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BCAL Dividend DRIP Calculator 2026
1.44% YieldFinancial ServicesCalifornia BanCorp · NASDAQ
Price: $20.87 · Annual div: $0.30/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Portfolio growth: DRIP vs No DRIP
Annual dividend income growth
💡 What-if scenarios
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🎯 When BCAL pays your bills
Year your monthly dividend income covers each expense (based on current settings)
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$10,000 in BCAL → $111.1K in 10 years · $12.56/month
About California BanCorp (BCAL) — Dividend Analysis 2026
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
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This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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🌍 BCAL Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold BCAL.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 1.44% | -1.36% | $144 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 1.22% | -1.58% | $122 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 1.15% | -1.65% | $115 / yr |
| 🇬🇧 UK ISA | 0% | 1.44% | -1.36% | $144 / yr |
| 🇬🇧 UK Taxable | 8.75% | 1.31% | -1.49% | $131 / yr |
| 🇨🇦 TFSA | 0% | 1.44% | -1.36% | $144 / yr |
| 🇨🇦 CA Taxable | 25% | 1.08% | -1.72% | $108 / yr |
| 🇦🇺 Super (pension) | 15% | 1.22% | -1.58% | $122 / yr |
| 🇦🇺 AU Taxable | 30% | 1.01% | -1.79% | $101 / yr |
| 🇩🇪 DE Taxable | 26.375% | 1.06% | -1.74% | $106 / yr |
| 🇫🇷 FR Taxable | 30% | 1.01% | -1.79% | $101 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 BCAL Income Goal & Break-Even
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $0.30/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 BCAL Dividend Payment Schedule
BCAL pays quarterly — 4 times per year. Next ex-div: TBD.
📊 BCAL vs Financial Services Benchmarks
How BCAL compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for BCAL sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ BCAL Insider Activity
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| F-InKind | 2026-06-21 | 93 | $19.74 | $1.8K | ||
| F-InKind | 2026-06-08 | 1,185 | $19.39 | $23.0K | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| J-Other | 2026-01-16 | 13.35 | $18.89 | $252.00 | ||
| A-Award | 2026-06-01 | 3,196 | — | — | ||
| J-Other | 2026-01-16 | 25.82 | $18.89 | $488.00 |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst Price Target
Wall Street consensusAnalyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Financial Health Scores
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the BCAL dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
California BanCorp (BCAL) is currently trading at $20.87, trading near its 52-week high. The current dividend yield is 1.44% based on an annual payout of $0.30 per share.
BCAL (California BanCorp) — 1.44% Dividend Yield Analysis
California BanCorp (BCAL) is a financial services stock currently trading at $20.86 with a dividend yield of 1.44%. The company pays an annual dividend of $0.30 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings.
- Dividend payments are not guaranteed and can be reduced or suspended at any time.
Auto-generated from live market data. For educational purposes only — not financial advice.