What is the 13F Pro Quality Score for BCAL?

13F Pro ranks California BanCorp \ CA (BCAL) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BCAL's current score at https://13fpro.ai/research/BCAL (free sign-up required for the full ranking).

Where does 13F Pro source BCAL data?

All California BanCorp \ CA fundamentals and ownership data come directly from SEC EDGAR. California BanCorp \ CA files with the SEC under CIK 1795815. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BCAL in?

California BanCorp \ CA (BCAL) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BCAL research updated on 13F Pro?

BCAL's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

California BanCorp \ CA(BCAL)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

BCAL Stock Analysis & AI Quality Score

AI stock analysis and institutional research for California BanCorp \ CA (BCAL), a Financials sector company. BCAL is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), California BanCorp \ CA reports quarterly revenue of $44.2M, net income of $13.8M, free cash flow of $8.3M. Top institutional holders of BCAL by reported 13-F value include WELLINGTON MANAGEMENT GROUP LLP, ALLIANCEBERNSTEIN L.P., FJ Capital Management, 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.

Revenue

Q1 2026

$44.2M

Net Income

Q1 2026

$13.8M

Free Cash Flow

Q1 2026

$8.3M

ROIC

Q1 2026

3.1%

D/E Ratio

Q1 2026

0.06

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Net Income

+1060.6% YoY

$63.1MFY 2025

FY23 $25.9MFY24 $5.4MFY25 $63.1M

EPS (Diluted)

+777.3% YoY

$1.93FY 2025

FY23 $1.39FY24 $0.22FY25 $1.93

Total Assets

+0.0% YoY

$4.03BFY 2025

FY23 $2.36BFY24 $4.03BFY25 $4.03B

Total Debt

-51.5% YoY

$33.8MFY 2025

FY23 $102.9MFY24 $69.7MFY25 $33.8M

Op. Cash Flow

+13.9% YoY

$57.3MFY 2025

FY23 $33.1MFY24 $50.3MFY25 $57.3M

Metric	FY 2025	FY 2024	FY 2023
Net Income	$63.1M +1060.6%	$5.4M -79.0%	$25.9M
EPS (Diluted)	$1.93 +777.3%	$0.22 -84.2%	$1.39
Total Assets	$4.03B +0.0%	$4.03B +70.8%	$2.36B
Total Debt	$33.8M -51.5%	$69.7M -32.2%	$102.9M
Operating Cash Flow	$57.3M +13.9%	$50.3M +51.9%	$33.1M

AI Insight: BCAL Financial Trends

BCAL's equity base has grown steadily to $578M while total debt has nearly halved from $70M to $34M since Q1 2025, signaling meaningful balance-sheet deleveraging.

• Total debt fell from $70M in Q1 2025 to $34M in Q1 2026, a 51% reduction over four quarters.

• Equity expanded from $293M in Q2 2024 to $578M in Q1 2026, nearly doubling over the period.

• Net income has been roughly stable at $14M–$17M per quarter since Q4 2024, following a $16M loss in Q3 2024.

⚠ Operating cash flow dropped to $9M in Q1 2026 from $21M in Q4 2025 — the weakest reading in three quarters.

⚠ Net income slipped to $14M in Q1 2026 from $16M–$17M in the prior two quarters; monitor for further softening.

AI Insight: BCAL Ratio Trends

BCAL's leverage has collapsed to near-zero (D/E 0.06) while profitability stabilized in the 10–16% ROIC range after a severe Q3 2024 loss.

• D/E ratio fell sharply from 0.15 in Q2 2024 to 0.06 by Q3 2025, and held there through Q1 2026, signaling a meaningfully deleveraged balance sheet.

• After a deep loss quarter (ROE -13.2%, ROIC -15.9% in Q3 2024), returns recovered strongly to ROE 13.1% and ROIC 16.0% in Q4 2024.

• Q1 2026 shows ROE of 9.6% and ROIC of 12.5% — the weakest readings since Q2 2024, suggesting modest sequential softening in profitability.

⚠ ROIC has drifted from 16.0% in Q4 2024 to 12.5% in Q1 2026 — a 3.5pp decline over four quarters worth monitoring for continuation.

⚠ ROA slipped to 1.4% in Q1 2026 from 1.7% in Q1 2025; confirm whether this reflects seasonal patterns or an underlying earnings headwind.

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Available Research

13F Pro tracks comprehensive data for California BanCorp \ CA including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BCAL

WELLINGTON MANAGEMENT GROUP LLP
$47.6M2,687,484 sh
ALLIANCEBERNSTEIN L.P.
$40.1M2,148,396 sh
FJ Capital Management LLC
$36.4M2,054,534 sh
ENDEAVOUR CAPITAL ADVISORS INC
$32.2M1,819,125 sh
BlackRock, Inc.
$25.8M1,458,404 sh
VANGUARD CAPITAL MANAGEMENT LLC
$18.5M1,045,787 sh
BANC FUNDS CO LLC
$14.7M831,155 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$14.1M795,309 sh
STATE STREET CORP
$13.7M770,050 sh
GEODE CAPITAL MANAGEMENT, LLC
$9.9M555,806 sh

Fund	Value	Shares
WELLINGTON MANAGEMENT GROUP LLP	$47.6M	2,687,484
ALLIANCEBERNSTEIN L.P.	$40.1M	2,148,396
FJ Capital Management LLC	$36.4M	2,054,534
ENDEAVOUR CAPITAL ADVISORS INC	$32.2M	1,819,125
BlackRock, Inc.	$25.8M	1,458,404
VANGUARD CAPITAL MANAGEMENT LLC	$18.5M	1,045,787
BANC FUNDS CO LLC	$14.7M	831,155
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$14.1M	795,309
STATE STREET CORP	$13.7M	770,050
GEODE CAPITAL MANAGEMENT, LLC	$9.9M	555,806

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Is BCAL a good stock to buy?

13F Pro's AI-powered analysis of California BanCorp \ CA (BCAL) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BCAL are available on the BCAL stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BCAL?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BCAL. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of California BanCorp \ CA's investment landscape.