California BanCorp CA (BCAL) stock analysis
Close on Nov 11, 2026Market cap $706.99MP/E 12.3Yield –
StockData Score
Prices as of Nov 11, 2026How the score works
Mixed14 of 30 checks passed
California BanCorp CA passes 14 of the 30 checks behind our score; 6 could not be run for lack of data and count as not passed. Each dot in the shape is one check — hover it for the numbers.
- Valuation
- 1/6
- Growth
- 2/6
- Past performance
- 3/6
- Financial health
- 5/6
- Dividend
- 3/6
What stands out
Revenue growing 10%+ a year
Revenue grew 25.4% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 29.9% a year over the last three fiscal years.
Covered by free cash flow
Dividends take 25.2% of free cash flow.
Covered by earnings
Dividends take 22.1% of net income.
What to watch
Margin of safety under 20%
The price is 3.2% above fair value, so there is no margin of safety.
Trading above fair value
The share price of $21.99 is above our fair value estimate of $21.30.
Return on equity under 15%
Return on equity was 10.2% over the last twelve months and averaged 7.2% over five years; we look for 15% on both.
P/E above its 5-year median
California BanCorp CA's P/E of 12.3 is above its own 5-year median of 11.6.
Valuation1/6
P/E above its 5-year median
California BanCorp CA's P/E of 12.3 is above its own 5-year median of 11.6.
P/E above the industry
California BanCorp CA's P/E of 12.3 is above the Commercial Banks median of 12.1.
P/S above the industry
California BanCorp CA's price-to-sales of 3.90 is above the Commercial Banks median of 3.60.
P/B below the industry
California BanCorp CA's price-to-book of 1.22 is below the Commercial Banks median of 1.29.
Trading above fair value
The share price of $21.99 is above our fair value estimate of $21.30.
Margin of safety under 20%
The price is 3.2% above fair value, so there is no margin of safety.
Growth2/6
Revenue growing 10%+ a year
Revenue grew 25.4% a year over the last three fiscal years.
EPS growing 10%+ a year
Diluted EPS grew 29.9% a year over the last three fiscal years.
Earnings acceleration
Needs positive net income now, a year ago and five years ago.
Growing slower than the industry
Revenue grew 0.7% over the last twelve months; the Commercial Banks median is 11.3%.
Company guidance
No outlook found in earnings releases from the last twelve months.
Gross margin trend
Banks and insurers do not report gross profit.
Past performance3/6
Return on equity under 15%
Return on equity was 10.2% over the last twelve months and averaged 7.2% over five years; we look for 15% on both.
Return on assets over 1%
Return on assets was 1.4%; for a bank or insurer, 1% or more is considered good.
Return on equity below the industry
California BanCorp CA's return on equity of 10.2% is below the Commercial Banks median of 11.5%.
Earnings over 5 years
Needs positive net income five years ago and in the latest year.
Net margin above its 5-year average
Net margin was 32.3% over the last twelve months, against a 5-year average of 20.9%.
Net margin above the industry
California BanCorp CA's net margin of 32.3% is above the Commercial Banks median of 30.3%.
Financial health5/6
Well capitalized
Equity is 14.2% of total assets; 8% or more is a comfortable cushion.
Loans funded by deposits
Loans equal 89.6% of deposits, so lending is funded by customer deposits.
Adequate loan-loss reserve
The allowance for credit losses is 1.1% of loans; we look for at least 1%.
Efficient operations
Non-interest expense takes 56.4% of revenue; under 60% is efficient for a bank.
Deposits growing
Deposits grew 0.5% over the past year.
Borrowings
Needs debt and equity figures.
Dividend3/6
Pays a dividend
California BanCorp CA paid dividends worth 1.9% of the share price over the last twelve months.
Yield below Treasuries
The 1.9% yield is below the 4.4% on a 1-year Treasury.
Yield below the top quarter
The top quarter of US dividend payers yield 3.8% or more; California BanCorp CA yields 1.9%.
Dividend stability
Fewer than five years of dividend history.
Covered by earnings
Dividends take 22.1% of net income.
Covered by free cash flow
Dividends take 25.2% of free cash flow.
Fair value
How we estimate itOur estimate per share
$21.30
The share price is 3% above this estimate.
| Method | Multiple used | Own 5Y median | Industry median | Value per share | Weight |
|---|---|---|---|---|---|
| P/E | 11.9× | 11.6× | 12.1× | $21.30 | 50% |
| P/B | 1.2× | 1.0× | 1.3× | $21.30 | 50% |
| Fair value | $21.30 | 100% | |||
Valuation over time
Using the earnings and balance sheet published at each date, not today's.
- P/E at month end
- Own 5-year median 11.6
- Commercial Banks median 12.1
An estimate from reported numbers and market multiples, not a price target or investment advice. It can be far off for companies whose profits are about to change sharply.
Market risk
From the past year of daily prices.
Liquidity
Medium risk
- Average value traded per day
- $4.28M
- Value traded per 1% price move
- $5.22M
Downside
Low risk
- Typical loss in a bad month
- 7.9%
- Volatility (annualized)
- 19%
- Sharpe ratio, 1 year
- 0.60
- Beta to the S&P 500 (5Y)
- 0.42
Typical bad-month loss, week by week
Margins
Share of revenue, fiscal years 2021 to 2025
Net margin
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +41.0% | +25.4% | – | – | |
| Net income | +1060.6% | +57.6% | – | – | |
| EPS, diluted | +777.3% | +29.9% | – | – | |
| Free cash flow | +14.5% | +66.8% | – | – |
Returns and balance sheet
5 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2021 | FY2021 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | – | – | 11.6% | |
| Return on assets | – | – | 1.6% | |
| Capex to revenue | – | – | 0.2% | |
| Diluted shares | – | – | 33M |
Cash use needs five years of cash flow figures
California BanCorp CA does not report operating cash flow and capital expenditure for each of the last five fiscal years.
DuPont analysis
Return on equity split into margin, efficiency and leverage
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 35.0% | 0.04× | 7.41× | 11.6% |
| FY2024 | 4.3% | 0.04× | 7.99× | 1.4% |
| FY2023 | 26.6% | 0.04× | 8.47× | 9.4% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
- ProfitableNet income above zero$63.06M
- Cash generatingOperating cash flow above zero$57.29M
- Return on assets improvedROA up on the prior year0.2% → 1.6%
- Earnings backed by cashOperating cash flow above net income$57.29M vs $63.06M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise25M → 33M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.04
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