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← CockpitCompetitor Analysis › BCAL California BanCorpOpen in the cockpit ↗

California BanCorpBCALCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 68
Mkt cap
$696M
US dollars, full cap
Free float
88%
of shares outstanding
$/day
$4.54M
20-day average traded
P/B
1.20×
price to book
ROE
10.2%
delivered
Implied ROE
7.5%
what the price asks
Next earnings
89 days
3 Feb 2027
Close · USD$21.79
1D+0.8%
1W+1.4%
1M+1.0%
3M+1.9%
6M+13.2%
YTD+16.7%
1Y+15.2%
ATR %2.5%
Beta0.32
52w lowhigh3.5% off high

What California BanCorp does

Employees: 288

California BanCorp at a glance

Size California BanCorp (BCAL) is a United States Financials company (Regional Banks) with a market value of $696M, the 2485th largest of 3,117 United States companies the cockpit tracks. Shares closed at $21.79 on 6 Nov 2026.

Performance Over six months the shares gained 13.2%, against +13.5% for the median peer and -1.1% for the United States market (cap-weighted) — 10th lowest of 20 in its peer set.

Growth Revenue fell 4.5% over the last twelve months (peer median +12.0%); the operating margin is 45.3% (peer median 32.5%).

Valuation It trades at 1.20× book value against a peer median of 1.25× (10th cheapest of 21).

Price implies The share price implies a return on equity of about 7.5%; California BanCorp delivers 10.2%, so the price asks less than the business earns today.

Next results Next results expected around 3 Feb 2027 (exchange calendar; dates can move).

Relative performance

10011012011 May 202611 Aug 20266 Nov 2026BCAL 117Peer median 116
Six months, rebased to 100: California BanCorp against the median of its 20 peers (local-currency closes).

California BanCorp financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$230M$236M$179M$127M$98.0M
Revenue growth—+32%+41%+29%—
Net income$58.5M$63.1M$5.43M$25.9M$16.1M
Free cash flown/a$56.9M$49.7M$30.2M$19.4M
Capital expendituren/a$346,000$552,000$302,000$1.08M
Total debt$19.4M$52.8M$88.0M$115M$78.8M

Quarterly statements and history in the cockpit →

California BanCorp competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%-20%0%+20%DCBBANKCWBCBHBIFACNB8343EQUITASBNK8541MSBI834483992558CCBBCAL6-month return →1-month return →
Up and to the right = strong over both horizons. California BanCorp is the large dot.

Fundamentals: return on equity against price-to-book

6%8%10%12%14%0.50×10×1.50×DCBBANKCWBCBHBRRBIIFPFISACNB8343EQUITASBNK8541MSBIWASH83992558WCCBCCBHTBSHBIVBNKBCALReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. California BanCorp is the large dot.

Capital: ROE delivered against the ROE the price implies

5%7.5%10%12.5%15%5%10%15%DCBBANKCWBCBHBRRBIIFPFISACNB8343EQUITASBNK8541MSBI83992558WCCBCCBHTBSHBIVBNKBCALROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. California BanCorp is the large dot.

California BanCorp competitors and peer comparison

How California BanCorp compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

California BanCorp against its 20 peers (data as of 6 Nov 2026)
MeasureBCALPeer medianRank in peer set
1-month return+1.0%+0.2%10th highest of 21
6-month return+13.2%+13.5%10th lowest of 20
Return on equity10.2%11.0%9th lowest of 21
Price / book1.20×1.25×10th cheapest of 21
Trailing P/E12.1×12.0×10th most expensive of 20
ROE the price implies7.5%10.1%7th least demanding of 21
ROE delivered10.2%11.0%10th lowest of 21

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
California BanCorp BCALUnited States$696M+13%-4%10%1.20×7.5%10.2%
DCB Bank DCBBANK.NSIndia$688M+8%+10%13%0.94×16.4%13.0%
Community West Bancshares CWBCUnited States$705M+8%+23%7%1.17×10.1%6.7%
Bar Harbor Bankshares BHBUnited States$688M+17%+16%11%1.28×9.3%10.7%
Red River Bancshares RRBIUnited States$682M+14%+7%13%1.78×10.0%13.0%
Banca IFIS IF.MIItaly$673M-53%+68%13%0.30×5.2%13.0%
Peoples Financial Services PFISUnited States$723M+22%+4%12%1.37×10.7%11.7%
ACNB ACNBUnited States$667M+22%+15%13%1.58×13.1%13.4%
Akita Bank 8343.TJapan$731M+107%+29%5%0.61×5.3%5.0%
Equitas Small Finance Bank EQUITASBNK.NSIndia$662M-25%+15%11%0.95×15.4%11.4%
Ehime Bank 8541.TJapan$733M+66%+8%5%0.80×5.2%5.1%
Midland States Bancorp MSBIUnited States$660M+12%-21%10%1.57×11.0%10.2%
Yamagata Bank 8344.TJapan$736M+49%+25%5%0.75×5.3%5.1%
Washington Trust Bancorp WASHUnited States$737M+19%+30%12%1.39×10.6%12.0%
Bank Of The Ryukyus,Limited 8399.TJapan$655M-3%+19%7%0.68×5.3%6.5%
Jinshang Bank 2558.HKHong Kong$741M-31%-5%6%0.18×3.5%6.1%
West Coast Community Bancorp WCCBUnited States$653Mn/a+6%15%1.62×9.1%15.0%
Coastal Financial CCBUnited States$653M-41%+10%-1%1.37×10.8%-0.8%
HomeTrust Bancshares HTBUnited States$743M+2%-3%11%1.30×10.6%11.3%
Shore Bancshares SHBIUnited States$746M+14%+3%11%1.21×10.2%11.5%
VersaBank VBNK.TOCanada$752M+27%+14%6%1.86×13.6%6.2%

Questions

Which companies are California BanCorp's closest peers?
The cockpit's peer set: DCB Bank (DCBBANK.NS), Community West Bancshares (CWBC), Bar Harbor Bankshares (BHB), Red River Bancshares (RRBI), Banca IFIS (IF.MI), Peoples Financial Services (PFIS), ACNB (ACNB), Akita Bank (8343.T).
Is California BanCorp expensive compared with its peers?
On price / book it trades at 1.20× against a peer median of 1.25×, 10th cheapest of 21 in its peer set. The share price implies a return on equity of about 7.5%; California BanCorp delivers 10.2%, so the price asks less than the business earns today.
How has California BanCorp stock performed?
Over six months to 6 Nov 2026 the shares returned +13.2% against +13.5% for the median peer; over one year +15.2%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.