Stocktoria
California BanCorp \ CA BCAL
California BanCorp \ CA (BCAL) earns a Piotroski F-score of 4/9 (mixed financial health). It pays a dividend yielding 0.49% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 4/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| BCAL | California BanCorp \ CA | 4/9 | — | 10.6 | — |
| MFG | MIZUHO FINANCIAL GROUP INC | 4/9 | — | — | +7.6% |
| JPM | JPMORGAN CHASE & CO | 2/9 | — | 15.5 | +2.8% |
| BAC | BANK OF AMERICA CORP /DE/ | 5/9 | — | 13.5 | +6.8% |
| C | CITIGROUP INC | 3/9 | — | 17 | +5.6% |
| COF | CAPITAL ONE FINANCIAL CORP | 4/9 | — | 51.2 | +36.6% |
| USB | US BANCORP DE | 6/9 | — | 12.1 | +4.4% |
All Finance, Insurance & Real Estate companies →
About California BanCorp \ CA
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.
FAQ
Is BCAL financially healthy?
California BanCorp \ CA's Piotroski F-score is 4/9 (8–9 is excellent, 0–3 weak).
Does BCAL pay a dividend, and is it safe?
Yes. California BanCorp \ CA pays a dividend yielding about 0.49% with a 5.2% payout ratio, rated “safe” for safety.
How profitable is BCAL?
In FY2025, California BanCorp \ CA had a return on equity of 10.9%.
Is BCAL overvalued or undervalued?
California BanCorp \ CA trades at about 11.3× trailing earnings — below its 10-year norm (10-year range 9.3×–75.5×, median 19.3×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for BCAL?
The average Wall-Street price target for California BanCorp \ CA is $22.17, about 1.7% above the recent price, from 3 analysts (consensus: strong buy).
Is BCAL a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on California BanCorp \ CA: a Piotroski F-score of 4/9, a P/E of about 10.6×, a dividend yield of 0.49%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.