Stocks · Financial Services · Banks - Regional
California BanCorp BCAL
$21.78 +1.07% Close, Oct 2, 2026 · NASDAQ · Market cap $700.5M
Strong trend
Next earnings report: Oct 27, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $1.84, up 111.5% year over year.
- Operating margin widened to 35.9% from 18.8% a year earlier.
- The stock is in an uptrend: above its 200-day average for 129 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 22%
- EPS growth (TTM, YoY)Top 10%
- FCF growth (TTM, YoY)Bottom 30%
- Revenue growth, 3-year CAGRTop 13%
- Revenue growth accelerationBottom 14%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 11%
- Gross marginTop 17%
- Operating marginTop 19%
- Cash conversion (OCF / net income)Bottom 38%
- Accruals (lower is better)Bottom 35%
- Net debt / EBITDA (lower is better)Top 28%
- Interest coverTop 35%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 31%
- Free-cash-flow yieldTop 46%
- EBITDA / enterprise valueTop 17%
- Sales / enterprise valueTop 45%
- P/E vs own 5-year history (lower is better)Top 42%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 16%
- 1-year return vs S&P 500Top 19%
- Distance from 52-week highTop 13%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 22%
- Consecutive EPS beatsTop 29%
- Share of analysts rating BuyTop 2%
- Upside to consensus price targetBottom 43%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 31%
- Maximum drawdown, 3 yearsBottom 41%
- Beta vs S&P 500 (lower is better)Bottom 22%
- Net debt / EBITDA (lower is better)Top 28%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.6% | -2.3% | ↓ |
| EPS growth (YoY) | 306.7% | 111.5% | ↓ |
| Gross margin | 66.7% | 79.6% | ↑ |
| Operating margin | 18.8% | 35.9% | ↑ |
| FCF margin | 26.1% | 25.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -2.3% | 10.6% | ↓ | Bottom 22% |
| EPS growth (TTM, YoY) | 111.5% | 306.7% | ↓ | Top 10% |
| Gross margin | 79.6% | 66.7% | ↑ | Top 17% |
| Operating margin | 35.9% | 18.8% | ↑ | Top 19% |
| Net margin | 26.0% | 13.2% | ↑ | — |
| Free-cash-flow margin | 25.6% | 26.1% | ↓ | — |
| Return on invested capital | -2.1% | — | Bottom 11% | |
| Revenue growth, 3-year CAGR | 34.2% | — | Top 13% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.0%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 2.4%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.03×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.6×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.39%
- Net buyback yield (TTM)
- 2.20%
- Shareholder yield
- 3.59%
- Share count change, 1 year
- -0.5%
- Share count change, 3-year CAGR
- +20.4%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 7, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 4
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +12.1%
- Average 2-day reaction, last 8
- +1.1%
- Positive 20 days after report
- 8 of 8
Analysts
- Consensus price target
- $24.67
- Target vs current price
- +13.3%
- Analysts with a rating
- 3
- Share rating Buy or Strong Buy
- 100%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 27, 2026 | +9.1% | +0.9% | +1.3% | +1.6% | — |
| Apr 28, 2026 | +2.4% | +0.4% | -1.1% | +1.9% | +10.1% |
| Jan 28, 2026 | +13.6% | -0.3% | +1.8% | +2.4% | +0.4% |
| Oct 28, 2025 | +23.1% | +2.8% | +7.6% | +11.0% | +6.9% |
| Jul 29, 2025 | +0.0% | -4.8% | -6.7% | +3.2% | +4.7% |
| Apr 24, 2025 | +36.8% | +3.2% | +7.0% | +12.9% | +25.3% |
| Jan 29, 2025 | +20.5% | +5.4% | +3.3% | +3.2% | -12.6% |
| Oct 29, 2024 | +560.0% | +0.8% | +1.9% | +25.8% | +8.2% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 27, 2026 | $0.44 | $0.40 | +9.1% | $44.9M |
| Apr 28, 2026 | $0.42 | $0.41 | +2.4% | $44.2M |
| Jan 28, 2026 | $0.50 | $0.44 | +13.6% | $45.9M |
| Oct 28, 2025 | $0.48 | $0.39 | +23.1% | $45.2M |
| Jul 29, 2025 | $0.43 | $0.43 | +0.0% | $44.3M |
| Apr 24, 2025 | $0.52 | $0.38 | +36.8% | $44.8M |
| Jan 29, 2025 | $0.53 | $0.44 | +20.5% | $45.5M |
| Oct 29, 2024 | $0.33 | $0.05 | +560.0% | $38.1M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.8× | 16.9× | 45th | Top 31% |
| P/E (forward) | 12.5× | — | — | — |
| EV / EBITDA | 7.9× | — | — | Top 17% |
| EV / Sales | 3.02× | — | — | Top 45% |
| Free-cash-flow yield | 8.46% | — | — | Top 46% |
| Earnings yield | 8.45% | — | — | Top 31% |
P/E over the past five years
Range 8.7× – 74.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +31.7%
- Earnings per share growth (TTM)
- +111.5%
- Change in P/E multiple
- -34.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 2
- Days above the 200-day average
- 129
- 50-day average slope (20 days)
- +1.5%
- 200-day average slope (20 days)
- +1.2%
- Distance from 50-day average
- +1.2%
- Distance from 200-day average
- +11.2%
- RSI (14)
- 55.4
- Relative volume
- 0.94×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 17.2%
- Volatility vs own 5-year history
- 29th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.97
- Correlation with S&P 500
- 0.52
- Current drawdown from 1-year high
- -1.4%
- Maximum drawdown, 3 years
- -32.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 25, 2024 | Apr 11, 2025 | -32.3% | 93 days | 138 days (Oct 29, 2025) |
| Dec 29, 2023 | Jun 25, 2024 | -25.9% | 121 days | 98 days (Nov 12, 2024) |
| Mar 2, 2023 | May 4, 2023 | -23.5% | 44 days | 158 days (Dec 19, 2023) |
| Dec 8, 2025 | Mar 20, 2026 | -14.0% | 70 days | 64 days (Jun 23, 2026) |
| Dec 1, 2020 | Dec 2, 2020 | -12.4% | 1 days | 30 days (Jan 15, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $700.5M
- P/E (TTM)
- 11.8
- EPS, diluted (TTM)
- $1.84
- Revenue (TTM)
- $231.3M
- Dividend yield
- 1.93%
- 52-week range
- $15.85 – $22.41
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $71.6M | $98.0M | $126.9M | $184.6M | $237.1M |
| Gross profit | $67.0M | $86.3M | $96.6M | $106.1M | $189.0M |
| Operating income | $14.2M | $22.0M | $36.9M | $8.3M | $88.0M |
| Net income | $10.7M | $16.1M | $25.9M | $5.4M | $63.1M |
| EPS (diluted) | $0.72 | $0.88 | $1.39 | $0.22 | $1.93 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $55.3M | $63.6M | $59.4M | $58.6M | $59.9M | $59.2M | $55.9M | $56.4M |
| Net income | -$16.5M | $16.8M | $16.9M | $14.1M | $15.7M | $16.4M | $13.8M | $14.3M |
| EPS (diluted) | -$0.59 | $0.51 | $0.52 | $0.43 | $0.48 | $0.50 | $0.42 | $0.44 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $19.7M | $13.4M | $33.1M | $50.3M | $57.3M |
| Capital expenditure | -$1.8M | -$1.1M | -$302,000 | -$552,000 | -$346,000 |
| Free cash flow | $17.9M | $12.3M | $32.8M | $49.7M | $56.9M |
| Dividends paid | $0 | $0 | $0 | $0 | -$3.3M |
| Net share buybacks | -$3.7M | -$574,000 | -$889,000 | -$2.0M | -$5.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $364.0M
- Total assets
- $4.03B
- Total liabilities
- $3.44B
- Total debt
- $53.0M
- Net debt
- -$2.2M
- Shareholders’ equity
- $586.6M
As of Jun 30, 2026 (filed Aug 7, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 21, 2026 | $0.12 | Oct 15, 2026 |
| Jun 23, 2026 | $0.10 | Jul 15, 2026 |
| Mar 24, 2026 | $0.10 | Apr 15, 2026 |
| Dec 24, 2025 | $0.10 | Jan 15, 2026 |
Short interest
- Shares sold short
- 905,840
- Days to cover
- 4.37
- Change vs previous report
- -10.5%
FINRA short interest, settlement date Sep 15, 2026.