California BanCorp (FRA:KZ9) E10: €0.16 (As of Mar. 2026)


FRA:KZ9 California BanCorp FRA:KZ9
59 GF Score
Price €17.10
GF Value €13.44
! 5 Warning Signs
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What is California BanCorp E10?

California BanCorp FRA:KZ9 -0.58% 59 E10 is €0.16 as of Mar. 2026. GuruFocus rates FRA:KZ9 with a GF Score™ of 59/100 and a GF Value™ of €13.44. The stock has 5 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 Mar. 2026 was €0.363. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €0.16 for the trailing ten years ended in Mar. 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 (2026-07-01), California BanCorp's current stock price is €17.10. California BanCorp's E10 for the quarter that ended in Mar. 2026 was €0.16. California BanCorp's Shiller PE Ratio of today is 106.88.

During the past 13 years, the highest Shiller PE Ratio of California BanCorp was 494.50. The lowest was 93.47. And the median was 140.62.


California BanCorp  (FRA:KZ9) 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
=17.10/0.16
=106.88

* 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 93.47. And the median was 140.62.


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 -0.14 0.11

California BanCorp Quarterly Data
Dec20 Mar21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
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 -0.08 -0.02 0.03 0.11 0.16

FRA:KZ9 vs PFIS, THVB, TCBX: 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.


FRA:KZ9
59GF Score
California BanCorp FRA:KZ9
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 Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.363/330.2130*330.2130
=0.363

Current CPI (Mar. 2026) = 330.2130.

California BanCorp Quarterly Data

per share eps CPI Adj_EPS
200403 -0.139 187.400 -0.245
200406 0.008 189.700 0.014
200409 0.049 189.900 0.085
200412 0.142 190.300 0.246
200503 -0.114 193.300 -0.195
200506 -0.107 194.500 -0.182
200509 -0.129 198.800 -0.214
200512 -0.132 196.800 -0.221
200603 -0.359 199.800 -0.593
200606 -0.406 202.900 -0.661
200609 -0.179 202.900 -0.291
200612 -0.550 201.800 -0.900
200703 0.001 205.352 0.002
200706 0.003 208.352 0.005
200709 -0.011 208.490 -0.017
200712 -0.061 210.036 -0.096
201909 0.182 256.759 0.234
201912 0.171 256.974 0.220
202003 0.181 258.115 0.232
202009 0.204 260.280 0.259
202012 -0.164 260.474 -0.208
202103 0.084 264.877 0.105
202112 0.000 278.802 0.000
202203 0.073 287.504 0.084
202206 -0.038 296.311 -0.042
202209 0.384 296.808 0.427
202212 0.434 296.797 0.483
202303 0.411 301.836 0.450
202306 0.332 305.109 0.359
202309 0.328 307.789 0.352
202312 0.220 306.746 0.237
202403 0.239 312.332 0.253
202406 0.009 314.175 0.009
202409 -0.532 315.301 -0.557
202412 0.487 315.605 0.510
202503 0.481 319.799 0.497
202506 0.373 322.561 0.382
202509 0.409 324.800 0.416
202512 0.427 324.054 0.435
202603 0.363 330.213 0.363

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 €0.16 mean?
California BanCorp (FRA:KZ9) has a E10 of €0.16 as of Mar. 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 €0.16. Overall, California BanCorp has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does California BanCorp's E10 compare to PFIS and THVB?
California BanCorp's E10 of €0.16 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 €0.16. 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?
California BanCorp (FRA:KZ9) has a current E10 of €0.16. The stock's GF Value™ is €13.44, compared to a current price of €17.10 — trading 27.2% above its estimated fair value. The current E10 is €0.16. California BanCorp's overall GF Score™ is 59/100 with 5 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 (FRA:KZ9), the current E10 is €0.16 as of Mar. 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 (FRA:KZ9) Overvalued in 2026?

Based on GuruFocus' analysis, California BanCorp stock appears to be overvalued. The current stock price of €17.10 is trading 27.2% above its estimated GF Value™ of €13.44.

Key valuation signals for FRA:KZ9:

  • E10: €0.16
  • GF Value™: €13.44 vs. price of €17.10 (27.2% above fair value)
  • GF Score™: 59/100 with 5 warning signs

No single metric tells the full story. See the FRA:KZ9 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


California BanCorp Business Description

Other Exchanges BCAL:USA
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 FRA:KZ9

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

€17.10
Price
€13.44
GF Value