BCAL · California BanCorp \ CA

Track BCAL — free

$21.36 +0.16 (+0.75%) At close · Aug 21

Market Cap

$681.59M

32.15M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 7, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Buy Momentum Very Strong Sentiment Bearish Fundamentals Excellent Quant / Vol Very Low

Market backdrop VIX 15.1 · calm Equity put/call 0.58

Technical

price trend

Buy

50 / 200-day cross No cross

Price vs 200-day avg +11%

above

Price vs 50-day avg +2%

above

RSI (14) 52

neutral

MACD trend Negative

52-week position 92%

near high

Momentum

relative strength

Very Strong

1-month return +2%

trailing

6-month return +16%

trailing

YTD return +14%

this year

Relative strength +5%

vs S&P · 6-mo

Sentiment

smart money

Bearish

Trend (MA cross) No cross

50d $21 › 200d $19 — 50d above 200d

Institutional flow Distributing

-7% holders QoQ · +14 funds added

Insider flow Distributing

Net -$158.9K over 90 days · 100% sells

Short interest Rising

2.83% of float · ▲ +1.0% MoM · 3.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

144 holders — mid 3-yr range

Squeeze score 62

elevated · 0–100

Fundamentals

Excellent

EPS growth +777%

Y/Y

Free cash flow $56.9M

Valuation P/E 11.5

below peers

Balance sheet $366.1M

net cash

Quant / Vol

risk profile

Very Low

Volatility 21%

annualized · 1-yr

Max drawdown −14%

past year

ATR 2.2%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Buy

1 · 2 · 3

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+11% Bullish

Price vs 50-day avg

+2% Bullish

RSI (14)

52 Neutral

MACD trend

Negative Bearish

52-week position

92% Bullish

Market signals — smart money & positioning

Bearish · 3 of 6

Trend (MA cross) No cross

50d $21 › 200d $19 — 50d above 200d

Institutional flow Distributing

-7% holders QoQ · +14 funds added

Insider flow Distributing

Net -$158.9K over 90 days · 100% sells

Short interest Rising

2.83% of float · ▲ +1.0% MoM · 3.4 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

144 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $16 Now $21 · 92% Range high $22

vs 200-day avg +11% vs 50-day avg +2%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
Allowance for credit losses (“ACL”)	1.18%	Q2 2026	—
Allowance for loan losses (“ALL”)	1.13%	Q2 2026	—
Allowance for loan losses to total loans held for investment	1.13%	As of June 30, 2026	—
Average tangible common equity (non-GAAP) non-GAAP	453.35M	Six Months Ended June 30, 2026	—
Cost of deposits	1.31%	second quarter of 2026	—
Cost of funds	1.38%	second quarter of 2026	—
Efficiency ratio non-GAAP	54.22%	second quarter of 2026	—
Net interest margin	4.71%	Three Months Ended June 30, 2026	—

Noninterest-bearing deposits	37.4%	Q2 2026	—
Nonperforming loans	8.9M	Q2 2026	—
Pre-tax pre-provision income non-GAAP	39.27M	Six Months Ended June 30, 2026	—

Return on average assets	1.43%	second quarter of 2026	—
Return on average common equity	9.84%	second quarter of 2026	—
Return on average tangible common equity (non-GAAP) non-GAAP	12.5%	Six Months Ended June 30, 2026	—
Tangible assets (non-GAAP) non-GAAP	3.9B	June 30, 2026	—
Tangible BV per common share non-GAAP	$14.29	As of June 30, 2026	—
Tangible common equity (non-GAAP) non-GAAP	458.83M	June 30, 2026	—
Tangible equity to tangible assets non-GAAP	11.77%	As of June 30, 2026	—
Total loans, including loans held for sale	3.11B	Q2 2026	—
Average total loan yield	6.14%	first quarter of 2026	—
Adjusted efficiency ratio non-GAAP	56.08%	Full Year 2025	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
BCAL California BanCorp \ CA this stock	$681.59M	+14.4%	—	11.5	2.8%
MFG Mizuho Financial Group Inc	$124.83B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.52B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

144

% held: 70.9%
Net QoQ: +955.8K sh
Top holder: WELLINGTON MANAGEMENT GRO…

Held Float

View

Held by Funds

Fund positions

165

View

Short & Settlement

Short Interest Rising

Shares short

909.6K

Days to cover: 3.4d
Change: +9.3K sh

View

Short Volume

Short vol %

66%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

192

Value: $4.1K
As of: Jul 31, 2026

View

Off-Exchange

Off-exchange %

34.3%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$158.9K

Buyers / Sellers: 0 / 1

Buyers Sellers

View

Financials

Net income (FY)

$63.1M

EPS diluted: $1.93

View

Buybacks

Authorized

shares 1.6M

Remaining: shares 875.6K

Spent Remaining

View

Filings

SEC Filings

Latest

10-Q

Filed: Aug 7, 2026
This year: 12

View

Proposed Sales

Value

$158.9K

Shares: 7.5K
Filed: Aug 12, 2026

View

Exempt Offerings

Offering

$42.0M

Filed: Jan 4, 2021

View

Earnings & Events

Earnings Calls

Last call

Feb 4, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
BCAL	-1.5%	+1.6%	+16.4%	+0.3%	+14.4%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-0.1%	-2.0%	+4.8%	-2.2%	+2.1%

Capital returns

Latest dividend

$0.10 / share · ex Jun 23, 2026

Declared · upcoming

$0.12 / share · ex Sep 21, 2026

Paid (TTM)

$0.30 / share · 3 payouts

Dividend yield (TTM, derived)

1.40%

Buyback program · as of Jun 30, 2026

Authorized

shares 1.60M

Spent (derived)

shares 724,437

Remaining

shares 875,563

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 1795815 CUSIP 84252A106 13F (30d) 137 filings 132 filers Visit website Investor relations

BCAL · California BanCorp \ CA

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns