7 Undervalued Banks Stocks for Tuesday, October 27
Discover the top 7 undervalued Banks stocks for Tuesday, October 27 based on AAII’s Stock Grades.Michael Rose
A+ Stock Grade Summary:
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COMPANY SUMMARY
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.
Commentary & Analysis
7 Undervalued Banks Stocks for Tuesday, August 18
Discover the top 7 undervalued Banks stocks for Tuesday, August 18 based on AAII’s Stock Grades.Jenna Brashear
Is California BanCorp (BCAL) Overvalued?
We dive into why California BanCorp (BCAL) could be considered overvalued on 2026-08-07, based on AAII’s Value Score and Grade.Jenna Brashear
What You Need to Know About California BanCorp's Q3 Earnings
California BanCorp's fiscal Q3 earnings report was released on Monday, July 27. Let's dive in to see if (BCAL) missed or beat analyst's expectations.Michael Rose
What You Need to Know About California BanCorp's Q2 Earnings
California BanCorp's fiscal Q2 earnings report was released on Tuesday, April 28. Let's dive in to see if (BCAL) missed or beat analyst's expectations.Tudor Pop
Financial Summary
| Share Statistics | BCAL | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $685.1 | $686.1 | 41% |
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| Shares Out (Mil) | 32.4 | 15.0 | 38% |
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| Institutional Ownership | 79.2% | 84.0% | 48% |
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| Float (Mil) | 23.4 | 21.6 | 31% |
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| Beta | 0.34 | 0.47 | 20% |
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| Avg Daily Volume (000s) | 216 | 50 | 47% |
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| Price Change (52-week) |
21.1% | 92.7% | 70% |
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| Growth | BCAL | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 34.0% | 7.6% | 91% |
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| Net Income (5yr) | 68.1% | 11.1% | 97% |
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| EPS (5yr) | 31.5% | 10.0% | 83 |
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| Dividends (5yr) | 0.0% | 3.6% | 64% |
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| Cash Flow (5yr) | (53.7%) | (17.1%) | 6% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | 4 | 4 | 4 | |
| Current EPS | $0.448 | $1.743 | $1.855 | |
| Month Ago EPS | $0.445 | $1.740 | $1.858 | |
| # Rev Up | 1 | 0 | 0 | |
| # Rev Down | 1 | 2 | 1 | |
| Three Months Ago EPS | $0.437 | $1.730 | $1.853 | |
| Year/Year Chg | 1.8% | (9.7%) | 2.1% | |
| Financials | BCAL | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $184 | $187 | 31% |
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| Net Income (TTM) (Mil) | $60 | $53 | 56% |
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| EPS (TTM) | $1.862 | $2.600 | 70% |
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| Operating Cash Flow (TTM) (Mil) | $60 | $34 | 48% |
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| Net Cash Flow (TTM) (Mil) | ($165) | $2 | 11% |
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| Long-Term Debt (Q1) (Mil) | $49 | $97 | 39% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | BCAL | Industry Median |
Percentile (All Stocks) |
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| P/B | 1.17 | 1.26 | 31% |
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| P/E | 11.7 | 12.4 | 25% |
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| Dividend Yield | 2.2% | 2.2% | 78% |
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| PEG (5yr hist) | 0.4 | 1.1 | 17% |
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| Ratios | BCAL | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 32.2% | 29.5% | 90% |
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| ROA | 1.5% | 1.1% | 52% |
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| ROE | 10.6% | 11.4% | 58% |
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| Liabilities to Assets | 85.4% | 89.7% | 79% |
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| F-Score | 5 | 4 | 51% |
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Passing Stock Screens
As of 10/29/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.7% |
| +/- S&P 500: | -0.8 |
