BCAL logo

CALIFORNIA BANCORP

BCALNASDAQ
πŸ† #2744 by market capUS Equity
$21.40β–Ό $0.18 (βˆ’0.86%)
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24hβ–Ό 0.9%
7dβ–Ό 0.4%
14dβ–Ό 1.1%
30dβ–² 0.6%
ytdβ–² 14.5%
1yβ–² 28.4%
🏦Market Cap
$687M
Small Cap
πŸ“ˆRevenue Growth (YoY)
-2.9%
Declining
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
26.7%
Strong
βš–οΈP/S Ratio
3.1x
Fair
Otter Score
60
Fair

Trading Snapshot

Day Range
$21.10 – $21.65
52-Week Range
$15.85 – $22.41
Volume
$3.20B
Avg Volume
$3.59B
Shares Outstanding
32.1M
Next Earnings
Dec 8, 2026

Fundamentals Snapshot

Annual Revenue
$237M
Last Q Revenue
$56M
P/E Ratio
11.4
P/S Ratio
3.1x
EPS (TTM)
$1.84
Dividend Yield
β€”
Dilution (1yr)
+0.3%

Why Investors Own BCAL

  • βœ“High-growth profile β€” revenue up +47.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 28% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BCAL logo

CALIFORNIA BANCORP

BCAL
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$237Mβ–² +28.4% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
79.7%β–² +38.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$88Mβ–² +964.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$57Mβ–² +14.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
32.8Mβ–² +0.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$20Mβ–² +$8M YoY
StockOtter Β· stockotter.space

About CALIFORNIA BANCORP

California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
60/100

Analyst Price Target

β“˜
Average Target
$27.19
β–² +27.1% Upside
High Target$31.00
Low Target$21.16
Based on 12 analysts

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