California BanCorp (BCAL)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 48 | 68 | 92 | 98 | 128 | 180 | 180 | - |
| Operating profit | $m | 88 | 83 | ||||||
| Net profit | $m | 5 | 11 | 16 | 26 | 5 | 63 | 60 | 57 |
| EPS reported | $ | 1.93 | 1.84 | ||||||
| Operating cashflow per share | $ | 1.75 | 1.85 | ||||||
| Capex per share | $ | 0.01 | 0.03 | ||||||
| FCF per share | $ | 1.74 | 1.82 | ||||||
| Free cash flow | $m | 57 | 59 | ||||||
| Net debt | $m | -234 | -311 | ||||||
| Book value equity | $m | 577 | 587 | ||||||
| Book value per share | $ | 17.61 | 18.03 | ||||||
| Number of shares | m | 32.75 | 32.54 | ||||||
| DPS (TTM paid) | $ | 0.30 | 0.42 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.67 | 11.76 | ||||||
| P/B LTM | x | 1.06 | 1.04 | ||||||
| P/S LTM | x | 3.39 | 3.39 | ||||||
| P/FCF LTM | x | 10.74 | 10.31 | ||||||
| EV/EBITDA LTM | x | 6.74 | 7.16 | ||||||
| EV/Sales LTM | x | 2.66 | 3.04 | ||||||
| Earnings Yield LTM | % | +10.34% | +8.50% | ||||||
| FCF Yield | % | +9.31% | +9.70% | ||||||
| Quality | |||||||||
| ROE | % | +10.94% | +10.44% | ||||||
| ROIC | % | -8.81% | -2.13% | ||||||
| Operating margin | % | +37.10% | +35.94% | ||||||
| Gross margin | % | +79.73% | +79.62% | ||||||
| FCF/Sales | % | +24.02% | +25.62% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +777.27% | +736.36% | ||||||
| Sales Growth YoY | % | +41.03% | +40.96% | ||||||
| Net Income Growth YoY | % | +1060.6% | +1008.0% | ||||||
| FCF Growth | % | +14.48% | +19.18% | ||||||
| Operating Profit Growth | % | +964.47% | +906.18% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.53% | +1.37% | ||||||
| Dividend Growth | % | - | - | ||||||
| Payout Ratio | % | +5.15% | +16.20% | ||||||
| FCF/Debt | x | 0.79 | 1.12 | ||||||
| Net Debt/EBITDA | x | 0.21 | -0.03 | ||||||
| EBIT/Net interest | x | 1.55 | 1.62 | ||||||
| Net debt/market cap | % | +8.63% | +4.91% | ||||||
| Net debt/Equity | x | -0.41 | -0.53 | ||||||
| Gross debt/equity | x | 0.12 | 0.09 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
California BanCorp (BCAL)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
Unlock all fundamental data
Sign up for FreeUnlock all fundamental data
Sign up for Free