California BanCorp \ CA(BCAL)Stock Analysis
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Rank #403 of 2,961 stocksTOP 25%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
BCAL Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for California BanCorp \ CA (BCAL), 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. California BanCorp \ CA's 13F Pro composite quality score has ranged between 38 and 67 since 2026, currently 66.8 — an improving long-term trajectory across 8 quarterly and live scoring snapshots.
What's Driving BCAL's Business? Latest 10-Q Breakdown
AI-extracted from California BanCorp \ CA's 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
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.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
Revenue
Q2 2026
$44.9M
Net Income
Q2 2026
$14.3M
Free Cash Flow
Q2 2026
$14.3M
Operating Margin
Q2 2026
44.2%
ROIC
Q2 2026
12.8%
D/E Ratio
Q2 2026
0.06
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
Net Income
+1060.6% YoYEPS (Diluted)
+777.3% YoYTotal Assets
+0.0% YoYTotal Debt
-51.5% YoYOp. Cash Flow
+13.9% YoYFree Cash Flow
+14.5% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Revenue | $180.2M | — | $97.5M +6.6% | $91.5M | — |
| Net Income | $63.1M +1060.6% | $5.4M -79.0% | $25.9M +60.8% | $16.1M | — |
| EPS (Diluted) | $1.93 +777.3% | $0.22 -84.2% | $1.39 +58.0% | $0.88 | — |
| Total Assets | $4.03B +0.0% | $4.03B +70.8% | $2.36B +3.3% | $2.28B | — |
| Total Debt | $33.8M -51.5% | $69.7M -32.2% | $102.9M +51.8% | $67.8M | — |
| Operating Cash Flow | $57.3M +13.9% | $50.3M +51.9% | $33.1M +147.9% | $13.4M | — |
| Free Cash Flow | $56.9M +14.5% | $49.7M +51.6% | $32.8M +167.3% | $12.3M | — |
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Available Research
13F Pro tracks comprehensive data for California BanCorp \ CA including:
Top Institutional Holders of BCAL
WELLINGTON MANAGEMENT GROUP LLP
$51.0M2,447,278 shFJ Capital Management LLC
$42.8M2,054,534 shBlackRock, Inc.
$40.1M1,925,599 shALLIANCEBERNSTEIN L.P.
$34.6M1,952,131 shENDEAVOUR CAPITAL ADVISORS INC
$34.5M1,655,639 shVANGUARD CAPITAL MANAGEMENT LLC
$23.0M1,104,260 shSTATE STREET CORP
$17.8M850,362 shBANC FUNDS CO LLC
$17.0M816,155 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$16.5M791,794 shGEODE CAPITAL MANAGEMENT, LLC
$13.2M631,917 sh
| Fund | Value | Shares |
|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $51.0M | 2,447,278 |
| FJ Capital Management LLC | $42.8M | 2,054,534 |
| BlackRock, Inc. | $40.1M | 1,925,599 |
| ALLIANCEBERNSTEIN L.P. | $34.6M | 1,952,131 |
| ENDEAVOUR CAPITAL ADVISORS INC | $34.5M | 1,655,639 |
| VANGUARD CAPITAL MANAGEMENT LLC | $23.0M | 1,104,260 |
| STATE STREET CORP | $17.8M | 850,362 |
| BANC FUNDS CO LLC | $17.0M | 816,155 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $16.5M | 791,794 |
| GEODE CAPITAL MANAGEMENT, LLC | $13.2M | 631,917 |
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Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
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Popular Research
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. BCAL is classified as a small company.
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.