BCAL · California BanCorp \ CA
$21.34
-0.03 (-0.14%)
At close · Aug 7
Market Cap
$687.36M
Shares
32.16M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$21.37
Open$21.57
Day$21.30–21.62
52W$14.77–22.00
Avg vol 30d247K
Short int900K · 2.8% float · 5.0d
Short vol64%
Last earningsFeb 4, 2026
DataJan 2020–Aug 2026
Filing10-Q · May 8
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 8, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bearish
Fundamentals
Excellent
Quant / Vol
Very Low
Market backdrop
VIX 15.2 · calm
Equity put/call 0.60
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+12%
above
Price vs 50-day avg
+5%
above
RSI (14)
57
neutral
MACD trend
Negative
52-week position
91%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+4%
trailing
6-month return
+14%
trailing
YTD return
+16%
this year
Relative strength
+1%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $20 › 200d $19 — 50d above 200d
Institutional flow
Distributing
44 of 154 funds reported for Jun 30 · net -42.4K sh shares · +4 new
Insider flow
Distributing
Net -$158.9K over 90 days · 100% sells
Short interest
Rising
2.80% of float · ▲ +13.7% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
154 holders — near 3-yr high, broad support
Squeeze score
68
elevated · 0–100
Fundamentals
EPS growth
+777%
Y/Y
Free cash flow
$56.9M
Valuation
P/E 11.7
below peers
Balance sheet
$366.1M
net cash
Quant / Vol
risk profile
Volatility
21%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.5%
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
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+12%
Bullish
Price vs 50-day avg
+5%
Bullish
RSI (14)
57
Neutral
MACD trend
Negative
Bearish
52-week position
91%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bearish · 3 of 6
Trend (MA cross)
No cross
50d $20 › 200d $19 — 50d above 200d
Institutional flow
Distributing
44 of 154 funds reported for Jun 30 · net -42.4K sh shares · +4 new
Insider flow
Distributing
Net -$158.9K over 90 days · 100% sells
Short interest
Rising
2.80% of float · ▲ +13.7% MoM · 5.0 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
154 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $15
Now $21 · 91%
52-wk high $22
vs 200-day avg +12%
vs 50-day avg +5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for loan losses to nonperforming loans | 390.7% | As of June 30, 2026 | — |
| Allowance for loan losses to total loans held for investment | 1.13% | As of June 30, 2026 | — |
| Average price per share repurchased | $19.46 | Q2 FY2026 | — |
| Efficiency ratio (non-GAAP) non-GAAP | 54.22% | Q2 FY2026 | — |
| Net interest margin | 4.71% | Q2 FY2026 | — |
|
|
|||
| Pre-tax, pre-provision income (non-GAAP) non-GAAP | $20.6M | the second quarter | — |
|
|
|||
| Tangible equity to tangible assets (non-GAAP) non-GAAP | 11.77% | As of June 30, 2026 | — |
| Yield on interest earning assets | 5.97% | Q2 FY2026 | — |
| Yield on total loans | 6.34% | Q2 FY2026 | — |
| Average total loan yield | 6.14% | first quarter of 2026 | — |
| Adjusted efficiency ratio non-GAAP | 56.08% | Full Year 2025 | — |
| Efficiency ratio non-GAAP | 56.08% | Full Year 2025 | — |
| Tangible BV per common share non-GAAP | $13.39 | As of September 30, 2025 | — |
| Tangible equity to tangible assets non-GAAP | 10.94% | As of December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BCAL
this stock
California BanCorp \ CA
|
$687.36M | +15.7% | — | 11.7 | 2.8% |
|
MFG
Mizuho Financial Group Inc
|
$130.23B | +46.0% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$122.06B | -34.9% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$109.32B | +3.1% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$100.84B | +23.9% | +7.2% | 13.9 | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BCAL | +1.0% | +4.4% | +14.2% | +0.3% | +15.7% |
| SPY | +3.6% | +2.2% | +12.8% | +2.9% | +12.7% |
| vs SPY | -2.6% | +2.1% | +1.4% | -2.6% | +3.0% |
Capital returns
Latest dividend
$0.10
/ share · ex Jun 23, 2026
Paid (TTM)
$0.30
/ share · 3 payouts
Dividend yield (TTM, derived)
1.40%
Buyback program
· as of Mar 31, 2026
Authorized
shares 1.60M
Spent (derived)
shares 621,843
Remaining
shares 978,157
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)
40 filings
38 filers
Visit website
Investor relations