BCAL
California BanCorp \ CA
Next earnings Jul 27, 2026 · consensus $0.41 EPS, $46.0M rev
Last earnings +0.4% on 2026-04-28
$20.83
▲ +0.97%$20.83▲ +44.94%
over 1Y
L $14.37EODHDH $20.83
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.0%
1W+5.7%
1M+9.4%
3M+18.9%
YTD+12.9%
1Y+44.9%
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 9 analysts
Buy
Mixed signals in the latest filings.
The read
It screens cheap (~252% below fair value), but the weak fundamentals are why — more potential value trap than bargain.
California BanCorp \ CA shows limited reported revenue, and 10.9% ROE.
Financials · annual, by fiscal year
| Line item | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Gross profit | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $16.1M | $25.9M | $5.43M | $63.1M |
| Diluted EPS | $0.88 | $1.39 | $0.22 | $1.93 |
| Net margin | — | — | — | — |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.8
PEG (trailing)0.01
Earnings yield9.4%
FCF yield8.5%
Quality & risk
ROIC (est.)—
Free cash flow$56.9M
Total debt$33.8M
Net cash$366M
Piotroski F-Score5/6
Capital returns
Buyback yield0.5%
Dividend yield (est.)0.5%
Shareholder yield1.0%
Shares Δ YoY-0.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗4Period ending 2026-06-212026-06-22open ↗4Period ending 2026-06-082026-06-08open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗4Period ending 2026-06-012026-06-03open ↗S-8Filing2026-05-28open ↗
Frequently asked
- Is California BanCorp \ CA (BCAL) a buy?
- BCAL currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
- What is BCAL's fair value?
- A Modified-Graham model based on BCAL's SEC fundamentals estimates a fair value of about $73.34. It is an estimate from reported earnings, not a price target.
- Is BCAL overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, BCAL currently appears undervalued relative to its SEC-grounded earnings power.
- What is California BanCorp \ CA's quality score?
- BCAL scores 80.76470588235294/100 (grade A-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0001795815, latest 10-Q filed 2026-05-08) · EODHD · as of 6/26/2026, 7:32:58 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.