California BanCorp (BCAL) Stock Score, Valuation & Financial Research
California BanCorp is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 63/100.
Quick answer for BCAL
California BanCorp currently has a Wall Street Score of 63/100. The stored market price is $21.63. Its financial score is 48/100. Its valuation score is 97/100. The latest WSS change is -0.5 points. These figures are a research snapshot, not a buy or sell recommendation.
What California BanCorp does
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote depos
BCAL financial snapshot
- Wall Street Score:
- 63/100
- Current price:
- $21.63
- Market capitalization:
- $695.7M
- Revenue:
- $231.3M
- Net income:
- $60.2M
- Free cash flow:
- $56.9M
- Cash:
- $55.2M
- Total debt:
- $53.0M
- EPS:
- 1.86
- P/E ratio:
- 11.6x
- Financial score:
- 48/100
- Valuation score:
- 97/100
- Revenue score:
- 42/100
What stands out
- Reported year-over-year revenue growth is -0.0%.
- Free cash flow is $56.9M, showing positive cash generation.
- The balance sheet shows $55.2M of cash versus $53.0M of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -0.5 points: BCAL decreased 0.5 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 48/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-09.
How to research BCAL
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.