California Bancorp Financials
California Bancorp (BCAL) reported $222.1M in revenue over the twelve months to Jun 30, 2026, down 3.1% 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).
Rapid balance-sheet expansion was followed by earnings normalization, lower debt reliance, and closer cash-profit alignment.
Assets expanded sharply in FY2024 alongside a much larger equity base and share count, indicating that scale increased through more than additional long-term borrowing. The unusual earnings-quality shift came afterward: operating cash flow greatly exceeded reported profit in FY2024, but the two nearly converged in FY2025, making the latest earnings figure more closely supported by cash generation.
Long-term debt was cut by more than half to
Free cash flow margin stayed near
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.
Not available for California Bancorp, and counted as zero in the overall score.
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 $226.0M in revenue in fiscal year 2025. This represents an increase of 25.7% from the prior year.
California Bancorp reported $63.1M in net income in fiscal year 2025. This represents an increase of 1060.6% from the prior year.
California Bancorp earned $1.93 per diluted share (EPS) in fiscal year 2025. This represents an increase of 777.3% from the prior year.
Not reported for fiscal year 2025.
Cash & Balance Sheet
California Bancorp generated $56.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 14.5% from the prior year.
California Bancorp held $399.9M in cash against $33.8M in long-term debt as of fiscal year 2025.
Not reported for fiscal year 2025.
Margins & Returns
California Bancorp's net profit margin was 27.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 24.9 percentage points from the prior year.
California Bancorp's ROE was 10.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 9.9 percentage points from the prior year.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
Capital Allocation
California Bancorp spent $3.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
California Bancorp invested $346K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 37.3% from the prior year.
Not reported for fiscal year 2025.
BCAL Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $54.9M+2.1% | $53.8M-4.3% | $56.2M-1.8% | $57.2M+2.5% | $55.8M-1.8% | $56.8M-9.2% | $62.6M+15.6% | $54.1M |
| SG&A Expenses | $15.5M-6.1% | $16.6M+0.8% | $16.4M+11.5% | $14.7M-3.8% | $15.3M-3.6% | $15.9M-1.3% | $16.1M+4.5% | $15.4M |
| Interest Expense | $11.6M-1.1% | $11.7M-11.9% | $13.3M-9.5% | $14.7M+2.1% | $14.4M-1.4% | $14.6M-19.1% | $18.0M+4.8% | $17.2M |
| Income Tax | $5.5M+4.6% | $5.3M-11.2% | $6.0M-2.7% | $6.1M+2.6% | $6.0M-12.4% | $6.8M+5.3% | $6.5M+206.9% | -$6.1M |
| Net Income | $14.3M+3.7% | $13.8M-16.0% | $16.4M+4.7% | $15.7M+11.2% | $14.1M-16.3% | $16.9M+0.5% | $16.8M+201.9% | -$16.5M |
| EPS (Diluted) | $0.44+4.8% | $0.42-17.6% | $0.51+6.3% | $0.48+11.6% | $0.43-17.3% | $0.52-30.7% | $0.75+227.1% | -$0.59 |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.
BCAL Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.0B-0.6% | $4.0B+0.4% | $4.0B-1.7% | $4.1B+3.7% | $4.0B-0.7% | $4.0B-1.2% | $4.0B-7.6% | $4.4B |
| Cash & Equivalents | $265.0M-35.6% | $411.1M+2.8% | $399.9M-28.5% | $559.2M+30.0% | $430.1M-2.1% | $439.2M+13.2% | $388.2M-36.8% | $614.4M |
| Goodwill | $110.9M0.0% | $110.9M0.0% | $110.9M0.0% | $110.9M0.0% | $110.9M-0.8% | $111.8M0.0% | $111.8M-0.6% | $112.5M |
| Total Liabilities | $3.4B-0.9% | $3.5B+0.4% | $3.5B-2.3% | $3.5B+3.8% | $3.4B-1.3% | $3.5B-1.9% | $3.5B-8.9% | $3.9B |
| Long-Term Debt | $34.6M+1.1% | $34.2M+1.1% | $33.8M+1.2% | $33.4M-36.8% | $52.9M-24.8% | $70.3M+0.8% | $69.7M+0.8% | $69.1M |
| Total Equity | $586.6M+1.5% | $577.8M+0.2% | $576.6M+2.1% | $564.7M+3.1% | $547.6M+3.1% | $531.4M+3.8% | $511.8M+2.8% | $498.1M |
| Retained Earnings | $157.4M+7.6% | $146.4M+7.8% | $135.8M+10.7% | $122.6M+14.7% | $107.0M+15.2% | $92.9M+22.2% | $76.0M+28.3% | $59.2M |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, 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.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $14.8M+73.6% | $8.5M-59.2% | $20.9M+30.9% | $16.0M+19.0% | $13.4M+92.2% | $7.0M-70.4% | $23.6M+29.1% | $18.3M |
| Capital Expenditures | $516K+118.6% | $236K+138.4% | $99K-8.3% | $108K+217.6% | $34K-67.6% | $105K-26.1% | $142K-22.4% | $183K |
| Free Cash Flow | $14.3M+72.3% | $8.3M-60.1% | $20.8M+31.1% | $15.9M+18.5% | $13.4M+94.6% | $6.9M-70.7% | $23.5M+29.6% | $18.1M |
| Investing Cash Flow | -$121.3M-1334.1% | -$8.5M+90.0% | -$84.8M-573.6% | -$12.6M-148.8% | $25.8M-74.6% | $101.3M+9.0% | $92.9M-73.8% | $354.5M |
| Financing Cash Flow | -$39.7M-456.1% | $11.2M+111.7% | -$95.4M-175.9% | $125.7M+360.2% | -$48.3M+15.6% | -$57.2M+83.3% | -$342.8M-350.5% | $136.9M |
| Dividends Paid | $3.2M0.0% | $3.2M | N/A | N/A | $0 | $0 | N/A | N/A |
| Share Buybacks | $2.0M-73.1% | $7.4M+1619.7% | $431K-85.3% | $2.9M | $0 | $0-100.0% | -$968K+183.9% | $341K |
BCAL Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Net Margin | 26.0%+0.4pp | 25.6%-3.6pp | 29.2%+1.8pp | 27.4%+2.2pp | 25.3%-4.4pp | 29.7%+2.8pp | 26.8%+57.2pp | -30.4% |
| Return on Equity | 2.4%+0.1pp | 2.4%-0.5pp | 2.9%+0.1pp | 2.8%+0.2pp | 2.6%-0.6pp | 3.2%-0.1pp | 3.3%+6.6pp | -3.3% |
| Return on Assets | 0.4%0.0pp | 0.3%-0.1pp | 0.4%0.0pp | 0.4%0.0pp | 0.4%-0.1pp | 0.4%0.0pp | 0.4%+0.8pp | -0.4% |
| Debt-to-Equity | 0.060.0x | 0.060.0x | 0.060.0x | 0.060.0x | 0.100.0x | 0.130.0x | 0.140.0x | 0.14 |
| FCF Margin | 26.0%+10.6pp | 15.4%-21.6pp | 37.0%+9.3pp | 27.8%+3.8pp | 24.0%+11.9pp | 12.1%-25.4pp | 37.5%+4.1pp | 33.5% |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
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Where California Bancorp Ranks
Frequently Asked Questions
What is California Bancorp's annual revenue?
California Bancorp (BCAL) reported $226.0M in total revenue for fiscal year 2025. This represents a 25.7% 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 25.7% year-over-year, from $179.8M to $226.0M 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 27.9%.
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 27.9% 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 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.