California BanCorp (BCAL) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
As of 2026-11-03, California BanCorp (NASDAQ: BCAL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $21.48 (+0.19% 1D, market cap $690.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BCAL ranks #339 in composite RQD confidence.
Within the Financials sector (Major Banks), BCAL carries a Roarable C (62/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 10.9%. By comparison, MSBI (Midland States Bancorp Inc.) holds a D+ grade (54/100 RQD, P/E N/A, ROIC -22.0%, cap $682.5M) and CWBC (Community West Bancshares) posts a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).
Per BCAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795815), California BanCorp generated $0 in revenue, $63.1M in net income, and $56.9M in free cash flow against $4.03B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 4/9
Put hedging (50% put share) caps near-term gamma upside (-10 pts vs max)
Even with a 62/100 (C) score, BCAL faces multiple-compression risk if 10.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.61) or 200D SMA ($19.90) invalidates the momentum regime and cuts Target Base ($21.87) toward Bear Floor ($17.06).
California BanCorp (BCAL) advanced +0.19% to $21.48, trading at 83% of its 52-week range ($16.87 – $22.41). Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Yahoo Finance report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Southern Calif Bancorp (NASDAQ:BCAL) reported quarterly earnings of $0.43 per share which met the analyst consensus estimate. This is a 10.42 percent decrease over earnings of $0.48 per share from the same period last
Prosperity Bancshares (PB) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BCAL today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BCAL. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, California BanCorp (BCAL) ranks #339 by composite RQD confidence (62/100, grade C) and #626 by equity capitalization ($690.6M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 74/100 (B) compared with BCAL at 62/100 (C).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BCAL
ACTIVE
California BanCorp | C | 62/100 | 10.9x | — | 10.9% | +0.19% | $690.6M | Benchmark Subject |
| MSBI Midland States Bancorp Inc. | D+ | 54/100 | — | — | -22.0% | -3.01% | $682.5M | /msbi-vs-bcal → |
| CWBC Community West Bancshares | C- | 60/100 | 18.6x | — | 9.3% | -1.19% | $699.7M | /cwbc-vs-bcal → |
| RRBI Red River Bancshares Inc. | B- | 70/100 | 15.7x | — | 11.7% | +1.19% | $680.2M | /rrbi-vs-bcal → |
| CBNK Capital Bancorp Inc. | B | 74/100 | 12.0x | — | 14.2% | -0.60% | $679.6M | /cbnk-vs-bcal → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), California BanCorp (BCAL) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $63.1M, operating cash flow of $57.3M, and free cash flow of $56.9M (+14.5% YoY). On the balance sheet, BCAL closed FY2025 with $4.03B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $63.1M | $57.3M | $56.9M | $4.03B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $5.4M | $50.3M | $49.7M | $4.03B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $25.9M | $33.1M | $33.1M | — | — |
As of 2026-11-03, California BanCorp (NASDAQ: BCAL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $21.48 (+0.19% 1D, market cap $690.6M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BCAL ranks #339 in composite RQD confidence.
Within the Financials sector (Major Banks), BCAL carries a Roarable C (62/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 10.9%. By comparison, MSBI (Midland States Bancorp Inc.) holds a D+ grade (54/100 RQD, P/E N/A, ROIC -22.0%, cap $682.5M) and CWBC (Community West Bancshares) posts a C- grade (60/100 RQD, P/E 18.6x, ROIC 9.3%, cap $699.7M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).
Per BCAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795815), California BanCorp generated $0 in revenue, $63.1M in net income, and $56.9M in free cash flow against $4.03B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
BCAL last traded at $21.48 (+0.19% on volume of 157,092 shares), positioning the stock -0.60% below its 50-day simple moving average ($21.61) and +7.94% above its 200-day simple moving average ($19.90). Across its 52-week range of $16.87 to $22.41, BCAL sits at the 83.2% percentile with a 14-day RSI of 46.2 (NEUTRAL RANGE) and an implied next-earnings move of ±4.0% ($20.62 to $22.34).
Why BCAL Stock advanced +0.19% Today — RQD Quant Desk Flash. Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.
Per the Roarable RQD rating, BCAL scores 62 out of 100, grade C, labeled "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:
Taken together, the investor implications are: upside drivers are the cash yield and insider signal; valuation tradeoffs are reflected in a P/E of 10.9 (TTM) and 10.1 (forward) per the market data, which sits at a discount to the stated multiples, though the source does not provide peer comparisons; and the weaker whale-flow and balance-sheet pillars temper conviction. This is an analytical framing, not personalized financial advice.
Per the profile, California BanCorp (BCAL) is a NASDAQ-listed issuer in the Financials sector, Major Banks industry. Per the profile, its market capitalization is $0.7B. The source data does not describe its specific products, client base, or revenue model beyond sector and industry classification. Per the market data, gross, operating, and net margins are each reported as 0%, which the source does not explain.
| Period | Revenue | Operating Income | Net Income | EPS | FCF | Cash | Debt |
|---|---|---|---|---|---|---|---|
| FY 2025 | $0.0M | $0.0M | $63.1M | N/A | $56.9M | $399.9M | N/A |
| FY 2024 | $0.0M | $0.0M | $5.4M | N/A | $49.7M | $388.2M | N/A |
| FY 2023 | $0.0M | $0.0M | $25.9M | N/A | $33.1M | N/A | N/A |
Per the SEC financials, reported net income moved from $25.9M (FY 2023) to $5.4M (FY 2024) and then $63.1M (FY 2025), while FCF rose from $33.1M to $49.7M to $56.9M over the same span. Per the market data, ROIC is 10.9%. Per the RQD rating, the Altman Z-Score is 2.5 and the Piotroski F-Score is 4/9, with Debt/Equity at 0.5. Revenue, operating income, and debt figures are reported as $0.0M or N/A in the source, so margin and leverage analysis beyond these ratios is not possible from the data provided.
Per the recent news feed, the headlines are dominated by earnings-related items: an item describing analysts estimating a decline in earnings (Yahoo Finance), a headline that Q3 earnings matched estimates (Yahoo Finance), a notice that earnings were expected Tuesday (MarketBeat), a report that the company posted quarterly results meeting estimates (MarketBeat), and a report of $14.0 Million Third-Quarter Net Income (Quiver Quantitative). One headline notes shares edging lower to $21.44 and consolidating below resistance. All items are flagged YELLOW by the feed. The source does not include the body text of these articles, so the direction of any estimate revision is not confirmed beyond the headlines. Per the Butterfly Supply-Chain Graph, the supply chain is marked NONE, and no proprietary signals are listed.
Per the Butterfly Supply-Chain Graph, the supply-chain designation is NONE, with no butterfly links and no proprietary signals. The source therefore does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks for BCAL. Investors should note that this absence reflects the data set, not a confirmed absence of such relationships.
Real-time company headlines, analyst actions, and sector developments for California BanCorp (BCAL) • Click "Debate This Headline" to argue it in the Roar Pit below
Yahoo Finance report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
https://www.siam.in/ report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Quiver Quantitative report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
https://www.dars.gov.et/ report covering California BanCorp (BCAL) market action, institutional positioning, and fundamental catalysts.
Welcome to the BCAL (California BanCorp) Roar Pit. Current RQD Composite is 62/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Major Banks. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on BCAL, but look at what you are paying: 10.9x trailing P/E with tightening sector spreads. Unless California BanCorp expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on BCAL, the market is fixating on short-term headline noise in Major Banks and ignoring the balance sheet and cash flow trajectory. At $21.44 (52-wk range $16.87 - $22.41), any beat on forward guidance forces shorts and underweight funds to chase.
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