Obermatt

California Bancorp

NAQ:BCAL · US84252A1060
BanksSmall

360

82
Profit price69
Cash yield43
Price/Sales28
EV / Gross Profit93
Price/Book74
Returns on capital68
Profit margins
Cash Conversion42
Accruals51
Owner Earnings Margin84
Sales growth16
Profit Growth26
Owner Earnings Growth91
Reinvestment70
Price momentum63
Debt load90
Debt serviceability26
Liquidity95
Analyst ratings91
Opinion Changes50
Price Target Upside76
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

California Bancorp generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQCM
Founded2019
Employees58
ISINUS84252A1060
Last UpdateApr 2, 2026
Themes
BankingCommercialFinance

Description

California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides a range of financial products and services to individuals, professionals, and small to medium-sized businesses. The bank has a wholly-owned s…

Analysis

Quality compounder

California BanCorp earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 9.8×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
45
2026

All-time high

50

Mar 2026

All-time low

45

Jun 2026

Average rank

48

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
28
Price/Earnings
27
Price/Book
74
Dividend Yield
43
Value (overall)
31

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →