BCAL California BanCorp - Common Stock
NASDAQ · Banking · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Aug 7, 2026
$21.78
· of 52w range
· above low
· to high
$15.8552w low
$22.4152w high
Market Cap (MRQ)
$699M
P/E
11.3
EPS
$1.93
your badges
52W Range
$16–$22
Analyst Rating
BUY
Price Target
$25
P/E
11.3
ROE
11.2%
Net Profit Margin
35.0%
Your badge strip is empty — pin a metric anywhere on this page.
BCAL Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$21.78
Market Cap (MRQ)
$699M
P/E
11.3
EPS
$1.93
Div Yield
0.46%
ROE
11.2%
52W Range
$16–$22
BCAL Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
range
bars
Bar granularity adapts to the selected period — hover the chart to see open/high/low/close for a bar.
10-Year Performance Revenue, net income, margins and EPS trends
EPS$1.932022-12-31 → 2025-12-31
Free Cash Flow$57M2023-12-31 → 2025-12-31
Net margin35.0%2023-12-31 → 2025-12-31
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | BCAL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/E | 11.35Y avg ≈32.4 | ≈32.4 | 11.7 | Undervalued | |
| P/S | 3.95Y avg ≈3.6 | ≈3.6 | 3.4 | Overvalued | |
| P/B (MRQ) | 1.25Y avg ≈1.1 | ≈1.1 | 1.2 | Fair value | |
| Price / FCF (TTM) | 11.85Y avg ≈10.4 | ≈10.4 | · | · | |
| Price / Cash Flow (TTM) | 11.65Y avg ≈10.3 | ≈10.3 | 10.5 | Overvalued | |
| Price / Tangible Book (MRQ) | 1.25Y avg ≈1.3 | ≈1.3 | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
| Metric | 5Y trend | BCAL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Pretax Margin | 48.8%5Y avg ≈31.0% | ≈31.0% | 35.3% | Top tier | |
| Net Profit Margin | 35.0%5Y avg ≈21.9% | ≈21.9% | 28.9% | In line | |
| ROA | 1.6%5Y avg ≈0.95% | ≈0.95% | 1.1% | Top tier | |
| ROE | 11.2%5Y avg ≈7.1% | ≈7.1% | 10.5% | In line |
Financial Health Debt, liquidity, solvency — balance sheet strength
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
| Metric | 5Y trend | BCAL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Revenue YoY | 41.0%5Y avg ≈26.2% | ≈26.2% | · | · | |
| Revenue CAGR 3Y | 25.4% | · | · | · | |
| EPS YoY | 777.3%5Y avg ≈250.4% | ≈250.4% | · | · | |
| Net Income YoY | 1060.7%5Y avg ≈347.5% | ≈347.5% | · | · | |
| EPS CAGR 3Y | 29.9% | · | · | · | |
| Net Income CAGR 3Y | 57.6% | · | · | · |
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
| Metric | 5Y trend | BCAL | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Asset Turnover | 0.05Y avg ≈0.0 | ≈0.0 | 0.0 | Top tier |
value · ≈ 5Y avg · industry median · verdict relative to median
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield0.46%
Payout Ratio5.2%
Annualized Payout≈$0.48
| Ex-date | Amount | Currency | Yield |
|---|---|---|---|
| Sep 21, 2026 | $0.12 | USD | ≈2.0% |
| Jun 23, 2026 | $0.10 | USD | ≈1.5% |
| Mar 24, 2026 | $0.10 | USD | ≈1.1% |
| Dec 24, 2025 | $0.10 | USD | ≈0.53% |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
12.4%
Next Report
Oct 26, 2026
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Jul 27, 2026 | $0.44 | $0.41 | 7.1% |
| March 31, 2026 | $0.42 | $0.41 | 2.8% | |
| Dec. 31, 2025 | $0.50 | $0.44 | 13.3% | |
| Sept. 30, 2025 | $0.48 | $0.40 | 19.9% | |
| June 30, 2025 | $0.43 | $0.41 | 3.7% | |
| March 31, 2025 | $0.52 | $0.41 | 27.5% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Interest Expense | · | · | $29M | $6M | |
| Interest Income | $226M | $180M | $124M | $94M | |
| Pretax Income | $88M | $8M | $37M | $22M | |
| Income Tax | $25M | $3M | $11M | $6M | |
| Net Income | $63M | $5M | $26M | $16M | |
| EPS (Basic) | $1.95 | $0.22 | $1.42 | $0.90 | |
| EPS (Diluted) | $1.93 | $0.22 | $1.39 | $0.88 | |
| Shares (Basic) | 32,391,016 | 24,247,064 | 18,246,164 | 17,821,545 | |
| Shares (Diluted) | 32,746,110 | 24,623,397 | 18,656,742 | 18,228,287 |
Balance Sheet
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Cash & Equivalents | $400M | $388M | $87M | $87M | |
| PP&E (Net) | $12M | $14M | $13M | $14M | |
| PP&E (Gross) | $23M | $22M | $22M | $21M | |
| Accum. Depreciation | $10M | $9M | $9M | $7M | |
| Goodwill | $111M | $112M | $38M | $38M | |
| Intangibles | $18M | $22M | $1M | $2M | |
| Total Assets | $4.03B | $4.03B | $2.36B | $2.28B | |
| Total Liabilities | $3.46B | $3.52B | $2.07B | $2.02B | |
| Long-term Debt | $34M | $70M | $103M | $68M | |
| Common Stock | $442M | $442M | $222M | $218M | |
| Retained Earnings | $136M | $76M | $71M | $49M | |
| AOCI | $-2M | $-7M | $-4M | $-6M | |
| Stockholders' Equity | $577M | $512M | $288M | $260M | |
| Liabilities + Equity | $4.03B | $4.03B | $2.36B | $2.28B | |
| Shares Outstanding | 32,418,182 | 32,265,935 | 18,369,115 | 17,940,283 |
Cash Flow
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Stock-based Comp | $6M | $6M | $5M | $4M | |
| Deferred Tax | $11M | $-426.0K | $418.0K | $-3M | |
| Amort. of Intangibles | $4M | $2M | $389.0K | $438.0K | |
| Operating Cash Flow | $57M | $50M | $33M | $13M | |
| CapEx | $346.0K | $552.0K | $302.0K | $1M | |
| Investing Cash Flow | $30M | $525M | $-79M | $-513M | |
| Stock Repurchased | $3M | $0 | $889.0K | $574.0K | |
| Net Stock Activity | $-3M | $-2M | $-889.0K | · | |
| Dividends Paid | $3M | $0 | · | · | |
| Financing Cash Flow | $-75M | $-274M | $46M | $6M | |
| Net Change in Cash | $12M | $301M | $33.0K | $-493M | |
| Taxes Paid | $10M | $3M | $12M | $8M | |
| Free Cash Flow | $57M | $50M | $33M | · | |
| Levered FCF | · | · | $12M | · |
Profitability
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Net Margin | 35.0% | 4.2% | 26.6% | · | |
| Pretax Margin | 48.8% | 6.5% | 37.8% | · | |
| ROA | 1.6% | 0.17% | 1.1% | · | |
| ROE | 11.2% | 1.1% | 9.1% | · |
Efficiency
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | · |
Per Share
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Book Value / Share | $17.79 | $15.86 | $15.69 | · | |
| Revenue / Share | $5.50 | $5.19 | $5.23 | · | |
| Cash Flow / Share | $1.75 | $2.04 | $1.77 | · | |
| Cash / Share | $12.34 | $12.03 | $4.72 | · | |
| EPS (TTM) | $1.93 | $0.22 | $1.39 | · |
Growth Rates
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue YoY | 41.0% | 31.0% | 6.6% | · | |
| Revenue CAGR 3Y | 25.4% | · | · | · | |
| EPS YoY | 777.3% | -84.2% | 58.0% | · | |
| EPS CAGR 3Y | 29.9% | · | · | · | |
| Net Income YoY | 1060.7% | -79.0% | 60.8% | · | |
| Net Income CAGR 3Y | 57.6% | · | · | · |
Valuation (TTM)
| Metric | Trend | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue TTM | $180M | $128M | $98M | · | |
| Net Income TTM | $63M | $5M | $26M | · | |
| Market Cap | $605M | $534M | $319M | · | |
| P/E | 9.7 | 75.2 | 12.5 | · | |
| P/S | 3.4 | 4.2 | 3.3 | · | |
| P/B | 1.0 | 1.0 | 1.1 | · | |
| P / Tangible Book | 1.4 | 1.4 | 1.3 | · | |
| P / Cash Flow | 10.6 | 10.6 | 9.6 | · | |
| P / FCF | 10.6 | 10.7 | 9.7 | · | |
| Dividend Yield | 0.54% | 0.00% | · | · | |
| Earnings Yield | 10.3% | 1.3% | 8.0% | · | |
| Payout Ratio | 5.2% | · | · | · | |
| Annual Payout | $3M | $0 | · | · |
Income Statement
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | · | $11M | · | $8M | $7M | $4M | $3M | $2M | |
| Interest Income | $55M | $54M | $56M | $57M | $56M | $57M | $63M | $54M | $32M | $31M | $33M | $31M | $30M | $29M | $28M | $25M | |
| Pretax Income | $20M | $19M | $22M | $22M | $20M | $24M | $23M | $-23M | $278.0K | $7M | $6M | $9M | $10M | $11M | $12M | $9M | |
| Income Tax | $6M | $5M | $6M | $6M | $6M | $7M | $6M | $-6M | $88.0K | $2M | $2M | $3M | $3M | $3M | $3M | $3M | |
| Net Income | $14M | $14M | $16M | $16M | $14M | $17M | $17M | $-16M | $190.0K | $5M | $4M | $7M | $7M | $8M | $8M | $7M | |
| EPS (Basic) | $0.44 | $0.43 | $0.52 | $0.48 | $0.43 | $0.52 | $0.53 | $-0.59 | $0.01 | $0.27 | $0.23 | $0.36 | $0.37 | $0.46 | $0.47 | $0.39 | |
| EPS (Diluted) | $0.44 | $0.42 | $0.50 | $0.48 | $0.43 | $0.52 | $0.54 | $-0.59 | $0.01 | $0.26 | $0.24 | $0.35 | $0.36 | $0.44 | $0.46 | $0.38 | |
| Shares (Basic) | 32,155,912 | 32,357,724 | · | 32,451,576 | 32,423,935 | 32,318,809 | · | 27,705,844 | 18,537,507 | 18,426,848 | · | 18,304,023 | 18,287,595 | 18,055,287 | · | 17,857,579 | |
| Shares (Diluted) | 32,395,945 | 32,675,943 | · | 32,811,827 | 32,685,132 | 32,698,227 | · | 27,705,844 | 18,799,513 | 18,801,716 | · | 18,672,132 | 18,596,228 | 18,620,791 | · | 18,277,789 |
Balance Sheet
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $265M | $411M | $400M | $559M | $430M | $439M | $388M | $614M | $105M | $87M | $87M | $95M | $105M | $102M | $87M | · | |
| PP&E (Net) | $12M | $12M | $12M | $12M | $13M | $13M | $14M | $14M | $13M | $13M | $13M | $14M | $14M | $14M | $14M | · | |
| PP&E (Gross) | · | · | $23M | · | · | · | $22M | · | · | · | $22M | · | · | · | $21M | · | |
| Accum. Depreciation | · | · | $10M | · | · | · | $9M | · | · | · | $9M | · | · | · | $7M | · | |
| Goodwill | $111M | $111M | $111M | $111M | $111M | $112M | $112M | $113M | $38M | $38M | $38M | $38M | $38M | $38M | $38M | · | |
| Intangibles | $17M | $18M | $18M | $19M | $20M | $21M | $22M | $23M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | · | |
| Total Assets | $4.03B | $4.05B | $4.03B | $4.10B | $3.95B | $3.98B | $4.03B | $4.36B | $2.29B | $2.29B | $2.36B | $2.31B | $2.31B | $2.29B | $2.28B | · | |
| Total Liabilities | $3.44B | $3.47B | $3.46B | $3.54B | $3.41B | $3.45B | $3.52B | $3.86B | $2.00B | $2.00B | $2.07B | $2.04B | $2.04B | $2.02B | $2.02B | · | |
| Long-term Debt | $35M | $34M | $34M | $33M | $53M | $70M | $70M | $69M | $43M | $45M | $103M | $26M | $33M | $18M | $68M | · | |
| Common Stock | $435M | $435M | $442M | $444M | $444M | $443M | $442M | $442M | $224M | $223M | $222M | $222M | $221M | $220M | $218M | · | |
| Retained Earnings | $157M | $146M | $136M | $123M | $107M | $93M | $76M | $59M | $76M | $76M | $71M | $66M | $60M | $53M | $49M | · | |
| AOCI | $-5M | $-4M | $-2M | $-2M | $-4M | $-4M | $-7M | $-3M | $-6M | $-6M | $-4M | $-9M | $-7M | $-5M | $-6M | · | |
| Stockholders' Equity | $587M | $578M | $577M | $565M | $548M | $531M | $512M | $498M | $293M | $292M | $288M | $279M | $274M | $268M | $260M | · | |
| Liabilities + Equity | $4.03B | $4.05B | $4.03B | $4.10B | $3.95B | $3.98B | $4.03B | $4.36B | $2.29B | $2.29B | $2.36B | $2.31B | $2.31B | $2.29B | $2.28B | · | |
| Shares Outstanding | 32,110,117 | 32,152,298 | 32,418,182 | 32,443,056 | 32,463,311 | 32,402,140 | 32,265,935 | 32,142,427 | 18,547,352 | 18,527,178 | 18,369,115 | 18,309,282 | 18,296,365 | 18,271,194 | 17,940,283 | · |
Cash Flow
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $1M | $1M | $1M | $2M | $1M | $2M | $3M | $996.0K | $895.0K | $755.0K | $992.0K | $1M | $2M | $950.0K | $949.0K | |
| Deferred Tax | $764.0K | $4M | $3M | $819.0K | $2M | $6M | $5M | $-6M | $-731.0K | $2M | $-603.0K | $251.0K | $-524.0K | $1M | $517.0K | $424.0K | |
| Amort. of Intangibles | $800.0K | $800.0K | $947.0K | $948.0K | $948.0K | $948.0K | $1M | $687.0K | $65.0K | $65.0K | $80.0K | $128.0K | $90.0K | $91.0K | $140.0K | $100.0K | |
| Operating Cash Flow | $15M | $9M | $21M | $16M | $13M | $7M | $24M | $18M | $309.0K | $8M | $-8M | $11M | $12M | $18M | $9M | $-382.0K | |
| CapEx | $516.0K | $236.0K | $99.0K | $108.0K | $34.0K | $105.0K | $142.0K | $183.0K | $138.0K | $89.0K | $63.0K | $-44.0K | $204.0K | $79.0K | $236.0K | $54.0K | |
| Investing Cash Flow | $-121M | $-8M | $-85M | $-13M | $26M | $101M | $93M | $355M | $15M | $63M | $-36M | $-17M | $-20M | $-7M | $-41M | $-74M | |
| Stock Repurchased | $2M | $7M | $431.0K | $2M | $155.0K | $0 | $-968.0K | $341.0K | $118.0K | $509.0K | $385.0K | $62.0K | $68.0K | $374.0K | $497.0K | $35.0K | |
| Net Stock Activity | · | $-7M | · | · | · | $-1M | · | · | · | $-509.0K | · | · | · | $-374.0K | · | · | |
| Dividends Paid | $3M | $3M | · | · | $0 | $0 | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $-40M | $11M | $-95M | $126M | $-48M | $-57M | $-343M | $137M | $3M | $-71M | $36M | $-4M | $10M | $4M | $-39M | $-10M | |
| Net Change in Cash | $-146M | $11M | $-159M | $129M | $-9M | $51M | $-226M | $510M | $18M | $-251.0K | $-8M | $-10M | $2M | $15M | $-70M | $-84M | |
| Taxes Paid | $8M | $0 | $-1M | $2M | $9M | $0 | $-2M | $260.0K | $5M | $0 | $12M | $0 | $0 | $0 | $1M | $2M | |
| Free Cash Flow | · | $8M | · | · | · | $7M | · | · | · | $8M | · | · | · | $18M | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $640.0K | · | · | · | $15M | · | · |
Profitability
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.9% | 31.2% | · | 34.7% | 31.9% | 37.6% | · | -43.2% | 0.86% | 22.5% | · | 27.2% | 27.4% | 31.1% | · | · | |
| Pretax Margin | 44.2% | 43.2% | · | 48.3% | 45.3% | 52.8% | · | -59.1% | 1.2% | 33.1% | · | 39.0% | 40.5% | 42.5% | · | · | |
| ROA | 0.36% | 0.34% | · | 0.37% | 0.45% | 0.54% | · | -0.49% | 0.01% | 0.22% | · | 0.57% | 0.58% | 0.72% | · | · | |
| ROE | 2.5% | 2.5% | · | 2.9% | 3.4% | 4.1% | · | -4.2% | 0.07% | 1.8% | · | 4.7% | 4.9% | 6.2% | · | · |
Efficiency
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · |
Per Share
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Book Value / Share | $18.27 | $17.97 | · | $17.41 | $16.87 | $16.40 | · | $15.50 | $15.81 | $15.79 | · | $15.21 | $14.96 | $14.64 | · | · | |
| Revenue / Share | $1.39 | $1.35 | · | $1.38 | $1.35 | $1.37 | · | $1.38 | $1.18 | $1.17 | · | $1.29 | $1.32 | $1.42 | · | · | |
| Cash Flow / Share | · | $0.26 | · | · | · | $0.21 | · | · | · | $0.43 | · | · | · | $0.98 | · | · | |
| Cash / Share | $8.25 | $12.79 | · | $17.24 | $13.25 | $13.56 | · | $19.12 | $5.65 | $4.67 | · | $5.20 | $5.72 | $5.59 | · | · | |
| Dividend / Share | $0.10 | $0.10 | · | · | · | · | · | · | · | · | · | · | · | · | · | · | |
| EPS (TTM) | $1.84 | $1.83 | · | $1.97 | $0.90 | $0.48 | · | $-0.08 | $0.86 | $1.21 | · | $1.61 | $1.64 | $1.24 | · | · |
Valuation (TTM)
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $180M | $180M | · | $180M | $173M | $151M | · | $105M | $91M | $93M | · | $101M | $101M | $99M | · | · | |
| Net Income TTM | $60M | $60M | · | $63M | $31M | $17M | · | $-7M | $16M | $23M | · | $30M | $30M | $23M | · | · | |
| Market Cap | $669M | $570M | · | $541M | $512M | $464M | · | $475M | $250M | $276M | · | $257M | $251M | $264M | · | · | |
| P/E | 11.3 | 9.7 | · | 8.5 | 17.5 | 29.9 | · | -184.9 | 15.7 | 12.3 | · | 8.7 | 8.4 | 11.7 | · | · | |
| P/S | 3.7 | 3.2 | · | 3.0 | 3.0 | 3.1 | · | 4.5 | 2.8 | 3.0 | · | 2.6 | 2.5 | 2.7 | · | · | |
| P/B | 1.1 | 1.0 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 0.9 | 0.9 | 1.0 | · | · | |
| P / Tangible Book | 1.5 | 1.3 | · | 1.2 | 1.2 | 1.2 | · | 1.3 | 1.0 | 1.1 | · | 1.1 | 1.1 | 1.2 | · | · | |
| P / Cash Flow | · | 66.8 | · | · | · | 66.5 | · | · | · | 34.3 | · | · | · | 14.4 | · | · | |
| Earnings Yield | 8.8% | 10.3% | · | 11.8% | 5.7% | 3.4% | · | -0.54% | 6.4% | 8.1% | · | 11.5% | 11.9% | 8.6% | · | · | |
| Payout Ratio | · | 23.6% | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Net Income | $63M | $5M | $26M | $16M |
| Diluted EPS | $1.93 | $0.22 | $1.39 | $0.88 |
No data for this statement
Not enough fundamentals data to build this statement yet.
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $57M | $50M | $33M | · |
Institutional owners (13F) 150 filers · $529.3M total · As of Sept. 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Holders
150
Value held
$529.3M
New positions
13
Exited positions
17
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 13 (-12 vs prior Q) | 17 (+2 vs prior Q) | 65 (+4 vs prior Q) | 38 (+4 vs prior Q) | +924K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $51,001,273 | 2,447,278 | 9.64% | Shares |
| FJ Capital Management LLC | $42,816,489 | 2,054,534 | 8.09% | Shares |
| BlackRock, Inc. | $40,129,483 | 1,925,599 | 7.58% | Shares |
| Castle Creek Capital Partners VI, LP | $39,043,193 | 2,340,719 | 7.38% | Shares |
| ALLIANCEBERNSTEIN L.P. | $34,591,761 | 1,952,131 | 6.54% | Shares |
| ENDEAVOUR CAPITAL ADVISORS INC | $34,503,517 | 1,655,639 | 6.52% | Shares |
| VANGUARD GROUP INC | $24,548,269 | 1,314,851 | 4.64% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $23,012,778 | 1,104,260 | 4.35% | Shares |
| STATE STREET CORP | $17,798,509 | 850,362 | 3.36% | Shares |
| BANC FUNDS CO LLC | $17,008,670 | 816,155 | 3.21% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $16,500,987 | 791,794 | 3.12% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $13,172,087 | 631,917 | 2.49% | Shares |
| DIMENSIONAL FUND ADVISORS LP | $13,130,428 | 630,055 | 2.48% | Shares |
| AMERICAN CENTURY COMPANIES INC | $12,336,384 | 591,957 | 2.33% | Shares |
| KENNEDY CAPITAL MANAGEMENT LLC | $9,201,735 | 441,542 | 1.74% | Shares |
| ALGEBRIS (UK) LTD | $8,359,815 | 402,410 | 1.58% | Shares |
| MORGAN STANLEY | $6,312,983 | 302,926 | 1.19% | Shares |
| Elizabeth Park Capital Advisors, Ltd. | $5,827,489 | 279,630 | 1.10% | Shares |
| MENDON CAPITAL ADVISORS CORP | $5,692,238 | 273,140 | 1.08% | Shares |
| PRUDENTIAL FINANCIAL INC | $5,306,927 | 254,651 | 1.00% | Shares |
| Stieven Capital Advisors, L.P. | $5,269,248 | 252,843 | 1.00% | Shares |
| Curi Capital, LLC | $4,689,000 | 225,000 | 0.89% | Shares |
| ALGERT GLOBAL LLC | $4,658,344 | 223,529 | 0.88% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $4,632,815 | 222,304 | 0.88% | Shares |
| NORTHERN TRUST CORP | $4,616,081 | 221,501 | 0.87% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $4,448,444 | 213,457 | 0.84% | Shares |
| Petiole USA ltd | $3,955,515 | 189,804 | 0.75% | Shares |
| TWO SIGMA INVESTMENTS, LP | $3,883,451 | 186,346 | 0.73% | Shares |
| Qube Research & Technologies Ltd | $3,537,736 | 169,757 | 0.67% | Shares |
| Siena Capital Partners GP, LLC | $3,258,584 | 156,362 | 0.62% | Shares |
| JPMORGAN CHASE & CO | $3,174,682 | 152,117 | 0.60% | Shares |
| Empowered Funds, LLC | $3,141,776 | 150,757 | 0.59% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $3,133,940 | 150,381 | 0.59% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $2,380,762 | 114,240 | 0.45% | Shares |
| CITADEL ADVISORS LLC | $2,345,500 | 112,548 | 0.44% | Shares |
| GOLDMAN SACHS GROUP INC | $2,171,528 | 104,200 | 0.41% | Shares |
| HENNESSY ADVISORS INC | $2,021,480 | 97,000 | 0.38% | Shares |
| Cerity Partners LLC | $1,867,393 | 89,606 | 0.35% | Shares |
| FIRST TRUST ADVISORS LP | $1,771,316 | 84,996 | 0.33% | Shares |
| Bank of New York Mellon Corp | $1,734,367 | 83,223 | 0.33% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $1,521,487 | 73,008 | 0.29% | Shares |
| BANK OF AMERICA CORP /DE/ | $1,467,928 | 70,438 | 0.28% | Shares |
| Creative Planning | $1,413,035 | 67,804 | 0.27% | Shares |
| Man Group plc | $1,368,667 | 65,675 | 0.26% | Shares |
| MAI Capital Management | $1,327,092 | 63,680 | 0.25% | Shares |
| D. E. Shaw & Co., Inc. | $1,261,674 | 60,541 | 0.24% | Shares |
| Squarepoint Ops LLC | $1,160,350 | 55,679 | 0.22% | Shares |
| PFG Advisors | $1,134,738 | 54,450 | 0.21% | Shares |
| Robertson Stephens Wealth Management, LLC | $1,121,944 | 53,579 | 0.21% | Shares |
| Bedell Frazier Investment Counselling, LLC | $1,095,362 | 61,815 | 0.21% | Shares |
Company insiders 25 insiders · 11 officers · 15 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| David I Rainer | Chairman and CEO | Aug. 2, 2026 F | 141,410 | 0 | 1 | $-1,425,000 |
| Steven E. Shelton | Chief Executive Officer | Aug. 2, 2025 F | 128,261 | 0 | 0 | $0 |
| Thomas G. Dolan | EVP / Bancorp CFO/ CSO | Aug. 11, 2026 J | 264,525 | 0 | 0 | $0 |
| Jean Carandang | Bank Chief Financial Officer | Aug. 2, 2026 F | 35,285 | 0 | 1 | $-143,200 |
| Richard Hernandez | President | Aug. 2, 2026 F | 71,528 | 0 | 1 | $-325,040 |
| Michelle Wirfel | EVP, Chief Operating Officer | Sept. 21, 2026 F | 86,290 | 0 | 0 | $0 |
| SA THOMAS A | Chief Operating Officer | Aug. 2, 2024 A | 67,490 | 0 | 0 | $0 |
| Martin Liska | EVP / Chief Risk Officer | Aug. 11, 2026 J | 35,842 | 0 | 0 | $0 |
| Peter Nutz | EVP/ Chief Credit Officer | Aug. 2, 2026 F | 41,037 | 0 | 0 | $0 |
| Joann Yeung | EVP / Chief Accounting Officer | Aug. 2, 2026 F | 33,424 | 0 | 0 | $0 |
| Manisha Merchant | EVP / Chief Legal Officer | Aug. 2, 2026 F | 36,113 | 0 | 0 | $0 |
| Frank L. Muller | Director | Sept. 4, 2026 P | 2,377 | 1 | 0 | $9,958 |
| Kevin J. Cullen | Director | Aug. 20, 2026 A | 17,704 | 0 | 0 | $0 |
| Andrew J. Armanino | Director | Aug. 20, 2026 A | 17,704 | 0 | 0 | $0 |
| Stephen A. Cortese | Director | Aug. 20, 2026 A | 354,848 | 0 | 0 | $0 |
| Lester Machado | Director | July 31, 2026 M | 53,712 | 0 | 1 | $-158,925 |
| Frank Di Tomaso | Director | June 1, 2026 A | 250,580 | 0 | 0 | $0 |
| Rochelle G. Klein | Director | June 1, 2026 A | 35,539 | 0 | 0 | $0 |
| David J. Volk | Director | June 1, 2026 A | 31,391 | 1 | 1 | $-43,955,391 |
| Anne A Williams | Director | June 1, 2026 A | 11,828 | 0 | 0 | $0 |
| Ricardo Martin | Director | May 21, 2025 A | 23,976 | 0 | 0 | $0 |
| Irwin Golds | Director | Feb. 1, 2024 J | 3,691 | 0 | 0 | $0 |
| Kaveh Varjavand | Director | Feb. 1, 2024 A | 7,821 | 0 | 0 | $0 |
| Anita Wolman | Director | Feb. 1, 2024 A | 6,906 | 0 | 0 | $0 |
| John Farkash | 10% owner | Feb. 27, 2024 M | 628,919 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 27 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| ROSC · Lattice Strategies Trust | 0.21% | 6,126 NS | July 31, 2026 | N-PORT |
| IWC · iShares Trust | 0.14% | 90,545 SH | Sept. 11, 2026 | Daily |
| DPST · Direxion Shares ETF Trust | 0.08% | 15,884 NS | July 31, 2026 | N-PORT |
| VFMF · VANGUARD WELLINGTON FUND | 0.06% | 20,271 SH | Aug. 19, 2026 | Daily |
| EBIT · Harbor ETF Trust | 0.05% | 284 NS | July 31, 2026 | N-PORT |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.03% | 22,802 SH | Aug. 19, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.03% | 3,092 SH | Oct. 2, 2026 | Daily |
| DFSV · Dimensional ETF Trust | 0.02% | 95,880 NS | July 31, 2026 | N-PORT |
| VFVA · VANGUARD WELLINGTON FUND | 0.02% | 9,790 SH | Aug. 19, 2026 | Daily |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.02% | 150,468 SH | Aug. 19, 2026 | Daily |
| IWM · iShares Trust | 0.02% | 672,846 SH | Sept. 11, 2026 | Daily |
| RSSL · Global X Funds | 0.02% | 12,526 NS | July 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.02% | 18,712 SH | Oct. 2, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 99,133 NS | July 31, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.01% | 253,244 SH | Aug. 19, 2026 | Daily |
| DFAT · Dimensional ETF Trust | 0.01% | 40,603 NS | July 31, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 1,093 NS | July 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 1,993 NS | July 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 2,727 NS | July 31, 2026 | N-PORT |
| DFAU · Dimensional ETF Trust | 0.00% | 7,066 NS | July 31, 2026 | N-PORT |
| IWV · iShares Trust | 0.00% | 9,207 SH | Sept. 3, 2026 | Daily |
| DFUS · Dimensional ETF Trust | 0.00% | 4,590 NS | July 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 12,112 NS | July 31, 2026 | N-PORT |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 824,566 SH | Aug. 19, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 2,501 SH | Aug. 19, 2026 | Daily |
| IWN · iShares Trust | · | 251,522 SH | Sept. 11, 2026 | Daily |
| SVAL · iShares Trust | · | 32,545 SH | Sept. 3, 2026 | Daily |
BCAL Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
rating · 10 analysts
BUY
Median target
$25.00
+14.8%
3 30.0%
Strong Buy
6 60.0%
Buy
1 10.0%
Hold
0 0.0%
Sell
0 0.0%
Strong Sell
12-Month Price Target
4 analysts · 2026-10-04Mean target $24.75 +13.6%
← Below all targets
Current price $21.78
Low$24.00
Mean$24.75
High$25.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| BCAL | $605M | 9.7 | 41.0% | 35.0% | 11.2% | · |
| SHBI | $591M | 9.9 | -0.27% | 285.4% | 10.3% | · |
| RCBC | · | · | · | · | · | · |
| CWBC | $431M | 11.2 | 25.6% | 26.0% | 9.7% | · |
| TCBX | $528M | 10.0 | 21.9% | 31.7% | 12.9% | · |
| WASH | $562M | 10.9 | 127.6% | 22.8% | 9.8% | · |
| AROW | · | 11.8 | 17.6% | · | · | · |
| PFIS | $487M | 8.3 | 39.7% | 31.5% | 11.7% | · |
| MSBI | · | · | · | · | · | · |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | · |
| RRBI | $470M | 11.2 | 14.4% | 34.1% | 12.2% | · |
Latest News Recent headlines mentioning this company
My Metrics Your personal watchlist — selected rows from Full Fundamentals
Pick the metrics that matter to you — click the + next to any row in Full Fundamentals above.
Your selection is saved and follows you across all tickers.
Source: SEC 10-Q filed Aug 7, 2026