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BCAL
Volume: 129.93K

BCAL Stock Forecast & Price Target

BCAL Analyst Ratings

Based on 3 analyst ratings
Buy
Strong Buy 33%
Buy 33%
Hold 33%
Sell 0%
Strong Sell 0%

Bulls say

California BanCorp has demonstrated a significantly improved credit profile, with classified loans decreasing by 27% quarter-over-quarter, indicating enhanced asset quality and risk management. The company is positioned for potential deposit growth beginning in the fourth quarter of 2023, aligning with anticipated increases in loan growth through 2026, which could further strengthen its financial position. Additionally, California BanCorp's core net interest margin has expanded slightly to 4.04%, reflecting effective interest rate management and potential for increased profitability.

Bears say

The analysis indicates a negative outlook on California BanCorp's stock primarily due to a notable decrease in loan yields, which fell by 3 basis points to 6.58%. Additionally, the bank experienced a significant decline in held-for-investment (HFI) loans, decreasing by $77.2 million or 10.1% on a last quarter annualized (LQA) basis, which was contrary to projections predicting a 2.0% growth. The combination of these factors, including a margin miss and a smaller-than-expected balance sheet, resulted in a modest top-line net interest income (NII) of $41.4 million, further stressing financial performance.

BCAL has been analyzed by 3 analysts, with a consensus rating of Buy. 33% of analysts recommend a Strong Buy, 33% recommend Buy, 33% suggest Holding, 0% advise Selling, and 0% predict a Strong Sell.

This aggregate rating is based on analysts' research of Southern California Bancorp and is not a guaranteed prediction by Public.com or investment advice.

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FAQs About Southern California Bancorp (BCAL) Forecast

Analysts have given BCAL a Buy based on their latest research and market trends.

According to 3 analysts, BCAL has a Buy consensus rating as of Dec 24, 2025. This rating is provided by third-party analysts and is not investment advice from Public.com.

Wall Street analysts have set a price target of $20, reflecting a 0.00% increase from the current stock price.

Financial analysts have set a price target of $20, indicating a 0.00% increase from the current stock price, but ratings and forecasts are frequently updated based on market conditions, earnings reports, and industry trends. This prediction is provided by third-party analysts and is not investment advice from Public.com.

Southern California Bancorp (BCAL)

Volume: 129.93K

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