BCAL California BanCorp - Common Stock
$18.83
가격 · 5월 20, 2026
기준 재무 정보 5월 8, 2026
52주 범위
$14–$20
74% of range
애널리스트 평점
BUY
9 analysts
목표 주가
$22
+15% upside
P/E (TTM)
9.7
ROE
11.2%
순이익률
35.0%
BCAL 주식 스냅샷 가격, 시가총액, P/E, EPS, ROE, 부채/자본, 52주 범위
가격
$18.83
시가총액
$605M
P/E (TTM)
9.7
EPS (TTM)
$1.93
매출 (TTM)
—
배당 수익률
0.54%
ROE
11.2%
부채/자본
—
52주 범위
$14 – $20
BCAL 주가 차트 기술 지표가 포함된 일일 OHLCV — 팬, 확대/축소 및 보기 사용자 정의
Configure
10년 성과 매출, 순이익, 마진 및 EPS 추세
매출 및 순이익
—
EPS
$1.93
2022-12-31
→
2025-12-31
잉여현금흐름
$57M
2023-12-31
→
2025-12-31
마진
35.0%
가치 평가 P/E, P/S, P/B, EV/EBITDA 비율 — 주식이 비싼가요, 싼가요?
지표
5년 추세
BCAL
동종업계 중앙값
P/E (TTM)
9.7
11.9
P/S (TTM)
3.4
2.6
P/B
1.0
1.0
Price / FCF (주가 / FCF)
10.6
—
수익성 총, 영업 및 순이익률; ROE, ROA, ROIC
지표
5년 추세
BCAL
동종업계 중앙값
Net Profit Margin (순이익률)
35.0%
25.1%
ROA
1.6%
0.96%
ROE
11.2%
9.6%
재무 건전성 부채, 유동성, 지급능력 — 대차대조표 건전성
지표
5년 추세
BCAL
동종업계 중앙값
성장 매출, EPS 및 순이익 성장률: YoY, 3년 CAGR, 5년 CAGR
지표
5년 추세
BCAL
동종업계 중앙값
Revenue YoY (매출 YoY)
41.0%
—
Revenue CAGR 3Y (매출 CAGR 3년)
25.4%
—
EPS YoY
777.3%
—
Net Income YoY (순이익 YoY)
1060.7%
—
자본 효율성 자산 회전율, 재고 회전율, 매출채권 회전율
지표
5년 추세
BCAL
동종업계 중앙값
Payout Ratio (지급 비율)
5.2%
—
배당금 배당 수익률, 지급 비율, 배당 이력, 5년 CAGR
배당 수익률
0.54%
지급 비율
5.2%
5년 배당 CAGR
—
| 배당락일 | 금액 |
|---|---|
| 2026년 3월 24일 | $0.1000 |
| 2025년 12월 24일 | $0.1000 |
BCAL 분석가 합의 강세 및 약세 애널리스트 의견, 12개월 목표 주가, 상승 여력
매수
9 명의 애널리스트
- 적극 매수 3 33.3%
- 매수 5 55.6%
- 보유 1 11.1%
- 매도 0 0.0%
- 적극 매도 0 0.0%
12개월 목표 주가
3 명의 애널리스트 · 2026-05-17
중앙값
$22.00
평균
$21.67
← 모든 목표가 하회
$18.83
저가
$21.00
고가
$22.00
중앙값 목표
$22.00
+16.8%
평균 목표
$21.67
+15.1%
실적 기록 EPS 실제 vs 예상, 서프라이즈 %, 달성률, 다음 실적 발표일
평균 서프라이즈
0.06%
| 기간 | EPS Actual | EPS 예상 | 서프라이즈 |
|---|---|---|---|
| 2026년 3월 31일 | $0.42 | $0.41 | 0.01% |
| 2025년 12월 31일 | $0.50 | $0.44 | 0.06% |
| 2025년 9월 30일 | $0.48 | $0.40 | 0.08% |
| 2025년 6월 30일 | $0.43 | $0.41 | 0.02% |
| 2025년 3월 31일 | $0.52 | $0.41 | 0.11% |
동료 비교 주요 지표 대 섹터 동종 기업
| 티커 | 시가총액 | P/E | 매출 YoY | 순이익률 | ROE | 매출 총이익률 |
|---|---|---|---|---|---|---|
| BCAL | $605M | 9.7 | 41.0% | 35.0% | 11.2% | — |
| SHBI | $591M | 9.9 | -0.27% | 285.4% | 10.3% | — |
| 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% | — |
| CARE | $434M | 14.2 | 4.7% | 154.4% | 7.6% | — |
| AROW | — | 11.8 | 17.6% | — | — | — |
| NFBK | — | 571.5 | 6.8% | — | — | — |
전체 기본 지표 연도별 모든 지표 — 손익계산서, 대차대조표, 현금흐름
손익계산서 9
| 지표 | 추세 | 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 |
대차대조표 15
| 지표 | 추세 | 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 |
현금 흐름 14
| 지표 | 추세 | 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 | · |
수익성 4
| 지표 | 추세 | 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% | · |
효율성 1
| 지표 | 추세 | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | 0.0 | · |
성장률 6
| 지표 | 추세 | 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% | · | · | · |
가치 평가 (TTM) 13
| 지표 | 추세 | 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 | · | · |
손익계산서 9
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Interest Expense | · | · | · | · | · | · | · | · | $11M | · | $8M | $7M | $4M | $3M | $2M | $648.0K | |
| Interest Income | $54M | $56M | $57M | $56M | $57M | $63M | $54M | $32M | $31M | $33M | $31M | $30M | $29M | $28M | $25M | $22M | |
| Pretax Income | $19M | $22M | $22M | $20M | $24M | $23M | $-23M | $278.0K | $7M | $6M | $9M | $10M | $11M | $12M | $9M | $-1M | |
| Income Tax | $5M | $6M | $6M | $6M | $7M | $6M | $-6M | $88.0K | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $-306.0K | |
| Net Income | $14M | $16M | $16M | $14M | $17M | $17M | $-16M | $190.0K | $5M | $4M | $7M | $7M | $8M | $8M | $7M | $-736.0K | |
| EPS (Basic) | $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 | $-0.04 | |
| EPS (Diluted) | $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 | $-0.04 | |
| Shares (Basic) | 32,357,724 | -64,803,304 | 32,451,576 | 32,423,935 | 32,318,809 | -40,423,135 | 27,705,844 | 18,537,507 | 18,426,848 | -36,400,741 | 18,304,023 | 18,287,595 | 18,055,287 | -35,567,541 | 17,857,579 | 17,808,742 | |
| Shares (Diluted) | 32,675,943 | -65,449,076 | 32,811,827 | 32,685,132 | 32,698,227 | -40,683,676 | 27,705,844 | 18,799,513 | 18,801,716 | -37,232,409 | 18,672,132 | 18,596,228 | 18,620,791 | -36,365,472 | 18,277,789 | 18,201,854 |
대차대조표 15
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $411M | $400M | $559M | $430M | $439M | $388M | $614M | $105M | $87M | $87M | $95M | $105M | $102M | $87M | · | · | |
| PP&E (Net) | $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 | $112M | $112M | $113M | $38M | $38M | $38M | $38M | $38M | $38M | $38M | · | · | |
| Intangibles | $18M | $18M | $19M | $20M | $21M | $22M | $23M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | · | · | |
| Total Assets | $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 | $3.47B | $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 | $34M | $34M | $33M | $53M | $70M | $70M | $69M | $43M | $45M | $103M | $26M | $33M | $18M | $68M | · | · | |
| Common Stock | $435M | $442M | $444M | $444M | $443M | $442M | $442M | $224M | $223M | $222M | $222M | $221M | $220M | $218M | · | · | |
| Retained Earnings | $146M | $136M | $123M | $107M | $93M | $76M | $59M | $76M | $76M | $71M | $66M | $60M | $53M | $49M | · | · | |
| AOCI | $-4M | $-2M | $-2M | $-4M | $-4M | $-7M | $-3M | $-6M | $-6M | $-4M | $-9M | $-7M | $-5M | $-6M | · | · | |
| Stockholders' Equity | $578M | $577M | $565M | $548M | $531M | $512M | $498M | $293M | $292M | $288M | $279M | $274M | $268M | $260M | · | · | |
| Liabilities + Equity | $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 | 32,152,298 | 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 | · | · |
현금 흐름 14
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Stock-based Comp | $1M | $1M | $1M | $2M | $1M | $2M | $3M | $996.0K | $895.0K | $755.0K | $992.0K | $1M | $2M | $950.0K | $949.0K | $1M | |
| Deferred Tax | $4M | $3M | $819.0K | $2M | $6M | $5M | $-6M | $-731.0K | $2M | $-603.0K | $251.0K | $-524.0K | $1M | $517.0K | $424.0K | $-2M | |
| Amort. of Intangibles | $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 | $99.0K | |
| Operating Cash Flow | $9M | $21M | $16M | $13M | $7M | $24M | $18M | $309.0K | $8M | $-8M | $11M | $12M | $18M | $9M | $-382.0K | $8M | |
| CapEx | $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 | $487.0K | |
| Investing Cash Flow | $-8M | $-85M | $-13M | $26M | $101M | $93M | $355M | $15M | $63M | $-36M | $-17M | $-20M | $-7M | $-41M | $-74M | $-187M | |
| Stock Repurchased | $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 | $34.0K | |
| Net Stock Activity | $-7M | · | · | · | $-1M | · | · | · | $-509.0K | · | · | · | $-374.0K | · | · | · | |
| Dividends Paid | $3M | · | · | · | $0 | · | · | · | · | · | · | · | · | · | · | · | |
| Financing Cash Flow | $11M | $-95M | $126M | $-48M | $-57M | $-343M | $137M | $3M | $-71M | $36M | $-4M | $10M | $4M | $-39M | $-10M | $15M | |
| Net Change in Cash | $11M | $-159M | $129M | $-9M | $51M | $-226M | $510M | $18M | $-251.0K | $-8M | $-10M | $2M | $15M | $-70M | $-84M | $-165M | |
| Taxes Paid | $0 | $-1M | $2M | $9M | $0 | $-2M | $260.0K | $5M | $0 | $12M | $0 | $0 | $0 | $1M | $2M | $4M | |
| Free Cash Flow | $8M | · | · | · | $7M | · | · | · | $8M | · | · | · | $18M | · | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | $640.0K | · | · | · | $15M | · | · | · |
수익성 4
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.2% | · | 34.7% | 31.9% | 37.6% | · | -43.2% | 0.86% | 22.5% | · | 27.2% | 27.4% | 31.1% | · | · | · | |
| Pretax Margin | 43.2% | · | 48.3% | 45.3% | 52.8% | · | -59.1% | 1.2% | 33.1% | · | 39.0% | 40.5% | 42.5% | · | · | · | |
| ROA | 0.34% | · | 0.37% | 0.45% | 0.54% | · | -0.49% | 0.01% | 0.22% | · | 0.57% | 0.58% | 0.72% | · | · | · | |
| ROE | 2.5% | · | 2.9% | 3.4% | 4.1% | · | -4.2% | 0.07% | 1.8% | · | 4.7% | 4.9% | 6.2% | · | · | · |
효율성 1
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | · | · |
가치 평가 (TTM) 11
| 지표 | 추세 | 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 | Q2 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $178M | · | $172M | $149M | $127M | · | $106M | $93M | $97M | · | $99M | $98M | $92M | · | · | · | |
| Net Income TTM | $60M | · | $30M | $15M | $6M | · | $-5M | $18M | $26M | · | $28M | $21M | $16M | · | · | · | |
| Market Cap | $570M | · | $541M | $512M | $464M | · | $475M | $250M | $276M | · | $257M | $251M | $264M | · | · | · | |
| P/E | 9.6 | · | 19.9 | 42.6 | 71.7 | · | 493.0 | 13.7 | 10.6 | · | 9.2 | 12.0 | 16.8 | · | · | · | |
| P/S | 3.2 | · | 3.1 | 3.4 | 3.7 | · | 4.5 | 2.7 | 2.8 | · | 2.6 | 2.6 | 2.9 | · | · | · | |
| P/B | 1.0 | · | 1.0 | 0.9 | 0.9 | · | 1.0 | 0.9 | 0.9 | · | 0.9 | 0.9 | 1.0 | · | · | · | |
| P / Tangible Book | 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 | · | · | · | |
| P / FCF | 68.7 | · | · | · | 67.5 | · | · | · | 34.7 | · | · | · | 14.5 | · | · | · | |
| Earnings Yield | 10.4% | · | 5.0% | 2.4% | 1.4% | · | 0.20% | 7.3% | 9.5% | · | 10.9% | 8.3% | 5.9% | · | · | · | |
| Payout Ratio | 23.6% | · | · | · | · | · | · | · | · | · | · | · | · | · | · | · |
재무제표 손익계산서, 대차대조표, 현금흐름 — 연간, 지난 5년
손익계산서
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| 순이익 | $63M | $5M | $26M | $16M |
| 희석 EPS | $1.93 | $0.22 | $1.39 | $0.88 |
현금 흐름
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | |
|---|---|---|---|---|
| 잉여현금흐름 | $57M | $50M | $33M | — |
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