California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, ...
California BanCorp, formerly known as Southern California Bancorp, is a financial holding company headquartered in San Diego, California. It operates through its wholly-owned subsidiary, California Bank of Commerce, N.A., a national bank regulated by the Office of the Comptroller of the Currency. Founded in 2001, the company offers a range ...California BanCorp, formerly known as Southern California Bancorp, is a financial holding company headquartered in San Diego, California. It operates through its wholly-owned subsidiary, California Bank of Commerce, N.A., a national bank regulated by the Office of the Comptroller of the Currency. Founded in 2001, the company offers a range of financial products and services tailored to the needs of small- to medium-sized businesses, business owners, professionals, and individuals. Its deposit products include checking accounts, savings accounts, money market accounts, and certificates of deposit. On the lending side, the bank provides commercial and industrial loans, construction and land development loans, small business administration (SBA) loans, consumer loans, and a variety of commercial real estate loans, including owner-occupied and non-owner-occupied CRE loans, as well as residential and multifamily loans. Additional services include treasury management, merchant services, escrow and sub-accounting solutions, cash vault services, sweep accounts, remote deposit capture, online and mobile banking, ACH origination, courier services, and lockbox processing. The bank serves diverse sectors such as manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractors, and non-profit organizations. As of the latest data, the company has a market capitalization of approximately $683.5 million, with a stock price of $21.25. Its financial performance reflects a return on equity of 10.4% and a net profit margin of 26%. The company has 288 full-time employees and is led by CEO David I. Rainer, who was appointed in January 2026 following the retirement of Steven Shelton. California BanCorp focuses on building long-term relationships with its clients, offering personalized service and local decision-making, while maintaining a strong capital position and a diversified loan portfolio. The company is listed on NASDAQ under the ticker symbol BCAL and continues to expand its footprint in the California banking market.
YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength.
QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes.
RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three).
$237.1M
+28.4%
+0.8%
Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day.
$63.1M
+1060.6%
+3.7%
Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials.
+79.7%
+38.7%
-2.0%
Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on).
+37.1%
+728.8%
+3.1%
Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales.
+26.6%
+803.7%
+2.9%
Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock.
$56.9M
+14.5%
+72.3%
FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine.
+24.0%
-10.9%
+70.9%
Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe.
12.4%
-27.7%
-2.3%
Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking.
0.24x
+308.7%
+3.6%
Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground.