It has been quite a year for California BanCorp. ( BCAL ) shareholders. From the start of this year through the second week of April, the company's stock dropped 25%. From that April lowI have been involved in the financial world for over 20 years with experience as an advisor, teacher, and writer. I am a full believer in the free-market system and that financial markets are efficient with most stocks reflecting their real current value. The best opportunities for profits on individual stocks come from stoc ...