Stock Ratings / Financials / BCAL / insiders

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California BanCorp (BCAL) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$21.44 -0.46% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $21.38

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.

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $689.3M

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

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BCAL Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BCAL stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BCAL compare to BHB and CBNK in the Financials sector?

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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).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BCAL?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $21.38 (-0.27%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 11/20 (D+) • 1.4% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 65/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.3% avg 90D alpha vs SPY • 55.6% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

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%

Deterministic 5-Pillar Attribution (65/100 Composite)

🔍 WHY BCAL SCORES 65/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+16/20 pts (25% of score)

FRED Regime × Technicals: 82% of 52W Range • RSI-14 at 46 (NEUTRAL RANGE)

▲ #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (25% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$21.23+2.5% Next Q

Q2 (-2Q)

Grade C$21.76+1.3% Next Q

Q3 (-1Q)

Grade C+$22.04-2.7% Next Q

Current

Grade C$21.44+1.3% Hist 90D α

Trajectory: C (57) → C (65)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BCAL Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 65/100 (C) score, BCAL faces multiple-compression risk if 10.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

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

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($21.61) or 200D SMA ($19.87) invalidates the momentum regime and cuts Target Base ($22.12) toward Bear Floor ($17.25).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BCAL• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BCAL Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 65%NO 35%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

BCAL Smart-Money Thermometer: HEAVY INSIDER & 13F ACCUMULATION

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (BCAL)

No recent open-market Form 4 cluster sales or emergency dumps flagged on BCAL. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

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?

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

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

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

Are BCAL insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies BCAL leadership and institutional positioning as: HEAVY INSIDER & 13F ACCUMULATION.

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