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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 Framework: Banks & Lenders Small Cap
California BanCorp. (BCAL), is a Small Cap company, in the Banks - Regional industry, last closed at $21.52, about 14.9% overvalued vs fair value, +42.2% 1Y return, ranked 561/1078 in sector.
Metrics P/E 9.7× Rev Growth 41.0% ROE 11.6% Gross Margin 102.6% Div Yield 0.54%
USD 21.52
3.31%
(Delayed)
• Vol 90d: 20.6%
52-Week Range
Market Cap
$658.74M
Enterprise Value
$655.75M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Weak
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

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

Next Events

Dividend Jul 15 Ex-div: Jun 23
Earnings Jul 28 Estimated

Fair Value Snapshot

Bear Base Bull
$10
$18
$34
Current: $21.52 -15% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$226.0M
25.7%%
Interest Expense
$56.9M
Net Interest Income
$169.1M
37.5%%
Total Revenue
$180.2M
41%%
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
10.9%
Good

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

$5.9M
9.4% 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
69
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
60
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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 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing BCAL's balance between Growth (35.3%), Profitability (25.3%), and Safety (39.4%). Growth 35% Safety 39% Profitability 25%

Click axes to expand details. Marker shows current allocation.

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Growth

66th percentile vs peers
66
Key Signals
NII Growth YoY 37.5% 94p EPS Growth YoY 7.75 99p Equity Growth YoY 12.7% 65p Asset Growth YoY 0.0% 17p
Strengths
  • NII Growth YoY in top 20% of peers (37.5%, 94th percentile)
  • EPS Growth YoY in top 20% of peers (7.75, 99th percentile)
  • Equity/Assets in top 20% of peers (14.3%, 81th percentile)
  • D/E Ratio in top 20% of peers (9.2%, 87th percentile)
  • Debt/Assets in top 20% of peers (1.3%, 84th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (0.0%)

Profitability

47th percentile vs peers
47
Key Signals
Strengths
Risks
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Safety

73th percentile vs peers
74
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for California BanCorp.

Loading valuation model...
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
$18.31
- - -
-14.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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