Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BCAL
BUYCalifornia BanCorp · Financial Services · United States · $676M · Avg Vol: $6M/d
COMPANY DESCRIPTION
California BanCorp is the holding company for California Bank of Commerce, a business-focused commercial bank operating in the San Francisco Bay Area and Sacramento regions. The bank caters exclusively to middle-market businesses, professionals, and non-profit organizations, offering highly customized commercial lending and treasury management solutions. Its competitive moat is defined by its high-touch, advisory-led relationship model and its strategic location in high-growth, economically vibrant Northern California markets.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 92.2M | 97.5M | 127.8M | 180.2M | 25.0% | 185.0M | 183.0M | 197.0M | 4.6% |
| EPS | 0.90 | 1.42 | 0.22 | 1.95 | 29.4% | 1.82 | 1.69 | 1.89 | -1.7% |
| Shares | 17.9M | 18.4M | 32.3M | 32.4M | +80.7% | 32.2M | — | — | — |
| Debt | 78.8M | 115.0M | 88.0M | 52.8M | -12.5% | 53.4M | — | — | — |
| Equity | 260.4M | 288.2M | 511.8M | 576.6M | 30.3% | — | — | — | — |
| Op CF | 13.4M | 33.1M | 50.3M | 57.3M | 62.5% | 58.8M | — | — | — |
| Inv CF | -512.7M | -78.9M | 524.7M | 29.8M | — | — | — | — | — |
| Fin CF | 6.1M | 45.9M | -273.6M | -75.3M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BCAL are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BCAL | California BanCorp(you) | $676M | 69 | BUY |
| BHB | Bar Harbor Bankshares | $654M | 68 | BUY |
| CWBC | Community West Bancshares | $678M | 65 | HOLD |
| TCBX | Third Coast Bancshares, Inc. | $709M | 73 | BUY |
| SPFI | South Plains Financial, Inc. | $841M | 68 | BUY |
| KRNY | Kearny Financial Corp. | $592M | 72 | BUY |
| SMBC | Southern Missouri Bancorp, Inc. | $855M | 67 | BUY |
| GSBC | Great Southern Bancorp, Inc. | $863M | 67 | BUY |
| IBCP | Independent Bank Corporation | $776M | 73 | BUY |
| UNTY | Unity Bancorp, Inc. | $583M | 72 | BUY |
Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%