$17.76
▼ $-0.08
(-0.45%)
Vol 145K
8
Quality Score
fail
Rev ✗
NI ✗
>IPO ✗
Mkt Cap
$603.5M
P/E
9.5
ROE
11.8%
Margin
27.4%
D/E
618.55
Beta
0.28
Div Yield
2.14%
52W
$12–$20
Wall Street Consensus
9 analysts · Apr 20263
Strong Buy
5
Buy
1
Hold
0
Sell
0
Strong Sell
88.9%
Buy Rating
Price Chart
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Earnings
Beat rate: 100.0%| Quarter | EPS Est | EPS Act | Surprise |
|---|---|---|---|
| Dec 2025 | $0.44 | $0.50 | +$0.06 |
| Sep 2025 | $0.40 | $0.48 | +$0.08 |
| Jun 2025 | $0.41 | $0.43 | +$0.02 |
| Mar 2025 | $0.41 | $0.52 | +$0.11 |
Quarterly Revenue & Earnings
| Quarter | 2024-0… | 2024-1… | 2025-0… | 2025-0… | 2025-0… | 2025-1… |
|---|---|---|---|---|---|---|
| Revenue | — | $45.5M | $44.8M | $44.3M | $45.2M | $45.9M |
| Net Income | — | $16.8M | $16.9M | $14.1M | $15.7M | $16.4M |
Fundamentals Trend
| Metric | 2025-06-30 | 2025-09-02 | 2025-10-02 | 2025-11-03 | 2025-12-03 | 2026-01-02 |
|---|---|---|---|---|---|---|
| ROE (TTM) | 6.0% | 6.0% | 6.0% | 6.0% | 11.8% | 11.8% |
| P/E (TTM) | 16.34 | 16.95 | 17.21 | 19.23 | 9.90 | 9.52 |
| Net Margin | 25.3% | 13.7% | 13.7% | 13.7% | 27.4% | 27.4% |
| Gross Margin | — | — | — | — | — | — |
| D/E Ratio | 614.54 | 614.54 | 614.54 | 614.54 | 618.55 | 618.55 |
| Current Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 |
Key Ratios
ROA (TTM)
1.6%
P/S (TTM)
2.60
P/B
1.0
EPS (TTM)
$1.92
Rev Growth 3Y
+37.6%
52W High
$20.47
52W Low
$11.87
$11.87
52-Week Range
$20.47
Financial Health
Free Cash Flow
$20.8M
Net Debt
$755K
Cash
$52.0M
Total Debt
$52.8M
As of Dec 31, 2025
How does BCAL compare to Banking peers?
Peer group: Micro-cap Banking (All) · 289 companies
BCAL valuation vs Banking peers
P/E ratio
9.5
▼
24%
below
peers
(12.6)
vs Peers
vs Industry
Undervalued
P/S ratio
2.6
▲
12%
above
peers
(2.3)
vs Peers
vs Industry
Fair value
P/B ratio
1.0
▼
1%
below
peers
(1.1)
vs Peers
vs Industry
Fair value
Div yield
2.1%
▼
28%
below
peers
(3.0%)
vs Peers
vs Industry
Low yield
BCAL profitability vs Banking peers
ROE
11.8%
▲
31%
above
peers
(9.0%)
vs Peers
vs Industry
Top tier
Net margin
27.4%
▼
4%
below
peers
(28.6%)
vs Peers
vs Industry
Weak
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.6%
▲
66%
above
peers
(1.0%)
vs Peers
vs Industry
Top tier
BCAL financial health vs Banking peers
D/E ratio
618.6
▲
4369%
above
peers
(13.8)
vs Peers
vs Industry
High debt
Current ratio
0.0
▼
25%
below
peers
(0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.3
▼
59%
below
peers
(0.7)
vs Peers
vs Industry
More volatile
BCAL fundamentals radar
BCAL
Peer median
Industry
BCAL profitability vs leverage
Bubble size = market cap · X = net margin · Y = D/E ratio
BCAL vs peers: key metrics
Insider Activity
NeutralBuys
0
Sells
0
DOLAN THOMAS G
Chief Financial Officer · Mar 16
4100 shs
CARANDANG JEAN M
Officer · Mar 06
8000 shs
RAINER DAVID I.
Officer and Director · Mar 02
94170 shs
DOLAN THOMAS G
Chief Financial Officer · Mar 02
35560 shs
CARANDANG JEAN M
Officer · Mar 02
6812 shs
WIRFEL MICHELLE
Chief Operating Officer · Mar 02
13461 shs
HERNANDEZ RICHARD
President · Mar 02
15055 shs
LISKA MARTIN
Officer · Mar 02
5450 shs
YEUNG JOANN
Officer · Mar 02
5995 shs
MERCHANT MANISHA
Officer · Mar 02
12916 shs
Last 90 days
Top Holders
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9.66%
$30.9M
Blackrock Inc.
7.85%
$25.1M
Vanguard Group Inc
7.19%
$23.0M
As of Dec 31, 2025
Dividends
$0.20
/ year
Mar 24, 2026
$0.1000
Dec 24, 2025
$0.1000