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California BanCorp (BCAL) — RQD Stock Rating Cockpit

$21.44 -0.46% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot)

California BanCorp (BCAL) carries a Roarable Rating of C (Hold) with 65/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $689.3M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+3.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BCAL)Realized 20D OHLCV Swing Band: ±4.2%

RSI-14 MOMENTUMNEUTRAL RANGE

4630 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCOREWEAK QUALITY (1–4)

4 / 99-Pt Accounting

52-WEEK LASER RANGE82% OF RANGE

L: $17$21.44H: $22

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: D+RQD 11 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 25 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

JEV AI Jury Split (Battleground) on BCAL

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

NEUTRAL (55)

10.9% ROIC with 42.0% gross margin and 8.26% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 4/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (68)

25/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like BCAL

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (BCAL Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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BCAL // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +14.71%🛡️ HOLDING TREND SUPPORT

2026-10-30O $21.66H $21.67L $21.41C $21.44VOL 157.1K

RES: $22.77SUP: $21.20SMA50: $21.61SMA200: $19.87

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BCAL Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BCAL Butterfly Map → + Track BCAL →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

0.6%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BCAL today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BCAL. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BCAL today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BCAL)

Financials Rank #324 of 1096 ⚔️ BHB vs BCAL Full Matrix →

1. Head-to-Head Financials Peer Comparison (BCAL vs. BHB, CBNK, MSBI, RRBI)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, California BanCorp (BCAL) ranks #324 by composite RQD confidence (65/100, grade C) and #629 by equity capitalization ($689.3M). Within this direct 5-issuer industry benchmark cohort, BCAL leads on earnings valuation at 10.9x trailing P/E, while CBNK leads on capital efficiency and profitability with 14.2% ROIC and — gross margin. CBNK currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with BCAL at 65/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BCAL ACTIVE California BanCorp	C	65/100	10.9x	—	10.9%	-0.46%	$689.3M	Benchmark Subject
BHB Bar Harbor Bankshares Inc.	C-	60/100	18.6x	—	6.9%	+0.86%	$686.1M	/bhb-vs-bcal →
CBNK Capital Bancorp Inc.	C+	66/100	12.0x	—	14.2%	+1.16%	$683.7M	/cbnk-vs-bcal →
MSBI Midland States Bancorp Inc.	D	48/100	—	—	-22.0%	-1.23%	$702.0M	/msbi-vs-bcal →
RRBI Red River Bancshares Inc.	C	63/100	15.7x	—	11.7%	+0.69%	$672.2M	/rrbi-vs-bcal →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001795815

In its most recent audited fiscal period (FY2025, filed 2025-12-31), California BanCorp (BCAL) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $63.1M, operating cash flow of $57.3M, and free cash flow of $56.9M (+14.5% YoY). On the balance sheet, BCAL closed FY2025 with $4.03B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 4/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$63.1M	$57.3M	$56.9M	$4.03B	—
FY2024 (FY)	2024-12-31	$0	$5.4M	$50.3M	$49.7M	$4.03B	—
FY2023 (FY)	2023-12-31	$0	$25.9M	$33.1M	$33.1M	—	—

3. BCAL Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BCAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, California BanCorp (NASDAQ: BCAL) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 65/100 at a spot price of $21.44 (-0.46% 1D, market cap $689.3M). Pillar breakdown: Fundamental Cash Engine 11/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BCAL ranks #324 in composite RQD confidence.

How does BCAL compare to BHB and CBNK in the Financials sector?

Within the Financials sector (Major Banks), BCAL carries a Roarable C (65/100 RQD), trailing P/E of 10.9x, gross margin of —, and ROIC of 10.9%. By comparison, BHB (Bar Harbor Bankshares Inc.) holds a C- grade (60/100 RQD, P/E 18.6x, ROIC 6.9%, cap $686.1M) and CBNK (Capital Bancorp Inc.) posts a C+ grade (66/100 RQD, P/E 12.0x, ROIC 14.2%, cap $683.7M). Among the 5-stock peer group, BCAL leads on earnings multiple (10.9x) while CBNK leads on capital efficiency (14.2% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BCAL?

Per BCAL's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001795815), California BanCorp generated $0 in revenue, $63.1M in net income, and $56.9M in free cash flow against $4.03B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BCAL trading relative to its 50-day, 200-day, and 52-week technical levels?

BCAL last traded at $21.44 (-0.46% on volume of 182,954 shares), positioning the stock -0.79% below its 50-day simple moving average ($21.61) and +7.90% above its 200-day simple moving average ($19.87). Across its 52-week range of $16.87 to $22.41, BCAL sits at the 82.5% percentile with a 14-day RSI of 46.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.2% ($20.54 to $22.34).

BCAL Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell BCAL stock right now?

California BanCorp (BCAL) currently earns a Roarable Rating of C (Hold — HOLD) with 65/100 RQD Confidence. Solid steady margins (11% return on capital), mixed timing at 11x P/E—hold if owned, no rush to chase.

What is BCAL's 12-month price target and RQD AI Jury consensus?

BCAL's 12-month base price target is $22.12 (range $17.25 to $26.1), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: BCAL RQD Cockpit BCAL 12M Forecast BCAL Earnings & Move BCAL Dividends & DRIP BCAL Insiders & 13F BCAL Whale Options BCAL Profit Sankey BCAL News & Why