Profitability
Weight: 25%
C-
48
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 56.1%
- Efficiency Ratio Trend +6.09 pp/yr
BCAL
California BanCorp
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
F
27
- 5yr Avg ROE 6.3%
- 5yr Share-Count CAGR 27.6%
Growth Quality
Weight: 15%
B-
65
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 34.3%
- Efficiency Ratio Trend (growth quality check) +6.09 pp/yr
- Revenue-Growth Years (5) 5/5
Cash Generation
Weight: 15%
F
0
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.27
Balance Sheet
Weight: 20%
A
93
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 14.3%
Stability
Weight: 10%
C+
59
- EPS Volatility (σ/μ) 0.58
- Negative-Revenue Years (5) 0/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.1 of 2 gurus held; 1 trimmed; 1 full exit.
- Holders
- 1 -1
- Avg Δ position
- -6.4%
- New buys
- 0
- Full exits
- 1