California BanCorp Common Stock (BCAL)

FairStock Score: 54/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a bank, California BanCorp makes money on loans and deposits in California, so I start with book value, returns and credit risk. At the 2026-10-13 close of $21.41, the market cap is $688.3M. FairStock calculations show P/E 11.57, P/B 1.17, ROE 10.62%, dividend yield 2.24%, beta 0.34 and Piotroski F-Score 7/9. That is not a cigar butt, but it is not expensive for a modestly profitable bank. Filed figures show net income of $14.3M and diluted EPS of $0.44 in fiscal Q2 2026 (quarter ended 2026-06-30), $13.8M/$0.42 in fiscal Q1 2026, and $15.7M/$0.48 in fiscal Q3 2025. The quarterly earnings base looks fairly steady. For FY2025, net income was $63.1M and diluted EPS $1.93, a sharp rebound from FY2024's $5.4M and $0.22. That volatility matters: the computed Lynch category is stalwart based on 57.6% yearly profit growth over three years, but the FY2024 trough flatters that figure. Revenue is listed as n/a in the filed figures, and the data also lacks CET1, net interest margin, nonperforming loans, reserves, efficiency ratio and loan-to-deposit ratio. Without those, I cannot properly judge underwriting and leverage. PEG of 8.09 looks demanding if growth slows. At 1.17 times book with a 10.62% ROE, the price seems fair, not a compelling bargain. I would want consistent earnings and clearer credit metrics before calling it a high-quality compounder.

In plain English: California BanCorp is a small California bank that serves local businesses and individuals with deposits and loans. Its recent profits have been steady, it pays a modest dividend, and the price looks roughly fair against its earnings and book value rather than a clear bargain. The main unknowns are credit quality and growth, because key bank details are not in the data.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer