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

$593.52M

PER (TTM)

9.5

15.4

配当利回り

1.1%

52週高値

$20.47

52週安値

$11.98

52週レンジ

75%

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

$20.81M+0.00%

直近4四半期の推移

2025 Annual 決算ハイライト

主なハイライト

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.

リスク要因

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.

見通し

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.

同業比較

売上高 (TTM)

CUBI

$1.41B

+3.9%

FISI

$377.00M

+42.7%

TCBX

$366.95M

+8.5%

粗利益率 (最新四半期)

THFF

96.6%

+26.3pp

FCBC

90.9%

+4.8pp

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	$2.56B	11.4	11.2%	6.9%
MCBS	$895.67M	12.1	14.8%	11.3%
HTBK	$823.50M	17.1	6.8%	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

100%

優れたキャッシュフローの実績

深度リサーチ

次回決算:2026年4月22日

EPS:-

売上高:-

財務データ

決算説明会

財務レポート

ニュース

損益計算書

バランスシート

キャッシュフロー計算書

財務比率

変化率

損益計算書	直近12ヶ月

データなし