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California BanCorp.

California BanCorp.

NASDAQ•BCAL
CEO: Mr. David I. Rainer
セクター: Financial Services
業種: Banks - Regional
上場日: 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.
連絡先情報
12265 El Camino Real, Suite 210, San Diego, CA, 92130, United States
844-265-7622
www.californiabankofcommerce.com
時価総額
$611.22M
PER (TTM)
9.8
14.8
配当利回り
0.5%
52週高値
$20.47
52週安値
$11.87
52週レンジ
82%
順位39Top 39.1%
4.2
F-Score
改良版 Piotroski 分析
10年ファンダメンタル
堅調 • 4.2 / 9 ポイント
スコアレンジ (0-9)
8-9: 価値が優れている
6-7: 基礎体質が強い
4-5: 全体的に堅調
0-3: パフォーマンスが弱い
データ期間: 2016-2025

財務ダッシュボード

Q4 2025 データ

売上高

$55.11M-13.30%
直近4四半期の推移

EPS

$0.51-1.92%
直近4四半期の推移

フリーCF

$0.00+0.00%
直近4四半期の推移

2025 Q3 決算ハイライト

主なハイライト

Net Income Rebounds Strongly Nine months net income reached $46.6M, a significant turnaround from the $11.3M loss last year, driven by merger synergies.
NIM Shows Slight Compression Three-month NIM was 4.52%, slightly down from 4.61% last quarter, despite higher average earning assets post-merger.
Asset Quality Continues Improving Nonperforming loan ratio improved to 0.52% as of September 30, 2025, down from 0.85% year-end, reflecting successful derisking efforts.
Strong Capital Position Maintained Tangible equity to tangible assets ratio strengthened to 10.94% by period end, demonstrating robust capital adequacy.

リスク要因

CRE Concentration Elevated Risk Commercial Real Estate loans comprise 58.7% of the total loan portfolio, increasing exposure to regional real estate market volatility.
Interest Rate Sensitivity Model Modeled NII at Risk shows a potential $13.7M decrease if rates drop 300bps, indicating sensitivity to falling rate environments.
Credit Quality Downgrades Noted Special Mention loans increased $29.1M to $98.4M, driven by downgrades, though Substandard loans decreased $32.9M.
Regulatory Capital Buffer Monitoring Management must maintain capital ratios above PCA minimums, especially given ongoing regulatory scrutiny and evolving requirements.

見通し

Continued Loan Portfolio Derisking Management continues derisking efforts, evidenced by a $148.9M decrease in total loans held for investment since year-end 2024.
Economic Uncertainty Impacts ACL ACL estimates incorporate a downside economic scenario (20% weighting) due to inflation and geopolitical uncertainty concerns.
Liquidity Sources Remain Stable Total liquidity ratio remains strong at 21.7%, supported by diversified deposits and available FHLB/Fed credit lines.
Focus on Operational Efficiency Adjusted efficiency ratio improved to 51.7% for the quarter, reflecting successful integration post-merger and cost control efforts.

同業比較

売上高 (TTM)

Customers Bancorp, Inc.CUBI
$1.41B
+3.9%
Financial Institutions, Inc.FISI
$377.00M
+42.7%
Third Coast Bancshares, Inc.TCBX
$366.95M
+8.5%

粗利益率 (最新四半期)

First Financial CorporationTHFF
96.6%
+26.3pp
First Community Bankshares, Inc.FCBC
90.9%
+4.8pp
California BanCorp.BCAL
83.9%
+0.0pp

主要指標

銘柄コード
時価総額
PER (TTM)
ROE (TTM)
負債比率
CUBI$2.45B10.911.2%6.9%
MCBS$832.27M11.314.8%11.3%
HTBK$811.91M17.06.8%0.7%

長期トレンド

直近4四半期
売上高
純利益
営業キャッシュフロー
4四半期売上高CAGR
-2.5%
横ばい
4四半期純利益CAGR
-0.9%
収益性の安定
キャッシュフロー安定性
75%
キャッシュフローの変動が大きい

深度リサーチ

次回決算:2026年4月22日
|
EPS:-
|
売上高:-
財務レポート
財務データ
全年度

  • Form 10-Q - Q3 2025

    会計期末: 2025年9月30日|提出日: 2025年11月7日|
    売上高: $59.86M+8.2%
    |
    EPS: $0.48-181.4%
    予想を上回る

  • Form 10-Q - Q2 2025

    会計期末: 2025年6月30日|提出日: 2025年8月8日|
    売上高: $58.64M+77.5%
    |
    EPS: $0.43+4200.0%
    予想を上回る

  • Form 10-Q - Q1 2025

    会計期末: 2025年3月31日|提出日: 2025年5月9日|
    売上高: $59.39M+81.8%
    |
    EPS: $0.52+92.6%
    予想を上回る

  • Form 10-K - FY 2024

    会計期末: 2024年12月31日|提出日: 2025年4月1日|
    売上高: $184.58M+45.5%
    |
    EPS: $0.22-84.5%
    予想を下回る

  • Form 10-Q - Q3 2024

    会計期末: 2024年9月30日|提出日: 2024年11月14日|
    売上高: $55.30M+71.2%
    |
    EPS: $-0.59-268.6%
    予想を下回る

  • Form 10-Q - Q2 2024

    会計期末: 2024年6月30日|提出日: 2024年8月12日|
    売上高: $33.04M+5.4%
    |
    EPS: $0.01-97.3%
    予想を下回る

  • Form 10-Q - Q1 2024

    会計期末: 2024年3月31日|提出日: 2024年5月8日|
    売上高: $32.68M+6.2%
    |
    EPS: $0.27-41.3%
    予想を上回る

  • Form 10-K - FY 2023

    会計期末: 2023年12月31日|提出日: 2024年3月15日|
    売上高: $126.90M+29.5%
    |
    EPS: $1.42+57.8%
    予想を上回る