California Bancorp \ Ca (BCAL) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · Nasdaq
California Bancorp \ Ca (BCAL) stock forecast summary
On Oct. 16, 2026, BCAL is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5171 stocks scored that day.
California Bancorp \ Ca is a small-cap company with a market capitalization of $700M. It ranks number 56 by market capitalization among the 60 National Commercial Banks issuers in our coverage with a current forecast.
For BCAL, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -21.0%, measured on 310 forecast dates between 2023-06-23 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -11.0%, measured on 353 forecast dates between 2023-06-23 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
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How BCAL ranks among 5171 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
California Bancorp \ Ca (BCAL) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the National Commercial Banks peers listed below that report each metric.
Valuation & Market
| Metric | BCAL | Rank |
|---|---|---|
| Market Cap | $700M | 56/60 |
| P/E Ratio | 11.22x | 41/58 |
| P/B Ratio | 1.19x | 37/59 |
| EPS | $1.94 | – |
| Book Value/Share | $18.25 | – |
| Revenue/Share | $7.24 | – |
| FCF/Share | $1.84 | – |
Profitability & Margins
| Metric | BCAL | Rank |
|---|---|---|
| ROE | 13.1% | 11/55 |
| ROA | 1.9% | 5/49 |
| Net Margin | 33.1% | 14/54 |
| EBT Margin | 45.9% | 11/59 |
| Tax Rate | 27.9% | – |
Financial Health
| Metric | BCAL | Rank |
|---|---|---|
| D/E Ratio | 5.86x | 56/60 |
| Financial Leverage | 6.86x | 48/52 |
Cash Flow
| Metric | BCAL | Rank |
|---|---|---|
| Operating Cash Flow | $60M | 53/60 |
| Free Cash Flow | $59M | 37/43 |
| Capital Spending | -$960K | 2/43 |
| OCF Growth YoY | 31.0% | 28/54 |
| FCF Growth YoY | 233.9% | 5/41 |
| FCF/Sales | 25.4% | 29/43 |
| CapEx/Sales | 0.4% | 43/43 |
Operational Efficiency
| Metric | BCAL | Rank |
|---|---|---|
| Asset Turnover | 0.06x | 3/49 |
| Fixed Assets Turnover | 19.2x | 2/52 |
Income Statement
| Metric | BCAL | Rank |
|---|---|---|
| Total Revenue | $233M | 50/57 |
| Net Income | $77M | 47/55 |
Dividend & Shareholder Information
| Metric | BCAL | Rank |
|---|---|---|
| Shares Outstanding | 32M | – |
| EPS Growth | 1840.0% | 1/55 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $265M | 6.6% of assets |
| Total Liabilities | $3.44B | 85.4% of assets |
BCAL quarterly financials and insider trading
California Bancorp \ Ca (BCAL) industry peers
Companies classified under the same SEC industry code as California Bancorp \ Ca (National Commercial Banks): 60 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
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Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| BCAL California Bancorp \ Ca | ▶ | $700M |
| JPM Jpmorgan Chase & Co | ▲ | $903.04B |
| BAC Bank Of America Corp /De/ | ▲ | $358.24B |
| WFC Wells Fargo & Company/Mn | ▶ | $250.24B |
| C Citigroup Inc | ▲ | $222.33B |
| UBS Ubs Group Ag | ▼ | $159.66B |
| MFG Mizuho Financial Group Inc | ▶ | $127.39B |
| COF Capital One Financial Corp | ▼ | $123.76B |
| USB Us Bancorp \De\ | ▶ | $89.42B |
| PNC Pnc Financial Services Group, Inc. | ▶ | $85.75B |
| TFC Truist Financial Corp | ▼ | $56.89B |
| HBAN Huntington Bancshares Inc /Md/ | ▲ | $30.85B |
| RF Regions Financial Corp | ▲ | $23.27B |
| KEY Keycorp /New/ | ▲ | $21.33B |
| FHN First Horizon Corp | ▶ | $10.84B |
| UMBF Umb Financial Corp | ▼ | $10.01B |
| ONB Old National Bancorp /In/ | ▶ | $9.77B |
| CFR Cullen/Frost Bankers, Inc. | ▶ | $9.64B |
| ZION Zions Bancorporation, National Association /Ut/ | ▶ | $9.20B |
| BOKF Bok Financial Corp | ▶ | $7.59B |
| VLY Valley National Bancorp | ▲ | $7.05B |
| FNB Fnb Corp/Pa/ | ▶ | $6.08B |
| FULT Fulton Financial Corp | ▶ | $4.28B |
| WSFS Wsfs Financial Corp | ▶ | $3.90B |
| BANF Bancfirst Corp /Ok/ | ▶ | $3.66B |
| WSBC Wesbanco Inc | ▶ | $3.55B |
| NIC Nicolet Bankshares Inc | ▶ | $3.45B |
| FFBC First Financial Bancorp /Oh/ | ▼ | $3.30B |
| SFNC Simmons First National Corp | ▶ | $3.22B |
| PRK Park National Corp /Oh/ | ▶ | $3.22B |
| BANC Banc Of California, Inc. | ▲ | $2.71B |
| NBTB Nbt Bancorp Inc | ▶ | $2.63B |
| TRMK Trustmark Corp | ▶ | $2.61B |
| FRME First Merchants Corp | ▶ | $2.29B |
| NWBI Northwest Bancshares, Inc. | ▶ | $2.18B |
| WAFD Wafd Inc | ▲ | $2.18B |
| FCF First Commonwealth Financial Corp /Pa/ | ▶ | $2.06B |
| TBBK Bancorp, Inc. | ▶ | $2.00B |
| CHCO City Holding Co | ▶ | $1.99B |
| FSUN Firstsun Capital Bancorp | ▶ | $1.77B |
| HOPE Hope Bancorp Inc | ▲ | $1.72B |
| DCOM Dime Commercial Bancshares, Inc. /Ny/ | ▲ | $1.71B |
| NBHC National Bank Holdings Corp | ▶ | $1.68B |
| BFC Bank First Corp | ▼ | $1.64B |
| OCFC Oceanfirst Financial Corp | ▶ | $1.54B |
| CASH Pathward Financial, Inc. | ▶ | $1.51B |
| WABC Westamerica Bancorporation | ▶ | $1.41B |
| BHRB Burke & Herbert Financial Services Corp. | ▼ | $1.41B |
| AMTB Amerant Bancorp Inc. | ▲ | $1.13B |
| FMCB Farmers & Merchants Bancorp | ▶ | $993M |
| CAC Camden National Corp | ▲ | $948M |
| HAFC Hanmi Financial Corp | ▶ | $923M |
| SMBK Smartfinancial Inc. | ▲ | $858M |
| ALRS Alerus Financial Corp | ▲ | $780M |
| FISI Financial Institutions Inc | ▶ | $775M |
| SHBI Shore Bancshares Inc | ▶ | $752M |
| PFIS Peoples Financial Services Corp. | ▲ | $681M |
| CARE Carter Bankshares, Inc. | ▶ | $670M |
| CBNK Capital Bancorp Inc | ▲ | $645M |
| SFST Southern First Bancshares Inc | ▲ | $566M |
Where BCAL sits on the market map
California Bancorp \ Ca (BCAL) stock news
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California Bancorp \ Ca (BCAL) stock forecast FAQ
What is the California Bancorp \ Ca (BCAL) stock forecast?
On Oct. 16, 2026, BCAL is rated Neutral: its 90-day Alpha forecast sits in the middle 30% of the 5171 stocks scored that day.
How accurate are California Bancorp \ Ca stock predictions?
For BCAL, the Spearman rank correlation between our 90-day forecasts and the returns that followed is -21.0%, measured on 310 forecast dates between 2023-06-23 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is -11.0%, measured on 353 forecast dates between 2023-06-23 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are California Bancorp \ Ca forecasts updated?
California Bancorp \ Ca forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are California Bancorp \ Ca's industry peers?
60 issuers in our coverage, BCAL included, share the SEC industry code National Commercial Banks. The largest are: Jpmorgan Chase & Co (JPM), Bank Of America Corp /De/ (BAC), Wells Fargo & Company/Mn (WFC), Citigroup Inc (C), Ubs Group Ag (UBS), Mizuho Financial Group Inc (MFG).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.