California BanCorp (BCAL)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 21.30 $ — 96% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 34.2% passed
- More than 10% revenue growth is expected for the coming year 6.9% failed
- Share count grows by less than 3% a year 21.6% failed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 52.5% passed
- Gross margin at 40% or higher and without meaningful erosion 79.7% passed
- Goodwill from acquisitions does not grow faster than revenue 2.8% failed
- Net debt below twice EBITDA 215 m net cash passed
- Operating cash flow covers the profits of the last three years 46 m passed
- Return on capital at 15% or higher, or up versus two years ago 3.1% failed
- Insiders hold at least 10% or are net buyers 15.5% passed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Analysts & Price Target
The price target sits 12.7% above the current price.
- Consensus
- Sell
- Analyst Ratings
- 3
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 1.73 | 1.71 – 1.75 | 182 | -10.4% | 2 |
| 12/31/2027 | 1.85 | 1.80 – 1.89 | 194 | 7.1% | 3 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
Click the chart or tab into it, then use ← and → to step through the periods.
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.52 | 120.60 | 46 | 40.30 | 36.80 | 24 | 24 |
| 2025: Q1 | 0.52 | 96.40 | 59 | 81.80 | 28.40 | 7 | 7 |
| 2025: Q2 | 0.43 | 4,168.20 | 59 | 77.50 | 24.00 | 13 | 13 |
| 2025: Q3 | 0.48 | – | 60 | 8.20 | 26.20 | 16 | 16 |
| 2025: Q4 | 0.50 | -3.60 | 59 | 29.90 | 27.80 | 21 | 21 |
| 2026: Q1 | 0.42 | -18.10 | 56 | -5.80 | 24.70 | 9 | 8 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 18 | 5 | 3 | 0.69 | 4 | 45 | 425 |
| 2017 | 22 | 18 | 4 | 0.74 | 4 | 50 | 480 |
| 2018 | 31 | 1 | 5 | 0.71 | 7 | 101 | 769 |
| 2019 | 40 | 10 | 7 | 0.78 | 8 | 121 | 833 |
| 2020 | 54 | 7 | 5 | 0.49 | 12 | 169 | 1,579 |
| 2021 | 72 | 14 | 11 | 0.72 | 20 | 247 | 2,266 |
| 2022 | 98 | 22 | 16 | 0.88 | 13 | 260 | 2,284 |
| 2023 | 127 | 37 | 26 | 1.39 | 33 | 288 | 2,360 |
| 2024 | 185 | 8 | 5 | 0.22 | 50 | 512 | 4,032 |
| 2025 | 237 | 88 | 63 | 1.93 | 57 | 577 | 4,033 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
California BanCorp ist die Bankholding der California Bank of Commerce, N. A.
| Employees | 288 |
|---|---|
| Headquarters | San Diego, CA |
| Address | 12265 El Camino Real, 92130 San Diego, United States |
| Phone | 844 265 7622 |
| Website | californiabankofcommerce.com |
| IPO Date | 22. Dec 2015 |
| ISIN | US84252A1060 |
Management
| Name | Title | Birth Year |
|---|---|---|
| David I. Rainer | Executive Chairman & CEO | 1957 |
| Richard Hernandez | President | 1975 |
| Thomas G. Dolan | Executive VP & CFO | 1960 |
| Steven E. Shelton | Advisor | 1961 |
| Michele M. Wirfel | Executive VP & COO | 1968 |
| Joann Yeung | Executive VP & Principal Accounting Officer | 1975 |
| Jeffery T. Hurtik | Executive VP & Chief Information Officer | – |
| Manisha K. Merchant | Executive VP, Chief Legal Officer & Corporate Secretary | 1976 |
| Christopher D. Maggio | Senior VP & Credit Team Manager | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.