# California BanCorp (BCAL) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks - Regional. Price $21.90, market value $704 million.

## Valuation
- **P/E (trailing): 11.9×** (5-yr avg 28.7×, 3-yr avg 31.9×). California BanCorp trades at 11.9× trailing earnings, well below its own five-year average of 28.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 11.8×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.02**. A PEG of 0.02 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 8.4%** (5-yr avg 9.0%). Free cash flow equals 8.4% of the market value, in line with its five-year average of 9.0%. Above 5% is generally attractive.
- **Earnings yield: 8.4%**. The inverse of the P/E: 8.4% of the price is earned each year.

## Profitability
- **Return on equity: 10.9%**. 10.9% on shareholders' equity is solid.

## Growth
- **EPS growth (1 yr): 777.3%** (3-yr 29.9%/yr). Earnings per share rose 777.3%.
- **Free-cash-flow growth (3 yr): 66.8%/yr**. Free cash flow has compounded at 66.8% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 4/9**. 4 of 9 checks pass: mixed.
- **Cash and short-term investments: $400 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.19%** ($0.30 per share, trailing). California BanCorp yields 2.19%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 5%**. 5% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.

## Analyst view
- **Analyst consensus: strong_buy** (4 analysts). 4 analysts cover California BanCorp; the consensus is strong_buy, with an average price target of $24.50 (+12% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 30.2%** (YTD 18.6%, 3-mo 14.3%). The shares are up 30.2% over twelve months including dividends.
- **From 52-week high: -0.5%** (38.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 62**. An RSI of 62 is neutral.
- **Beta (1 yr): 0.44** (volatility 20%). Beta of 0.44 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BCAL · Page: https://foliofundamentals.com/stocks/bcal

Not investment advice.