California BanCorpBCAL +0.78%59 EV-to-FCF is 11.33 as of Jul. 11, 2026, which is 6% above its 10-year median of 10.69. GuruFocus rates BCAL with a GF Score™ of 59/100 and a GF Value™ of $16.39 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,193 Banks companies, California BanCorp ranks worse than 66.64% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, California BanCorp's Enterprise Value is $661.5 Mil.
California BanCorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $58.4 Mil. Therefore, California BanCorp's EV-to-FCF for today is 11.33.
The historical rank and industry rank for California BanCorp's EV-to-FCF or its related term are showing as below:
BCAL'
s EV-to-FCF Range Over the Past 10 Years
Min: -75.54 Med: 10.69 Max: 91.12
Current: 11.33
During the past 13 years, the highest EV-to-FCF of California BanCorp was 91.12. The lowest was -75.54. And the median was 10.69.
BCAL's EV-to-FCF is ranked worse than 66.64% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs BCAL: 11.33
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
California BanCorp (NAS:BCAL) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
California BanCorp's PE Ratio (TTM) for today is calculated as:
California BanCorp's share price for today is $20.66.
California BanCorp's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.830.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
California BanCorp EV-to-FCF Related Terms
California BanCorp EV-to-FCF Historical Data
* Premium members only.
The historical data trend for California BanCorp's EV-to-FCF 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.
For the Banks - Regional subindustry, California BanCorp's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, California BanCorp's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where California BanCorp's EV-to-FCF falls into.
California BanCorp's current Enterprise Value is $661.5 Mil.
California BanCorp's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $58.4 Mil.
* 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 (BCAL) has a EV-to-FCF of 11.33 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on California BanCorp and its competitors. This is near median its historical median of 10.69. According to the industry distribution chart, California BanCorp ranks #795 out of 1193 companies in the Banks industry, placing it in the top 66.6%.
Is California BanCorp's EV-to-FCF too high?
California BanCorp's current EV-to-FCF of 11.33 is near median its 10-year median of 10.69. The Banks industry median EV-to-FCF is 6.57. California BanCorp's value of 11.33 is 72.5% above this industry median. Based on the distribution chart, California BanCorp ranks #795 out of 1193 companies in the Banks industry, which is below the industry midpoint. 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 EV-to-FCF compare to PFIS and THVB?
According to the Banks industry distribution chart, California BanCorp ranks #795 out of 1193 companies for EV-to-FCF. This places California BanCorp in the lower half of its industry. The industry median EV-to-FCF is 6.57. California BanCorp's value of 11.33 is 72.5% above this benchmark. While the company's 10-year median is 10.69 vs. the industry median of 6.57, California BanCorp has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. California BanCorp's current EV-to-FCF of 11.33 is 72.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on California BanCorp and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. California BanCorp's current EV-to-FCF is 11.33, which is near median its own 10-year median of 10.69. 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 $16.39, compared to a current price of $20.66 — trading 26.1% above its estimated fair value. The current EV-to-FCF is 11.33, which is near median its 10-year median of 10.69 and 72.5% above the Banks industry median of 6.57. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For California BanCorp (BCAL), the current EV-to-FCF is 11.33 as of Jul. 11, 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 $20.66 is trading 26.1% above its estimated GF Value™ of $16.39.
GuruFocus considers California BanCorp to be Modestly Overvalued.
Key valuation signals for BCAL:
EV-to-FCF: 11.33 (near median its 10-year median of 10.69)
GF Value™: $16.39 vs. price of $20.66 (26.1% above fair value)
Industry Position: 72.5% above the Banks median (#795 of 1193)
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 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
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