California BanCorp.

NASDAQ•BCAL

CEO: Mr. David I. Rainer

Sector: Financial Services

Industry: Banks - Regional

Listing Date: 2005-11-10

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 company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp. in August 2024. California BanCorp. was founded in 2001 and is headquartered in San Diego, California.

Contact Information

12265 El Camino Real, Suite 210, San Diego, CA, 92130, United States

844-265-7622

www.californiabankofcommerce.com

Market Cap

$619.49M

P/E (TTM)

10.5

15.7

Dividend Yield

1.0%

52W High

$20.47

52W Low

$14.07

52W Range

81%

Rank39Top 39.1%

4.2

F-Score

Modified Piotroski Analysis

Based on 10-year fundamentals

Average • 4.2 / 9 points

Scoring Range (0-9)

8-9: Excellent Value

6-7: Strong Fundamentals

4-5: Average Quality

0-3: Weak Performance

Data Period: 2016-2025

Financial Dashboard

Q1 2026 Data

Revenue

$55.67M+0.00%

4-Quarter Trend

EPS

$0.43+0.00%

4-Quarter Trend

FCF

$8.30M+0.00%

4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Net Income Surge Post-Merger Net income reached $63.1M in 2025, up sharply from $5.4M in 2024, driven by higher NII and PCL reversal.

NIM Expansion and Credit Quality NIM improved to 4.55% in 2025; recorded $8.8M reversal of provision for credit losses, signaling strong asset health.

Strong Capital Ratios Maintained Tangible common equity ratio strengthened to 11.45% in 2025 from 9.69% in 2024, exceeding regulatory minimums.

Asset Quality Significantly Improved Non-performing assets ratio dropped to 0.40% of total assets by year-end 2025, reflecting successful balance sheet derisking efforts.

Risk Factors

Economic Downturn Vulnerability Highly concentrated business in California exposes profitability to regional economic downturns, property value volatility, and severe weather events.

Interest Rate Risk Exposure Earnings depend on Net Interest Income, subject to adverse impacts from repricing mismatches and yield curve shifts contrary to expectations.

CRE Concentration Scrutiny CRE loans represent 469.3% of total risk-based capital, inviting heightened regulatory scrutiny and potential capital level requirements.

Liquidity and Funding Reliance Reliance on deposit flows for liquidity; large uninsured deposits (49% of total) pose risk during periods of financial stress or confidence loss.

Outlook

Focus on Organic Growth Management plans to focus efforts on organic growth while remaining opportunistic for strategic acquisitions aligning with the established business model.

Managing Credit Risk Continue monitoring credit quality, especially in CRE and C&I portfolios, ensuring ACL methodology remains appropriate for economic forecasts.

Capital Distribution Policy Future dividends depend on Bank earnings and regulatory capital levels; first quarterly dividend declared in Q4 2025.

Technology and Competition Future success relies on effectively adopting new technology and competing against larger institutions with greater resources and scale.

Peer Comparison

Revenue (TTM)

CUBI

$1.50B

+15.5%

TCBX

$384.76M

+12.9%

FISI

$378.23M

+42.1%

Gross Margin (Latest Quarter)

FCBC

89.1%

+4.8pp

ALRS

82.4%

-32.1pp

BCAL

79.7%

+0.0pp

Key Metrics

Symbol	Market Cap	P/E (TTM)	ROE (TTM)	Debt to Assets
CUBI	$2.50B	9.0	13.6%	7.4%
MCBS	$968.14M	12.9	15.1%	9.4%
THFF	$845.28M	10.5	12.8%	9.1%

Long-Term Trends

Last 4 Quarters

Revenue

Net Income

Operating Cash Flow

4Q Revenue CAGR

-1.7%

Flat Growth

4Q Net Income CAGR

-0.7%

Stable Profitability

Cash Flow Stability

100%

Strong Cash Flow

Deep Research

Next earnings:Jul 27, 2026

EPS:$0.41

Revenue:$45.09M

Financials

Earnings Calls

Reports

News

Income Statement

Balance Sheet

Cash Flow Statement

Ratios

% Chg.

Income Statement	LTM

No Data