month+1.94%USD 20.622026-06-24
3 month+14.39%USD 18.382026-04-24
Year to date+13.81%USD 18.472025-12-31
1 year+32.18%USD 15.902025-07-24
3 year+44.23%USD 14.572023-07-25
5 year+52.57%USD 13.782021-07-23
Since inception+85.34%USD 11.342005-10-05

California BanCorp Financials at a Glance

Market Cap

$676.10MMarket 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)

$233.60M

Net Income (TTM)

$60.00M

EPS (TTM)

$1.83

P/E Ratio

11.47

Dividend

$0.30

Beta (Volatility)

0.37 (Low)

Price

$21.01

Volume

3,574

Open

$21.06

Previous Close

$21.01

Daily Range

$20.82 - $21.14

52-Week Range

$14.56 - $21.71

Estimated Earnings Date

Jul 27, 2026

BCAL News

No articles available.

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About California BanCorp

California BanCorp helps small and medium businesses manage their daily money needs. It provides loans and banking services to professionals and local companies across California. These services help clients grow their operations and handle complex financial tasks.

What is on the Menu?

  • Commercial Real Estate: Loans for buying or improving business properties and multifamily residential buildings.
  • Business Operations: Lending for working capital and equipment to manufacturers, wholesalers, and professional service firms.
  • Government-Backed Loans: Funding through the Small Business Administration 7(a) and 504 programs for smaller companies.
  • Treasury Services: Online banking and cash management tools like remote deposit and vault services for business cash flow.
  • Deposit Products: Checking and savings accounts along with certificates of deposit and money market options.

Bigger Footprints in California

  • Merged with California BanCorp on July 31, 2024, in an all-stock deal valued at $216.6 million.
  • Acquired Bank of Santa Clarita on October 1, 2021, to expand its presence north of Los Angeles.
  • Opened new regional banking offices in West Los Angeles and Ventura to target commercial clients.
  • Sold retail branches in Orange and Redlands in September 2021 to focus on business banking.

Local Knowledge Wins

The company operates 14 branches and 11 commercial offices using a relationship-based banking model. Its local advisory boards provide market insights that help it compete against much larger national financial institutions.

The Financial Scorecard

  • Total consolidated assets reached $4.03 billion on December 31, 2025.
  • Net income was $13.8 million in Q1 2026, down 18.2% from $16.9 million in Q1 2025.
  • Revenue hit $55.7 million in Q1 2026, a 6.3% decrease compared to the previous year.
  • Total deposits stood at $3.37 billion as of December 31, 2025.
  • Operating income for Q1 2026 was $19.1 million, down 19.4% year-over-year.

Bottom Line

California BanCorp has evolved from a local retail bank into a statewide commercial lender through strategic mergers and branch sales. This growth allows the firm to serve the high concentration of mid-market businesses throughout the California economy.

AI Generated • May 5, 2026

Industry

Banks

Sector

Financials

CEO

David I. Rainer, MBA

Website

www.californiabankofcommerce.com

Headquarters

San Diego, CA 92130, US

BCAL Financials

Key Financial Metrics (TTM)

Gross Margin

79.20%

Operating Margin

35.69%

Net Income Margin

25.68%

Return on Equity

10.59%

Return on Capital

13.57%

Return on Assets

1.48%

Earnings Yield

8.72%

Dividend Yield

1.43%

Payout Ratio

10.84%

Stock Overview

Market Cap

$676.10MMarket 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

32.16M

Volume

3.57K

Avg. Volume

214.90K

Financials (TTM)

Gross Profit

$185.01M

Operating Income

$83.37M

EBITDA

$88.67M

Operating Cash Flow

$58.84M

Capital Expenditure

-$477.00K

Free Cash Flow

$58.36M

Cash & ST Invst.

$355.01M

Total Debt

$53.41M

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
Q22025-06-30-1.3%
Q32025-09-302.1%
Q42025-12-31-1.1%
Q12026-03-31-5.5%
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
Q22025-06-30-17.3%
Q32025-09-3011.6%
Q42025-12-314.2%
Q12026-03-31-16.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$55.92M

-5.8%

Gross Profit

$44.60M

-8.2%

Gross Margin

79.76%

N/A

Market Cap

$676.10MMarket 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

$2.35M

N/A

Employees

288

N/A

Net Income

$13.79M

-18.2%

EBITDA

$20.26M

-19.5%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$355.01M

+298.5%

Total Debt

$53.41M

-38.9%

Accounts Receivable

$0.00

N/A

Inventory

$0.00

N/A

Long Term Debt

$53.41M

-38.9%

Short Term Debt

$0.00

N/A

Return on Assets

1.48%

N/A

Return on Invested Capital

12.72%

N/A

Free Cash Flow

$8.30M

+20.7%

Operating Cash Flow

$8.54M

+22.2%

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Questions About BCAL

What is the current price of California BanCorp?

California BanCorp is trading at $21.01 per share.

What is the 52-week range for California BanCorp?

Over the past 52 weeks, California BanCorp has traded between $14.56 and $21.71.

How much debt does California BanCorp have?

As of the most recent reporting period, California BanCorp reported total debt of $53.41M.

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 1.43%.

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