BCAL (California BanCorp) E10: $0.27 (As of Jun. 2026)

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BCAL California BanCorp BCAL
59 GF Score
Price $21.35
GF Value $16.95
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is California BanCorp E10?

California BanCorp BCAL -0.05% 59 E10 is $0.27 as of Jun. 2026. GuruFocus rates BCAL with a GF Score™ of 59/100 and a GF Value™ of $16.95 (Modestly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

California BanCorp's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.440. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $0.27 for the trailing ten years ended in Jun. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

As of today (2026-08-26), California BanCorp's current stock price is $21.35. California BanCorp's E10 for the quarter that ended in Jun. 2026 was $0.27. California BanCorp's Shiller PE Ratio of today is 79.07.

During the past 13 years, the highest Shiller PE Ratio of California BanCorp was 494.50. The lowest was 76.52. And the median was 134.77.


California BanCorp  (NAS:BCAL) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

California BanCorp's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=21.35/0.27
=79.07

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of California BanCorp was 494.50. The lowest was 76.52. And the median was 134.77.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


California BanCorp E10 Related Terms


California BanCorp E10 Historical Data

* Premium members only.

The historical data trend for California BanCorp's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

California BanCorp E10 Chart

California BanCorp Annual Data
Trend Dec05 Dec06 Dec07 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 -0.15 0.13

California BanCorp Quarterly Data
Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.03 0.04 0.13 0.19 0.27

BCAL vs CWBC, MSBI, RCBC: E10 Comparison

For the Banks - Regional subindustry, California BanCorp's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


California BanCorp Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, California BanCorp's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where California BanCorp's Shiller PE Ratio falls into.


BCAL
59GF Score
California BanCorp BCAL
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

California BanCorp E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, California BanCorp's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.44/333.9520*333.9520
=0.440

Current CPI (Jun. 2026) = 333.9520.

California BanCorp Quarterly Data

per share eps CPI Adj_EPS
200406 0.010 189.700 0.018
200409 0.060 189.900 0.106
200412 0.190 190.300 0.333
200503 -0.150 193.300 -0.259
200506 -0.130 194.500 -0.223
200509 -0.158 198.800 -0.265
200512 -0.156 196.800 -0.265
200603 -0.433 199.800 -0.724
200606 -0.514 202.900 -0.846
200609 -0.227 202.900 -0.374
200612 -0.727 201.800 -1.203
200703 0.001 205.352 0.002
200706 0.004 208.352 0.006
200709 -0.015 208.490 -0.024
200712 -0.089 210.036 -0.142
201909 0.200 256.759 0.260
201912 0.190 256.974 0.247
202003 0.200 258.115 0.259
202009 0.240 260.280 0.308
202012 -0.200 260.474 -0.256
202103 0.100 264.877 0.126
202112 0.000 278.802 0.000
202203 0.080 287.504 0.093
202206 -0.040 296.311 -0.045
202209 0.380 296.808 0.428
202212 0.460 296.797 0.518
202303 0.440 301.836 0.487
202306 0.360 305.109 0.394
202309 0.350 307.789 0.380
202312 0.240 306.746 0.261
202403 0.260 312.332 0.278
202406 0.010 314.175 0.011
202409 -0.590 315.301 -0.625
202412 0.510 315.605 0.540
202503 0.520 319.799 0.543
202506 0.430 322.561 0.445
202509 0.480 324.800 0.494
202512 0.500 324.054 0.515
202603 0.420 330.213 0.425
202606 0.440 333.952 0.440

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $0.27 mean?
California BanCorp (BCAL) has a E10 of $0.27 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on California BanCorp and its competitors.
Is California BanCorp's E10 too high?
California BanCorp's current E10 is $0.27. Overall, California BanCorp has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's E10 compare to CWBC and MSBI?
California BanCorp's E10 of $0.27 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on California BanCorp and its competitors. California BanCorp's current E10 is $0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is California BanCorp stock overvalued right now?
Based on GuruFocus' analysis, California BanCorp (BCAL) is currently considered Modestly Overvalued. The stock's GF Value™ is $16.95, compared to a current price of $21.35 — trading 26% above its estimated fair value. The current E10 is $0.27. California BanCorp's overall GF Score™ is 59/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For California BanCorp (BCAL), the current E10 is $0.27 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is California BanCorp (BCAL) Overvalued in 2026?

Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued. The current stock price of $21.35 is trading 26% above its estimated GF Value™ of $16.95. GuruFocus considers California BanCorp to be Modestly Overvalued.

Key valuation signals for BCAL:

  • E10: $0.27
  • GF Value™: $16.95 vs. price of $21.35 (26% above fair value)
  • GF Score™: 59/100 with 6 warning signs

No single metric tells the full story. See the BCAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


California BanCorp Business Description

Address 12265 El Camino Real, Suite 210, San Diego, CA, USA, 92130
California BanCorp is a relationship-focused community bank offering commercial loan and deposit products, along with other services delivered directly or through strategic alliances, to business and individual customers in its target markets. The Company provides financial products and services to individuals, professionals, and small to medium-sized businesses through its branch and commercial banking offices serving California. Its lending products consist mainly of construction and land development loans, real estate loans, C&I loans, and consumer loans, and it is a Preferred SBA Lender, while its deposit products consist mainly of demand deposit, money market, and certificates of deposit. The Company operates in one reportable segment, commercial banking.
59GF Score

Get the complete analysis for BCAL

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$21.35
Price
$16.95
GF Value