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California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.
Southern California Bancorp appears to operate as a regional community bank offering deposit-taking and commercial and consumer lending in Southern California. Long-term growth drivers may include local loan and deposit growth, net interest margin trends and regional economic activity; investors may find the company attractive for exposure to a locally focused banking franchise.
Material risks include loan-credit deterioration, sensitivity to interest-rate and deposit-cost volatility, and competitive or regulatory pressures that could constrain profitability and capital.
Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 87.96M | 8.26M | 36.86M | - | - |
| Net income | 63.06M | 5.43M | 25.91M | - | - |
| Selling general administrative | 70.89M | 51.26M | 40.10M | - | - |
| Gross profit | 184.93M | 106.07M | 96.60M | - | - |
| Reconciled depreciation | 5.62M | 3.64M | 1.92M | - | - |
| Ebit | - | 8.26M | 36.86M | - | - |
| Ebitda | 87.96M | 11.90M | 38.77M | - | - |
| Depreciation and amortization | - | 3.64M | 1.92M | - | - |
| Operating income | 87.96M | 8.26M | 36.86M | - | - |
| Other operating expenses | 145.04M | 176.31M | 90.05M | 5.46M | 3.90M |
| Interest expense | 56.89M | 56.81M | 29.38M | - | 0.00M |
| Tax provision | 24.90M | 2.83M | 10.95M | - | - |
| Interest income | 225.98M | 179.80M | 123.52M | - | - |
| Net interest income | 169.09M | 122.98M | 94.14M | - | - |
| Income tax expense | 24.90M | 2.83M | 10.95M | 5.87M | 3.48M |
| Total revenue | 233.00M | 184.58M | 126.90M | - | - |
| Total operating expenses | 96.97M | 97.81M | 59.75M | - | - |
| Cost of revenue | 48.06M | 78.50M | 30.30M | - | - |
| Total other income expense net | - | -16.39M | -1.92M | - | - |
| Net income from continuing ops | 63.06M | 5.43M | 25.91M | - | - |
| Net income applicable to common shares | - | - | - | - | 10.71M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 4033.39M | 4031.65M | 2366.21M | - | - |
| Intangible assets | 18.48M | 22.27M | 1.20M | - | - |
| Other current assets | - | - | 93.98M | 15.89M | 4.14M |
| Total liab | 3456.80M | 3519.82M | 2078.06M | - | - |
| Total stockholder equity | 576.59M | 511.84M | 288.15M | - | - |
| Other current liab | 1178.26M | 3398.76M | 1289.10M | - | - |
| Common stock | 442.39M | 442.47M | 222.04M | - | 214.16M |
| Capital stock | 442.39M | 442.47M | 222.04M | - | - |
| Retained earnings | 135.81M | 76.01M | 70.58M | - | 32.40M |
| Other liab | - | - | - | 12.63M | 10.76M |
| Good will | 110.93M | 111.79M | 37.80M | - | - |
| Other assets | 3570.92M | 3639.73M | - | 1945.19M | 1546.42M |
| Cash | 52.01M | 60.47M | 33.01M | - | - |
| Total current liabilities | 1178.26M | 3398.76M | 1376.83M | 1984.88M | 1973.16M |
| Net debt | 19.69M | 27.56M | 81.97M | - | - |
| Short term debt | - | 5.11M | 87.73M | - | - |
| Short long term debt total | 71.70M | 88.03M | 114.98M | - | - |
| Other stockholder equity | - | - | - | - | -0.04M |
| Property plant equipment | - | - | - | - | 27.71M |
| Total current assets | 286.90M | 202.47M | 93.98M | 102.66M | 584.14M |
| Long term investments | 287.83M | 195.28M | 183.65M | - | - |
| Net tangible assets | - | - | - | 220.97M | 207.72M |
| Short term investments | 234.89M | 142.00M | 130.03M | - | - |
| Long term debt | 33.83M | 69.72M | 102.86M | - | - |
| Accounts payable | - | - | - | - | 1973.10M |
| Accumulated other comprehensive income | -1.62M | -6.64M | -4.46M | - | - |
| Non currrent assets other | -10.10M | 464.97M | 2168.17M | - | - |
| Non current assets total | 175.56M | 3829.18M | 2272.23M | - | - |
| Capital lease obligations | 18.94M | 18.31M | 12.12M | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -84.65M | 524.65M | -78.93M | -121.65M | -17.60M |
| Change to liabilities | - | - | - | 0.00M | 0.00M |
| Total cashflows from investing activities | 29.75M | 524.65M | -78.93M | - | 8.52M |
| Net borrowings | -38.00M | -85.00M | 35.00M | - | -213.93M |
| Total cash from financing activities | -75.29M | -273.58M | 45.86M | 6.10M | 301.01M |
| Change to operating activities | - | - | - | - | 9.03M |
| Net income | 63.06M | 5.43M | 25.91M | 16.11M | 10.71M |
| Change in cash | 11.75M | 301.37M | 0.03M | -493.25M | 329.19M |
| Begin period cash flow | 388.16M | 86.79M | 86.76M | - | - |
| End period cash flow | 399.91M | 388.16M | 86.79M | - | - |
| Total cash from operating activities | 57.29M | 50.29M | 33.10M | - | 19.65M |
| Depreciation | 5.62M | 3.64M | 1.92M | - | 2.01M |
| Other cashflows from investing activities | 12.45M | 166.72M | -59.28M | - | -12.51M |
| Dividends paid | 3.25M | 0.00M | 11.49M | - | - |
| Sale purchase of stock | -6.03M | -1.97M | -0.89M | - | - |
| Other cashflows from financing activities | -28.14M | -186.61M | 11.75M | - | 518.45M |
| Change to netincome | - | - | - | -3.72M | -2.09M |
| Capital expenditures | 0.35M | 0.55M | 0.30M | 0.00M | 1.75M |
| Change in working capital | 4.29M | 20.71M | -1.79M | - | - |
| Stock based compensation | 5.82M | 6.24M | 4.52M | - | - |
| Other non cash items | -10.06M | 14.70M | 2.13M | - | - |
| Free cash flow | 56.94M | 49.74M | 32.80M | - | - |
Sector: Financial Services Industry: Banks - Regional
|
Stock Name
|
Change
(USD) |
Price
(USD) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
|---|---|---|---|---|---|---|---|
| BCAL Southern California Bancorp |
-0.70 3.21% |
21.25 | 9.72 | - | 3.21 | 1.05 | 3.65 |
| DBSDY DBS Group Holdings Ltd ADR |
-0.58 0.25% |
230.45 | 20.00 | 17.57 | 7.54 | 3.17 | 13.19 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% |
6.66 | 7.70 | 7.10 | 0.55 | 0.83 | 3.51 |
| CIHKY China Merchants Bank Co Ltd |
-0.47 1.40% |
33.11 | 7.79 | 7.20 | 0.55 | 0.85 | 3.51 |
| UNCFF UniCredit SpA |
- -% |
84.14 | 11.53 | 10.27 | 5.72 | 1.83 | 8.22 |
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
12265 El Camino Real, San Diego, CA, United States, 92130
844 265 7622
288
| Name | Title | Year Born |
|---|---|---|
| Mr. David I. Rainer | CEO & Chairman | 1957 |
| Mr. Richard Hernandez | Pres | NA |
| Mr. Thomas G. Dolan | Exec. VP & COO | 1960 |
| Ms. Pamela C. Isaacson | COO & Exec. VP | NA |
| Joann Yeung | Sr. VP, Chief Accounting Officer & Director of Financial Reporting | NA |
| Mr. Jeffery T. Hurtik | Exec. VP & Chief Information Officer | NA |
| Mr. Christopher D. Maggio | Sr. VP & Credit Team Mang. | NA |
| Mr. Martin Liska | Exec. VP & Chief Risk Officer | NA |
| Ms. Anne A. Williams | Exec. VP & Chief Credit Officer | 1958 |
| Ms. Nicole Swain | Exec. VP & Pres of Private Banking | NA |
Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
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