California BanCorp \ CA(BCAL)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
California BanCorp \ CA (BCAL) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BCAL at 66.8/100 on a 32-signal composite quality model, placing it at rank #403 of 2,961 stocks — the top 25% of the AI-ranked universe. BCAL scores in the top quartile across profitability (94.4), revenue growth (91.3), free cash flow (86.3). Areas of concern include revenue scale (22.4) and earnings quality (33.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 30.9/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), California BanCorp \ CA reports quarterly revenue of $44.9M, net income of $14.3M, an operating margin of 44.2%. Top institutional holders of BCAL by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, FJ Capital Management, BlackRock, based on the most recent SEC filings. BCAL trades on the Nasdaq exchange and files with the SEC under CIK 1795815. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BCAL daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for California BanCorp \ CA directly from SEC EDGAR.
AI Quality Score
66.8/100
AI Rank
#403
Revenue
$44.9M
Net Income
$14.3M
Free Cash Flow
$14.3M
Operating Margin
44.2%
BCAL key financials by period
California BanCorp \ CA reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$180.2M
$63.1M
48.8%
FY 2023
10-K
$97.5M
$25.9M
37.8%
FY 2022
10-K
$91.5M
$16.1M
24.0%
Institutions holding BCAL
Institutional investors reporting a position in California BanCorp \ CA on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-07 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net income of $14.3M ($0.44 per diluted share) with net interest income up $1.9M YoY to $43.4M, driven by higher loan yields and lower deposit costs, partially offset by higher credit loss provisions.
Biggest Revenue Drivers
Net interest income$43.4M+1.9M vs Q2 2025
Increase primarily driven by higher loan yields (6.34% vs 6.58%) and lower cost of funds (1.38% vs 1.73%), partially offset by accretion decline on acquired loans.
Biggest Revenue Drivers
Total revenue: $44.9M+1.4% YoY
Net interest income$43.4M+1.9M vs Q2 2025
Increase primarily driven by higher loan yields (6.34% vs 6.58%) and lower cost of funds (1.38% vs 1.73%), partially offset by accretion decline on acquired loans.
Largest Expense Items
Salaries and employee benefits$15.5M+1.6% YoY
Increase driven primarily by higher salaries and incentive compensation, partially offset by increased deferred loan origination costs.
Provision for credit losses$714Kvs ($634K) reversal in Q2 2025
Provision driven by updates to economic forecasts for California, continued loan growth, higher substandard accruing loan balances, partially offset by refinements to qualitative factors.
Data processing and communications$2.1M+13.5% YoY
Increase reflects higher technology spending and communications costs.
Margins: Net interest margin expanded to 4.71% in Q2 2026 from 4.61% in Q2 2025, driven by 35 basis point decrease in cost of funds to 1.38%, partially offset by 24 basis point decline in earning asset yield to 5.97% due to lower accretion income and market interest rates.
Watch Items from the Filing
Commercial real estate concentration at 449% of total risk-based capital, with office loans ($384M) showing 51% weighted-average LTV; elevated remote work and rising vacancy rates pose credit risks.
Accumulated other comprehensive loss increased to $5.3M net of tax at June 30, 2026 from $1.6M at year-end due to rising 10-year Treasury yields; potential $51.1M after-tax losses in 300 bps rate shock scenario.
Nonperforming loans decreased to $8.9M (0.29% of total loans) from $16.1M (0.53%) year-end; $8.6M OREO added in Q1 2026 from construction loan foreclosure.
Company intends to redeem entire $35M of 3.50% subordinated debt at par during Q3 2026; rate converts to SOFR+286bps starting September 2026 if not redeemed.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
