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Company Analysis

California BanCorp BCAL

A comprehensive view of key metrics, scores, and financial health for California BanCorp

Overview of California BanCorp.

BCAL NCM
Financial Services Banks - Regional Small Cap
California BanCorp. (BCAL), is a Small Cap company, in the Banks - Regional industry, last closed at $17.52, about 1.8% undervalued vs fair value, +16.5% 1Y return, placing in the top 25% of its sector.
$17.52
-0.11%
As of March 13, 2026
Previous close • Vol 90d: 18.9%
52-Week Range
Market Cap
$567.97M
Enterprise Value
$587.66M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.californiabankofco...
HQ San Diego, CA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$10
$18
$33
Current: $17.52 +2% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$179.8M
45.6%%
Interest Expense
$56.9M
Net Interest Income
$123.0M
30.6%%
Total Revenue
$233.0M
82.4%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
1.1%
Poor

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$13.5M
247.7% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
2
Active Leaks
1/2
Improving
0
High Impact
1
Critical
Locked Leak
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Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating California BanCorp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
55
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
44
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BCAL's balance between Growth (52.2%), Profitability (38.5%), and Safety (9.3%). Growth 52% Safety 9% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

61th percentile vs peers
62
Key Signals
Rev Growth YoY 82.4% 72p Revenue CAGR 3Y 36.2% 89p Asset Growth YoY 0.0% 19p
Strengths
  • Revenue Cagr 3Y in top 20% of peers (36.2%, 89th percentile)
  • Operating Margin in top 20% of peers (37.8%, 89th percentile)
  • Net Profit Margin in top 20% of peers (27.1%, 84th percentile)
  • Growth above peer median with strong metric coverage (72%)
Risks
  • Asset Growth Yoy in bottom 20% of peers (0.0%)

Profitability

45th percentile vs peers
45
Key Signals
Strengths
Risks
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Safety

10th percentile vs peers
11
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for California BanCorp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$17.83
- - -
+1.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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