California Bancorp/$BCAL
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About California Bancorp
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
- Ticker
- $BCAL
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 288
- Headquarters
- San Diego, United States
BCAL Metrics
BasicAdvanced
$696M
12.04
$1.81
0.34
$0.42
2.20%
Price and volume
Market cap
$696M
Beta
0.34
52-week high
$22.59
52-week low
$16.87
Average daily volume
199K
Dividend rate
$0.42
Financial strength
Profitability
Net profit margin (TTM)
32.17%
Operating margin (TTM)
48.11%
Effective tax rate (TTM)
26.61%
Revenue per employee (TTM)
$630,000
Management effectiveness
Return on assets (TTM)
1.43%
Return on equity (TTM)
10.21%
Valuation
Price to earnings (TTM)
12.035
Price to revenue (TTM)
3.858
Price to book
1.2
Price to tangible book (TTM)
1.53
Dividend yield (TTM)
1.93%
Forward dividend yield
2.20%
Growth
Revenue change (TTM)
-3.09%
Earnings per share change (TTM)
-5.70%
3-year revenue growth (CAGR)
22.21%
3-year earnings per share growth (CAGR)
4.05%
What the Analysts think about BCAL
Analyst ratings (Buy, Hold, Sell) for California Bancorp stock.
Analyst projections of the future price of California Bancorp stock.
Bulls say / Bears say
Loans grew 1.7% and deposits 3.5% in the third quarter, showing the bank is still expanding its lending and funding base. Deposit growth also supports its capacity to pursue new business without relying on brokered deposits. (California Bank of Commerce)
Pre-tax, pre-provision income rose 5.3% from the previous quarter to $21.6 million, suggesting underlying operating earnings improved before credit costs. That provides some support for earnings even as loan-loss expenses increased. (California Bank of Commerce)
The bank opened a San Francisco loan production office in October and reported an encouraging pipeline of new business. That expansion gives it a route to build its Northern California commercial franchise beyond the growth already recorded. (California Bank of Commerce)
Third-quarter net income fell to $14.0 million from $14.3 million in the previous quarter and $15.7 million a year earlier. Diluted earnings per share also declined, pointing to weaker reported profitability. (California Bank of Commerce)
The credit-loss provision rose to $3.2 million from $714,000, while $4.6 million of C&I loans were charged off. New downgrades and charge-offs raise the risk that credit costs could remain a drag on earnings. (California Bank of Commerce)
Net interest margin narrowed by 10 basis points to 4.61%, as asset yields fell and funding costs edged up. The share of non-interest-bearing deposits also slipped, which could make it harder to protect margins if deposit competition persists. (California Bank of Commerce)
Data summarised monthly by Lightyear AI. Last updated on 3 Nov 2026.
BCAL Financial Performance
Revenues and expenses
BCAL Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing BCAL
Fund name | Fund size | $BCAL weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.02% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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