California BanCorp (BCAL) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 16, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 7, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BCAL SEC filings page.
California BanCorp (BCAL) reported $180.2M in revenue over the twelve months to Jun 30, 2026, up 4.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
California BanCorp’s 2025 recovery paired stronger earnings with low reinvestment needs and a materially less debt-dependent balance sheet.
Net income rebounded from$5.4M in FY2024 to$63.1M in FY2025 even as interest expense stayed nearly unchanged at about$57M , so the earnings swing reflects changes elsewhere in the income statement rather than cheaper funding. That recovery lifted the net profit margin from4.3% to35.0% and return on assets from0.1% to1.6% , a major improvement in how the enlarged balance sheet produced earnings.
Operating cash flow of
The balance sheet expanded sharply in FY2024, but FY2025 shows consolidation rather than another borrowing-led expansion: assets were essentially flat, equity rose to
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of California BanCorp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
California BanCorp earned a return on assets of 1.6% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.1% the prior year. Earnings ranks banks on that return over three years, and California BanCorp scores 63/100 among other banks.
California BanCorp reported revenue of $180.2M in fiscal year 2025, against $127.7M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and California BanCorp scores 89/100 among other banks.
California BanCorp funded 14.3% of its assets with shareholders' equity at the end of fiscal year 2025, holding $576.6M of equity against $4.0B of assets. Capital ranks banks on that cushion, and California BanCorp scores 76/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. California BanCorp scores 51/100 on it among other banks.
Not available for California BanCorp, and counted as zero in the overall score.
California BanCorp reported net income of $63.1M in fiscal year 2025, against $5.4M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and California BanCorp scores 25/100 among other banks.
California BanCorp passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, California BanCorp generates $0.91 in operating cash flow ($57.3M OCF vs $63.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
California BanCorp generated $44.9M in revenue in Q2 2026. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 1.5%.
California BanCorp reported $14.3M in net income in Q2 2026. This represents an increase of 1.4% from the same quarter a year earlier. Against the prior quarter it is up 3.7%.
California BanCorp earned $0.44 per diluted share (EPS) in Q2 2026. This represents an increase of 2.3% from the same quarter a year earlier. Against the prior quarter it is up 4.8%.
Not reported for Q2 2026.
Cash & Balance Sheet
California BanCorp generated $14.3M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 6.8% from the same quarter a year earlier. Against the prior quarter it is up 72.3%.
California BanCorp held $265.0M in cash against $34.6M in long-term debt as of Q2 2026.
California BanCorp paid $0.10 per share in dividends in Q2 2026. It is unchanged from the prior quarter.
Margins & Returns
California BanCorp's net profit margin was 31.9% in Q2 2026, showing the share of revenue converted to profit. That is unchanged from the same quarter a year earlier. Against the prior quarter it is up 0.7 percentage points.
California BanCorp's ROE was 2.4% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
California BanCorp spent $2.0M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. Against the prior quarter it is down 73.1%.
California BanCorp invested $516K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 1417.6% from the same quarter a year earlier. Against the prior quarter it is up 118.6%.
Not reported for Q2 2026.
BCAL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $44.9M+1.4% | $44.2M-1.3% | $45.9M+0.8% | $45.2M+18.5% | $44.3M+99.6% | $44.8M+104.6% | $45.5M+102.8% | $38.1M+58.3% |
| SG&A Expenses | $15.5M+1.6% | $16.6M+4.3% | $16.4M+2.1% | $14.7M-4.3% | $15.3M+74.3% | $15.9M+65.1% | $16.1M+67.5% | $15.4M+58.0% |
| Interest Expense | $11.6M-19.4% | $11.7M-19.7% | $13.3M-26.3% | $14.7M-14.6% | $14.4M+32.5% | $14.6M+35.3% | $18.0M+80.0% | $17.2M+109.0% |
| Income Tax | $5.5M-7.2% | $5.3M-22.3% | $6.0M-7.9% | $6.1M+201.1% | $6.0M+6689.8% | $6.8M+193.9% | $6.5M+244.5% | -$6.1M-313.9% |
| Net Income | $14.3M+1.4% | $13.8M-18.2% | $16.4M-2.1% | $15.7M+195.3% | $14.1M+7320.5% | $16.9M+241.5% | $16.8M+280.1% | -$16.5M-351.1% |
| EPS (Basic) | $0.44+2.3% | $0.43-17.3% | $0.51-32.0% | $0.48+181.4% | $0.43+4200.0% | $0.52+92.6% | $0.75+212.5% | -$0.59-263.9% |
| EPS (Diluted) | $0.44+2.3% | $0.42-19.2% | $0.51-32.0% | $0.48+181.4% | $0.43 | $0.52 | $0.75+212.5% | -$0.59-268.6% |
| Diluted Shares (Avg) | 32M-0.9% | 33M-0.1% | N/A | 33M+18.4% | 33M | 33M | N/A | 28M+48.4% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BCAL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.0B+1.8% | $4.0B+1.6% | $4.0B0.0% | $4.1B-6.0% | $4.0B+72.4% | $4.0B+74.0% | $4.0B+70.8% | $4.4B+88.6% |
| Cash & Equivalents | $265.0M-38.4% | $411.1M-6.4% | $399.9M+3.0% | $559.2M-9.0% | $430.1M+310.7% | $439.2M+407.5% | $388.2M+347.2% | $614.4M+545.9% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $110.9M0.0% | $110.9M-0.8% | $110.9M-0.8% | $110.9M-1.4% | $110.9M+193.5% | $111.8M+195.7% | $111.8M+195.7% | $112.5M+197.6% |
| Total Liabilities | $3.4B+1.0% | $3.5B+0.6% | $3.5B-1.8% | $3.5B-8.5% | $3.4B+70.3% | $3.5B+72.8% | $3.5B+69.9% | $3.9B+89.9% |
| Long-Term Debt | $34.6M-34.6% | $34.2M-51.3% | $33.8M-51.5% | $33.4M-51.6% | $52.9M+23.2% | $70.3M+56.6% | $69.7M-32.2% | $69.1M+167.6% |
| Total Equity | $586.6M+7.1% | $577.8M+8.7% | $576.6M+12.7% | $564.7M+13.4% | $547.6M+86.8% | $531.4M+81.7% | $511.8M+77.6% | $498.1M+78.8% |
| Retained Earnings | $157.4M+47.2% | $146.4M+57.6% | $135.8M+78.7% | $122.6M+107.0% | $107.0M+41.3% | $92.9M+23.0% | $76.0M+7.7% | $59.2M-10.5% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.
BCAL Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.8M+10.4% | $8.5M+22.2% | $20.9M-11.5% | $16.0M-12.7% | $13.4M+4243.7% | $7.0M-13.3% | $23.6M+380.1% | $18.3M+64.6% |
| Depreciation & Amortization | $1.1M-19.0% | $1.2M-21.4% | $1.3M-15.8% | $1.4M+17.1% | $1.4M+225.2% | $1.5M+243.4% | $1.6M+265.1% | $1.2M+133.9% |
| Stock-Based Compensation | N/A | $1.4M-8.0% | N/A | N/A | N/A | $1.5M+65.4% | N/A | N/A |
| Capital Expenditures | $516K+1417.6% | $236K+124.8% | $99K-30.3% | $108K-41.0% | $34K-75.4% | $105K+18.0% | $142K+125.4% | $183K+315.9% |
| Free Cash Flow | $14.3M+6.8% | $8.3M+20.7% | $20.8M-11.4% | $15.9M-12.4% | $13.4M+7729.2% | $6.9M-13.6% | $23.5M+376.4% | $18.1M+63.6% |
| Investing Cash Flow | -$121.3M-570.4% | -$8.5M-108.3% | -$84.8M-191.2% | -$12.6M-103.6% | $25.8M+75.6% | $101.3M+62.1% | $92.9M+356.5% | $354.5M+2248.3% |
| Financing Cash Flow | -$39.7M+17.8% | $11.2M+119.5% | -$95.4M+72.2% | $125.7M-8.2% | -$48.3M-1611.7% | -$57.2M+19.2% | -$342.8M-1043.3% | $136.9M+3423.0% |
| Dividends Paid | $3.2M | $3.2M | N/A | N/A | $0 | $0 | N/A | N/A |
| Share Buybacks | $2.0M | $7.4M | $431K-55.5% | $2.9M+760.7% | $0-100.0% | $0-100.0% | -$968K+151.4% | $341K+450.0% |
BCAL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 31.9%0.0pp | 31.2%-6.4pp | 35.8%-1.1pp | 34.7%+77.9pp | 31.9%+31.0pp | 37.6%+15.1pp | 36.8%+17.2pp | -43.2%-70.4pp |
| Return on Equity | 2.4%-0.1pp | 2.4%-0.8pp | 2.9%-0.4pp | 2.8%+6.1pp | 2.6%+2.5pp | 3.2%+1.5pp | 3.3%+1.8pp | -3.3%-5.7pp |
| Return on Assets | 0.4%0.0pp | 0.3%-0.1pp | 0.4%0.0pp | 0.4%+0.8pp | 0.4%+0.4pp | 0.4%+0.2pp | 0.4%+0.2pp | -0.4%-0.7pp |
| Debt-to-Equity | 0.060.0x | 0.06-0.1x | 0.06-0.1x | 0.06-0.1x | 0.100.0x | 0.130.0x | 0.14-0.2x | 0.140.0x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 31.9%+1.6pp | 18.8%+3.4pp | 45.3%-6.2pp | 35.1%-12.4pp | 30.2%+29.5pp | 15.3%-21.0pp | 51.6%+89.4pp | 47.5%+1.6pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| California BanCorp BCAL | FY2025 | $180.2M | $63.1M | 35.0% | $698.0M | 51/100 |
| HarborOne Bancorp, Inc. HONE | FY2024 | $172.6M | $27.4M | 15.9% | $522.2M | 30/100 |
| South Plains Financial, Inc. SPFI | FY2025 | $211.9M | $58.5M | 27.6% | $801.4M | 47/100 |
| Eagle Bancorp Inc EGBN | FY2025 | $299.2M | -$138.1M | -46.1% | $836.8M | 18/100 |
| Guaranty Bancshares, Inc. GNTY | FY2024 | $118.6M | $31.5M | 26.6% | $553.2M | 37/100 |
| Bar Harbor Bankshares BHB | FY2025 | $168.9M | $36.9M | 21.9% | $636.6M | 47/100 |
Where California BanCorp Ranks
Frequently Asked Questions
What is California BanCorp's annual revenue?
California BanCorp (BCAL) reported $180.2M in total revenue for fiscal year 2025. This represents a 41.0% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is California BanCorp's revenue growing?
California BanCorp (BCAL) revenue grew by 41.0% year-over-year, from $127.7M to $180.2M in fiscal year 2025.
Is California BanCorp profitable?
Yes, California BanCorp (BCAL) reported a net income of $63.1M in fiscal year 2025, with a net profit margin of 35.0%.
How much debt does California BanCorp have?
As of fiscal year 2025, California BanCorp (BCAL) had $399.9M in cash and equivalents against $33.8M in long-term debt.
What is California BanCorp's net profit margin?
California BanCorp (BCAL) had a net profit margin of 35.0% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is California BanCorp's return on equity (ROE)?
California BanCorp (BCAL) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is California BanCorp's free cash flow?
California BanCorp (BCAL) generated $56.9M in free cash flow during fiscal year 2025. This represents a 14.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is California BanCorp's operating cash flow?
California BanCorp (BCAL) generated $57.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are California BanCorp's total assets?
California BanCorp (BCAL) had $4.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are California BanCorp's capital expenditures?
California BanCorp (BCAL) invested $346K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is California BanCorp's debt-to-equity ratio?
California BanCorp (BCAL) had a debt-to-equity ratio of 0.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is California BanCorp's return on assets (ROA)?
California BanCorp (BCAL) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is California BanCorp's P/E ratio?
California BanCorp (BCAL) trades at 11.6x earnings, its market capitalization divided by net income of $60.2M net income, trailing 12 months to June 30, 2026. The market capitalization is $698.0M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is California BanCorp's price-to-sales ratio?
California BanCorp (BCAL) trades at 3.9x sales, its market capitalization divided by revenue of $180.2M revenue, trailing 12 months to June 30, 2026. The market capitalization is $698.0M as of Oct 16, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is California BanCorp's Piotroski F-Score?
California BanCorp (BCAL) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are California BanCorp's earnings high quality?
California BanCorp (BCAL) has an earnings quality ratio of 0.91x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is California BanCorp?
California BanCorp (BCAL) scores 51 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.