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California BanCorp (BCAL) Financials

California BanCorp logo
$21.02 +0.27 (+1.30%)
Closing price 07/24/2026 04:00 PM Eastern
Extended Trading
$21.00 -0.02 (-0.10%)
As of 07/24/2026 07:34 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Massive. Learn more.
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Annual Income Statements for California BanCorp

Annual Income Statements for California BanCorp

This table shows California BanCorp's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 26 5.43 63
Consolidated Net Income / (Loss)		 26 5.43 63
Net Income / (Loss) Continuing Operations		 26 5.43 63
Total Pre-Tax Income 		37 8.26 88
Total Revenue		 98 128 180
Net Interest Income / (Expense)		 94 123 169
Total Interest Income		 124 180 226
Loans and Leases Interest Income		 114 160 196
Investment Securities Interest Income		 5.15 7.05 9.03
Deposits and Money Market Investments Interest Income		 3.36 11 19
Other Interest Income		 1.06 1.78 2.34
Total Interest Expense		 29 57 57
Deposits Interest Expense		 27 53 52
Long-Term Debt Interest Expense		 2.52 4.05 4.63
Total Non-Interest Income		 3.38 4.76 11
Other Service Charges		 0.63 0.26 3.15
Net Realized & Unrealized Capital Gains on Investments		 1.80 -0.38 1.03
Other Non-Interest Income		 0.95 4.89 6.91
Provision for Credit Losses		 0.92 22 -8.82
Total Non-Interest Expense		 60 98 101
Salaries and Employee Benefits		 39 50 62
Net Occupancy & Equipment Expense		 11 13 16
Property & Liability Insurance Claims		 1.51 1.71 2.28
Other Operating Expenses		 7.84 15 16
Amortization Expense		 0.39 1.88 3.79
Restructuring Charge		 0.00 16 0.00
Income Tax Expense		 11 2.83 25
Basic Earnings per Share		 $1.42 $0.22 $1.95
Weighted Average Basic Shares Outstanding		 - 32.40M 32.33M
Diluted Earnings per Share		 $1.39 $0.22 $1.93
Weighted Average Diluted Shares Outstanding		 - 32.40M 32.33M
Weighted Average Basic & Diluted Shares Outstanding		 - 32.40M 32.33M

Quarterly Income Statements for California BanCorp

This table shows California BanCorp's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Income / (Loss) Attributable to Common Shareholders		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
Consolidated Net Income / (Loss)		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
Net Income / (Loss) Continuing Operations		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
Total Pre-Tax Income 		9.39 6.29 7.26 0.28 -23 23 24 20 22 22 19
Total Revenue		 24 22 22 22 38 46 45 44 45 46 44
Net Interest Income / (Expense)		 23 23 20 21 37 45 42 41 43 43 42
Total Interest Income		 31 33 31 32 54 63 57 56 57 56 54
Loans and Leases Interest Income		 29 30 29 29 48 55 51 49 49 47 46
Investment Securities Interest Income		 1.30 1.34 1.52 1.54 1.99 2.00 1.83 2.06 2.44 2.70 3.08
Deposits and Money Market Investments Interest Income		 0.96 0.88 0.85 0.90 4.10 5.16 3.80 4.00 5.42 5.48 4.14
Other Interest Income		 0.24 0.37 0.31 0.36 0.51 0.60 0.51 0.65 0.61 0.57 0.94
Total Interest Expense		 8.22 10 11 11 17 18 15 14 15 13 12
Deposits Interest Expense		 7.79 8.94 9.79 10 16 17 13 13 14 13 11
Long-Term Debt Interest Expense		 0.43 1.07 0.98 0.66 1.03 1.39 1.39 1.43 1.11 0.70 0.70
Total Non-Interest Income		 0.82 -0.10 1.41 1.17 1.17 1.00 2.57 2.86 2.67 3.00 2.14
Other Service Charges		 0.10 0.29 0.21 0.36 -0.45 0.44 0.20 1.07 0.62 1.12 0.44
Net Realized & Unrealized Capital Gains on Investments		 0.01 0.79 0.42 -0.02 0.09 -1.17 0.72 0.10 0.07 0.28 0.08
Other Non-Interest Income		 0.71 -1.19 0.79 0.83 1.53 1.73 1.65 1.68 1.98 1.59 1.62
Provision for Credit Losses		 -0.10 0.82 -0.33 2.89 23 -3.84 -3.78 -0.63 -0.02 -4.40 -0.38
Total Non-Interest Expense		 15 15 15 19 38 26 25 25 23 28 26
Salaries and Employee Benefits		 9.74 9.60 9.61 8.78 15 16 16 15 15 16 17
Net Occupancy & Equipment Expense		 2.72 2.84 2.60 2.63 3.57 4.27 4.09 3.93 3.97 4.22 3.95
Property & Liability Insurance Claims		 0.37 0.32 0.39 0.35 0.54 0.44 0.72 0.55 0.51 0.51 0.53
Other Operating Expenses		 1.83 2.51 1.77 6.70 2.89 3.64 3.30 4.12 3.24 5.82 3.68
Amortization Expense		 0.13 0.08 0.07 0.07 0.69 1.06 0.95 0.95 0.95 0.95 0.80
Income Tax Expense		 2.84 1.88 2.32 0.09 -6.06 6.48 6.82 5.98 6.13 5.97 5.30
Basic Earnings per Share		 $0.36 $0.23 $0.27 $0.01 ($0.59) $0.53 $0.52 $0.43 $0.48 $0.52 $0.43
Weighted Average Basic Shares Outstanding		 - 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Diluted Earnings per Share		 $0.35 $0.24 $0.26 $0.01 ($0.59) $0.54 $0.52 $0.43 $0.48 $0.50 $0.42
Weighted Average Diluted Shares Outstanding		 - 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Weighted Average Basic & Diluted Shares Outstanding		 - 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Cash Dividends to Common per Share		 - - - - - - - - - - $0.10

Annual Cash Flow Statements for California BanCorp

This table details how cash moves in and out of California BanCorp's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 0.03 301 12
Net Cash From Operating Activities		 33 50 57
Net Cash From Continuing Operating Activities		 33 50 57
Net Income / (Loss) Continuing Operations		 26 5.43 63
Consolidated Net Income / (Loss)		 26 5.43 63
Provision For Loan Losses		 0.92 22 -8.82
Depreciation Expense		 1.53 1.76 1.82
Amortization Expense		 -1.32 -11 -19
Non-Cash Adjustments to Reconcile Net Income		 6.91 10 16
Changes in Operating Assets and Liabilities, net		 -0.84 22 4.30
Net Cash From Investing Activities		 -79 525 30
Net Cash From Continuing Investing Activities		 -79 525 30
Purchase of Property, Leasehold Improvements and Equipment		 -0.30 -0.55 -0.35
Purchase of Investment Securities		 -68 328 -123
Sale and/or Maturity of Investments		 48 116 55
Other Investing Activities, net		 -59 82 98
Net Cash From Financing Activities		 46 -274 -75
Net Cash From Continuing Financing Activities		 46 -274 -75
Net Change in Deposits		 12 -188 -28
Repayment of Debt		 -57 -85 -38
Repurchase of Common Equity		 -0.89 -1.97 -6.03
Payment of Dividends		 - 0.00 -3.25
Other Financing Activities, Net		 0.13 0.95 0.13
Cash Interest Paid		 29 52 58
Cash Income Taxes Paid		 12 2.89 9.78

Quarterly Cash Flow Statements for California BanCorp

This table details how cash moves in and out of California BanCorp's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
Net Change in Cash & Equivalents		 -9.51 -8.33 -0.25 18 510 -226 51 -9.10 129 -159 11
Net Cash From Operating Activities		 11 -8.44 8.05 0.31 18 24 6.98 13 16 21 8.54
Net Cash From Continuing Operating Activities		 11 -8.44 8.05 0.31 18 24 6.98 13 16 21 8.54
Net Income / (Loss) Continuing Operations		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
Consolidated Net Income / (Loss)		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
Provision For Loan Losses		 -0.10 0.82 -0.33 2.89 24 -3.84 -3.78 -0.63 -0.02 -4.40 -0.38
Depreciation Expense		 0.37 0.36 0.37 0.37 0.48 0.54 0.55 0.46 0.42 0.40 0.37
Amortization Expense		 -0.40 -0.42 -0.67 -0.47 -4.30 -5.94 -5.39 -4.94 -4.66 -3.94 -3.70
Non-Cash Adjustments to Reconcile Net Income		 1.06 -5.25 6.86 0.62 -3.46 6.07 6.62 4.04 1.40 3.58 4.87
Changes in Operating Assets and Liabilities, net		 3.62 -8.37 -3.11 -3.30 18 10 -7.87 0.40 3.16 8.84 -6.42
Net Cash From Investing Activities		 -17 -36 63 15 355 93 101 26 -13 -85 -8.46
Net Cash From Continuing Investing Activities		 -17 -36 63 15 355 93 101 26 -13 -85 -8.46
Purchase of Property, Leasehold Improvements and Equipment		 0.04 -0.06 -0.09 -0.14 -0.18 -0.14 -0.11 -0.03 -0.11 -0.10 -0.24
Purchase of Investment Securities		 -0.46 -35 -1.95 -1.14 -3.13 334 -0.02 -67 -25 -32 -73
Sale and/or Maturity of Investments		 4.31 23 2.94 12 13 89 14 27 6.54 7.48 7.84
Other Investing Activities, net		 -20 -24 62 4.14 9.02 6.78 87 66 5.78 -60 57
Net Cash From Financing Activities		 -4.12 36 -71 3.20 137 -343 -57 -48 126 -95 11
Net Cash From Continuing Financing Activities		 -4.12 36 -71 3.20 137 -343 -57 -48 126 -95 11
Net Change in Deposits		 2.94 -40 -13 5.31 162 -342 -56 -30 147 -89 23
Issuance of Debt		 - 77 - - - - 0.00 - - - 10
Repayment of Debt		 -7.00 - -58 -2.00 -25 - 0.00 -18 -20 - -10
Repurchase of Common Equity		 -0.06 -0.39 -0.51 -0.12 -0.34 -1.00 -1.06 -0.16 -1.73 -3.09 -8.73
Payment of Dividends		 - - - - - - 0.00 - - - -3.25
Other Financing Activities, Net		 - 0.03 0.71 - 0.01 0.23 0.04 0.06 0.03 - 0.23
Cash Interest Paid		 7.92 10 9.59 11 13 18 17 14 15 13 12
Cash Income Taxes Paid		 - 12 0.00 4.51 0.26 - 0.00 9.18 2.02 -1.41 0.00

Annual Balance Sheets for California BanCorp

This table presents California BanCorp's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
Total Assets		 2,360 4,032 4,033
Cash and Due from Banks		 33 60 52
Interest Bearing Deposits at Other Banks		 54 328 348
Trading Account Securities		 184 195 288
Loans and Leases, Net of Allowance		 1,935 3,089 3,000
Loans and Leases		 1,957 3,139 3,034
Allowance for Loan and Lease Losses		 23 51 34
Loans Held for Sale		 7.35 17 25
Premises and Equipment, Net		 13 14 12
Goodwill		 38 112 111
Intangible Assets		 1.20 22 18
Other Assets		 95 195 179
Total Liabilities & Shareholders' Equity		 2,360 4,032 4,033
Total Liabilities		 2,072 3,520 3,457
Non-Interest Bearing Deposits		 675 1,257 1,178
Interest Bearing Deposits		 1,268 2,142 2,192
Long-Term Debt		 103 70 34
Other Long-Term Liabilities		 26 51 52
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 288 512 577
Total Preferred & Common Equity		 288 512 577
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 288 512 577
Common Stock		 222 442 442
Retained Earnings		 71 76 136
Accumulated Other Comprehensive Income / (Loss)		 -4.46 -6.64 -1.62

Quarterly Balance Sheets for California BanCorp

This table presents California BanCorp's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2024 Q2 2024 Q3 2024 Q1 2025 Q2 2025 Q3 2025 Q1 2026
Period end date 3/31/2024 6/30/2024 9/30/2024 3/31/2025 6/30/2025 9/30/2025 3/31/2026
Total Assets		 2,290 2,294 4,363 3,983 3,954 4,101 4,049
Cash and Due from Banks		 54 29 115 80 84 95 56
Interest Bearing Deposits at Other Banks		 33 76 499 359 346 464 355
Trading Account Securities		 180 177 213 185 241 262 351
Loans and Leases, Net of Allowance		 1,861 1,854 3,146 3,023 2,950 2,949 2,939
Loans and Leases		 1,883 1,878 3,200 3,069 2,992 2,990 2,973
Allowance for Loan and Lease Losses		 22 24 54 46 41 41 34
Loans Held for Sale		 2.80 6.98 34 4.63 6.09 6.69 24
Premises and Equipment, Net		 13 13 14 13 13 12 12
Goodwill		 38 38 113 112 111 111 111
Intangible Assets		 1.13 1.07 23 21 20 19 18
Other Assets		 107 99 206 185 182 181 183
Total Liabilities & Shareholders' Equity		 2,290 2,294 4,363 3,983 3,954 4,101 4,049
Total Liabilities		 1,997 2,000 3,865 3,452 3,406 3,536 3,471
Non-Interest Bearing Deposits		 652 667 1,368 1,293 1,218 1,238 1,247
Interest Bearing Deposits		 1,279 1,269 2,373 2,050 2,094 2,222 2,146
Long-Term Debt		 45 43 69 70 53 33 34
Other Long-Term Liabilities		 22 22 55 39 41 43 43
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 292 293 498 531 548 565 578
Total Preferred & Common Equity		 292 293 498 531 548 565 578
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 292 293 498 531 548 565 578
Common Stock		 223 224 442 443 444 444 435
Retained Earnings		 76 76 59 93 107 123 146
Accumulated Other Comprehensive Income / (Loss)		 -6.14 -6.49 -2.86 -4.41 -3.73 -2.05 -3.77

Annual Metrics And Ratios for California BanCorp

This table displays calculated financial ratios and metrics derived from California BanCorp's official financial filings.

Metric 2023 2024 2025
Period end date 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - 32,322,651.00
DEI Adjusted Shares Outstanding		 - - 32,322,651.00
DEI Earnings Per Adjusted Shares Outstanding		 - - 1.95
Growth Metrics		 - - -
Revenue Growth		 0.00% 31.00% 41.05%
EBITDA Growth		 0.00% -103.65% 5,336.44%
EBIT Growth		 0.00% -77.58% 964.47%
NOPAT Growth		 0.00% -79.03% 1,060.65%
Net Income Growth		 0.00% -79.03% 1,060.65%
EPS Growth		 0.00% -84.17% 777.27%
Operating Cash Flow Growth		 0.00% 51.93% 13.91%
Free Cash Flow Firm Growth		 0.00% 0.00% 118.48%
Invested Capital Growth		 0.00% 48.73% 4.96%
Revenue Q/Q Growth		 0.00% 0.00% 0.20%
EBITDA Q/Q Growth		 0.00% 0.00% 1.42%
EBIT Q/Q Growth		 0.00% 0.00% -0.97%
NOPAT Q/Q Growth		 0.00% 0.00% -0.55%
Net Income Q/Q Growth		 0.00% 0.00% -0.55%
EPS Q/Q Growth		 0.00% 0.00% -2.03%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% -4.54%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 5.41%
Invested Capital Q/Q Growth		 0.00% 2.53% 2.05%
Profitability Metrics		 - - -
EBITDA Margin		 38.01% -1.06% 39.32%
EBIT Margin		 37.79% 6.47% 48.82%
Profit (Net Income) Margin		 26.57% 4.25% 35.00%
Tax Burden Percent		 70.30% 65.75% 71.69%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 29.70% 34.25% 28.31%
Return on Invested Capital (ROIC)		 6.63% 1.12% 10.58%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.63% 1.12% 10.58%
Return on Net Nonoperating Assets (RNNOA)		 2.37% 0.24% 1.01%
Return on Equity (ROE)		 8.99% 1.36% 11.59%
Cash Return on Invested Capital (CROIC)		 0.00% -38.07% 5.74%
Operating Return on Assets (OROA)		 1.56% 0.26% 2.18%
Return on Assets (ROA)		 1.10% 0.17% 1.56%
Return on Common Equity (ROCE)		 8.99% 1.36% 11.59%
Return on Equity Simple (ROE_SIMPLE)		 8.99% 1.06% 10.94%
Net Operating Profit after Tax (NOPAT)		 26 5.43 63
NOPAT Margin		 26.57% 4.25% 35.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.29% 49.25% 43.57%
Operating Expenses to Revenue		 61.27% 76.55% 56.08%
Earnings before Interest and Taxes (EBIT)		 37 8.26 88
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 37 -1.35 71
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.00 1.05 1.04
Price to Tangible Book Value (P/TBV)		 0.00 1.42 1.34
Price to Revenue (P/Rev)		 0.00 4.20 3.33
Price to Earnings (P/E)		 0.00 98.64 9.52
Dividend Yield		 0.00% 0.00% 0.54%
Earnings Yield		 0.00% 1.01% 10.51%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.37 0.38
Enterprise Value to Revenue (EV/Rev)		 0.00 1.70 1.30
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 3.30
Enterprise Value to EBIT (EV/EBIT)		 0.00 26.32 2.66
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 40.03 3.71
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 4.32 4.08
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 6.84
Leverage & Solvency		 - - -
Debt to Equity		 0.36 0.14 0.06
Long-Term Debt to Equity		 0.36 0.14 0.06
Financial Leverage		 0.36 0.22 0.10
Leverage Ratio		 8.19 7.99 7.41
Compound Leverage Factor		 8.19 7.99 7.41
Debt to Total Capital		 26.31% 11.99% 5.54%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 26.31% 11.99% 5.54%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 73.69% 88.01% 94.46%
Debt to EBITDA		 2.78 -51.53 0.48
Net Debt to EBITDA		 0.43 235.36 -5.17
Long-Term Debt to EBITDA		 2.78 -51.53 0.48
Debt to NOPAT		 3.97 12.83 0.54
Net Debt to NOPAT		 0.62 -58.61 -5.81
Long-Term Debt to NOPAT		 3.97 12.83 0.54
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 0.00 -185 34
Operating Cash Flow to CapEx		 10,960.93% 9,110.87% 16,557.80%
Free Cash Flow to Firm to Interest Expense		 0.00 -3.26 0.60
Operating Cash Flow to Interest Expense		 1.13 0.89 1.01
Operating Cash Flow Less CapEx to Interest Expense		 1.12 0.88 1.00
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 7.35 9.51 14.02
Capital & Investment Metrics		 - - -
Invested Capital		 391 582 610
Invested Capital Turnover		 0.25 0.26 0.30
Increase / (Decrease) in Invested Capital		 0.00 191 29
Enterprise Value (EV)		 0.00 217 234
Market Capitalization		 0.00 536 600
Book Value per Share		 $0.00 $15.91 $17.84
Tangible Book Value per Share		 $0.00 $11.74 $13.83
Total Capital		 391 582 610
Total Debt		 103 70 34
Total Long-Term Debt		 103 70 34
Net Debt		 16 -318 -366
Capital Expenditures (CapEx)		 0.30 0.55 0.35
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 103 70 34
Total Depreciation and Amortization (D&A)		 0.21 -9.62 -17
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $0.00 $0.22 $1.95
Adjusted Weighted Average Basic Shares Outstanding		 0.00 32.40M 32.33M
Adjusted Diluted Earnings per Share		 $0.00 $0.22 $1.93
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 32.40M 32.33M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 32.40M 32.33M
Normalized Net Operating Profit after Tax (NOPAT)		 26 16 63
Normalized NOPAT Margin		 26.57% 12.64% 35.00%
Pre Tax Income Margin		 37.79% 6.47% 48.82%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 1.25 0.15 1.55
NOPAT to Interest Expense		 0.88 0.10 1.11
EBIT Less CapEx to Interest Expense		 1.24 0.14 1.54
NOPAT Less CapEx to Interest Expense		 0.87 0.09 1.10
Payout Ratios		 - - -
Dividend Payout Ratio		 0.00% 0.00% 5.16%
Augmented Payout Ratio		 3.43% 36.19% 14.72%

Quarterly Metrics And Ratios for California BanCorp

This table displays calculated financial ratios and metrics derived from California BanCorp's official financial filings.

Metric Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025 Q1 2026
Period end date 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025 3/31/2026
DEI Shares Outstanding		 - - - - - - 32,402,140.00 32,412,937.00 32,517,595.00 32,322,651.00 32,326,866.00
DEI Adjusted Shares Outstanding		 - - - - - - 32,402,140.00 32,412,937.00 32,517,595.00 32,322,651.00 32,326,866.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - 0.52 0.44 0.48 0.51 0.43
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.00% 0.00% -17.21% -9.57% 58.32% 102.81% 104.60% 99.64% 18.54% 0.78% -1.34%
EBITDA Growth		 0.00% 0.00% -38.70% -98.25% -381.43% 186.46% 170.51% 8,710.17% 166.68% 5.56% -16.30%
EBIT Growth		 0.00% 0.00% -35.44% -97.20% -339.88% 269.48% 226.26% 7,120.86% 196.84% -3.72% -19.37%
NOPAT Growth		 0.00% 0.00% -39.99% -97.17% -340.53% 280.15% 241.50% 7,320.53% 199.46% -2.09% -18.17%
Net Income Growth		 0.00% 0.00% -39.99% -97.17% -351.13% 280.15% 241.50% 7,320.53% 195.26% -2.09% -18.17%
EPS Growth		 0.00% 0.00% -40.91% -97.22% -268.57% 125.00% 100.00% 4,200.00% 181.36% -7.41% -19.23%
Operating Cash Flow Growth		 0.00% 0.00% -55.93% -97.46% 64.64% 380.11% -13.29% 4,243.69% -12.69% -11.52% 22.23%
Free Cash Flow Firm Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 25.57% 25.51% 97.38% 92.84% 101.38%
Invested Capital Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 48.73% 78.34% 78.64% 5.46% 4.96% 1.72%
Revenue Q/Q Growth		 -1.82% -6.72% 0.00% 1.23% 71.88% 19.49% -1.59% -1.22% 2.06% 1.59% -3.66%
EBITDA Q/Q Growth		 -7.38% -33.42% 0.00% -97.46% -14,987.01% 167.77% 5.46% -17.20% 12.68% 7.28% -16.38%
EBIT Q/Q Growth		 -5.43% -32.98% 0.00% -96.17% -8,203.24% 203.23% 1.81% -15.22% 8.68% 2.63% -14.74%
NOPAT Q/Q Growth		 -2.41% -32.70% 0.00% -96.15% -8,399.42% 206.36% 0.48% -16.34% 11.24% 4.71% -16.02%
Net Income Q/Q Growth		 -2.41% -32.70% 0.00% -96.15% -8,765.26% 201.87% 0.48% -16.34% 11.24% 4.71% -16.02%
EPS Q/Q Growth		 -2.78% -31.43% 0.00% -96.15% -6,000.00% 191.53% -3.70% -17.31% 11.63% 4.17% -16.00%
Operating Cash Flow Q/Q Growth		 -8.53% -175.90% 0.00% -96.16% 5,822.33% 29.13% -70.45% 92.21% 19.04% 30.86% -59.18%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% -1.05% -73.53% 70.19% -42.40% -1.13% 93.90% 18.60% 127.56%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% -0.37% 68.75% 2.53% 3.46% -0.20% -0.38% 2.05% 0.27%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 38.89% 27.76% 31.78% 0.80% -69.13% 39.21% 42.02% 35.22% 38.89% 41.07% 35.65%
EBIT Margin		 39.01% 28.03% 33.13% 1.25% -59.10% 51.06% 52.83% 45.34% 48.28% 48.78% 43.17%
Profit (Net Income) Margin		 27.23% 19.65% 22.53% 0.86% -43.19% 36.83% 37.60% 31.85% 34.71% 35.78% 31.19%
Tax Burden Percent		 69.81% 70.10% 68.00% 68.35% 73.09% 72.12% 71.18% 70.24% 71.89% 73.35% 72.24%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 30.19% 29.90% 32.00% 31.65% 0.00% 27.88% 28.82% 29.76% 28.11% 26.65% 27.76%
Return on Invested Capital (ROIC)		 0.00% 4.90% 0.00% 0.00% 0.00% 9.67% 12.06% 11.75% 10.71% 10.82% 9.23%
ROIC Less NNEP Spread (ROIC-NNEP)		 0.00% 4.90% 0.00% 0.00% 0.00% 9.67% 12.06% 11.75% 10.71% 10.82% 9.23%
Return on Net Nonoperating Assets (RNNOA)		 0.00% 1.75% 0.00% 0.00% 0.00% 2.09% 1.69% 1.34% 1.03% 1.03% 0.87%
Return on Equity (ROE)		 0.00% 6.65% 0.00% 0.00% 0.00% 11.76% 13.75% 13.09% 11.75% 11.85% 10.10%
Cash Return on Invested Capital (CROIC)		 0.00% 0.00% 0.00% 0.00% 0.00% -38.07% -52.59% -49.77% 5.57% 5.74% 8.18%
Operating Return on Assets (OROA)		 0.00% 1.16% 0.00% 0.00% 0.00% 2.04% 2.54% 2.51% 2.05% 2.18% 1.93%
Return on Assets (ROA)		 0.00% 0.81% 0.00% 0.00% 0.00% 1.47% 1.81% 1.76% 1.48% 1.60% 1.39%
Return on Common Equity (ROCE)		 0.00% 6.65% 0.00% 0.00% 0.00% 11.76% 13.75% 13.09% 11.75% 11.85% 10.10%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 3.27% 5.71% 11.23% 0.00% 10.38%
Net Operating Profit after Tax (NOPAT)		 6.56 4.41 4.94 0.19 -16 17 17 14 16 16 14
NOPAT Margin		 27.23% 19.65% 22.53% 0.86% -41.37% 36.83% 37.60% 31.85% 34.71% 35.78% 31.19%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 2.01% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 51.75% 55.37% 55.74% 51.44% 49.72% 44.68% 44.51% 43.41% 41.37% 44.96% 46.37%
Operating Expenses to Revenue		 61.39% 68.30% 68.38% 85.70% 98.86% 57.36% 55.60% 56.09% 51.75% 60.80% 57.69%
Earnings before Interest and Taxes (EBIT)		 9.39 6.29 7.26 0.28 -23 23 24 20 22 22 19
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 9.36 6.23 6.96 0.18 -26 18 19 16 18 19 16
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.94 0.85 0.96 1.05 0.86 0.94 0.95 1.04 0.99
Price to Tangible Book Value (P/TBV)		 0.00 0.00 1.09 0.98 1.31 1.42 1.15 1.23 1.24 1.34 1.27
Price to Revenue (P/Rev)		 0.00 0.00 0.00 0.00 0.00 4.20 3.05 2.97 3.00 3.33 3.17
Price to Earnings (P/E)		 0.00 0.00 0.00 0.00 0.00 98.64 26.48 16.39 8.50 9.52 9.50
Dividend Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.54% 1.13%
Earnings Yield		 0.00% 0.00% 0.00% 0.00% 0.00% 1.01% 3.78% 6.10% 11.76% 10.51% 10.53%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.70 0.56 0.00 0.37 0.15 0.23 0.02 0.38 0.32
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 0.00 1.70 0.60 0.78 0.07 1.30 1.08
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 0.00 0.00 8.60 5.21 0.19 3.30 2.85
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 0.00 26.32 3.67 3.04 0.15 2.66 2.32
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 0.00 40.03 5.22 4.33 0.21 3.71 3.22
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 0.00 4.32 1.84 2.17 0.22 4.08 3.28
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.41 6.84 3.89
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.36 0.15 0.15 0.14 0.14 0.13 0.10 0.06 0.06 0.06
Long-Term Debt to Equity		 0.00 0.36 0.15 0.15 0.14 0.14 0.13 0.10 0.06 0.06 0.06
Financial Leverage		 0.00 0.36 0.15 0.15 0.14 0.22 0.14 0.11 0.10 0.10 0.09
Leverage Ratio		 0.00 8.19 7.83 7.82 8.76 7.99 7.61 7.43 7.96 7.41 7.24
Compound Leverage Factor		 0.00 8.19 7.83 7.82 8.76 7.99 7.61 7.43 7.96 7.41 7.24
Debt to Total Capital		 0.00% 26.31% 13.30% 12.77% 12.19% 11.99% 11.69% 8.81% 5.59% 5.54% 5.59%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 0.00% 26.31% 13.30% 12.77% 12.19% 11.99% 11.69% 8.81% 5.59% 5.54% 5.59%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 0.00% 73.69% 86.70% 87.23% 87.81% 88.01% 88.32% 91.19% 94.41% 94.46% 94.41%
Debt to EBITDA		 0.00 2.78 0.00 0.00 0.00 -51.53 6.68 2.04 0.48 0.48 0.50
Net Debt to EBITDA		 0.00 0.43 0.00 0.00 0.00 235.36 -35.08 -14.55 -7.53 -5.17 -5.56
Long-Term Debt to EBITDA		 0.00 2.78 0.00 0.00 0.00 -51.53 6.68 2.04 0.48 0.48 0.50
Debt to NOPAT		 0.00 3.97 0.00 0.00 0.00 12.83 4.05 1.69 0.53 0.54 0.57
Net Debt to NOPAT		 0.00 0.62 0.00 0.00 0.00 -58.61 -21.26 -12.07 -8.29 -5.81 -6.28
Long-Term Debt to NOPAT		 0.00 3.97 0.00 0.00 0.00 12.83 4.05 1.69 0.53 0.54 0.57
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 0.00 -332 -336 -583 -174 -247 -250 -15 -12 3.43
Operating Cash Flow to CapEx		 0.00% -13,390.48% 9,048.31% 223.91% 10,000.00% 16,640.85% 6,650.48% 39,476.47% 14,793.52% 21,119.19% 3,616.53%
Free Cash Flow to Firm to Interest Expense		 0.00 0.00 -30.87 -30.99 -33.92 -9.64 -16.98 -17.42 -1.04 -0.94 0.29
Operating Cash Flow to Interest Expense		 1.35 -0.84 0.75 0.03 1.06 1.31 0.48 0.93 1.09 1.57 0.73
Operating Cash Flow Less CapEx to Interest Expense		 1.36 -0.85 0.74 0.02 1.05 1.30 0.47 0.93 1.08 1.57 0.71
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.00 0.04 0.00 0.00 0.00 0.04 0.05 0.06 0.04 0.04 0.04
Fixed Asset Turnover		 0.00 7.35 0.00 0.00 0.00 9.51 11.53 13.57 13.62 14.02 14.29
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 0.00 391 337 336 567 582 602 600 598 610 612
Invested Capital Turnover		 0.00 0.25 0.00 0.00 0.00 0.26 0.32 0.37 0.31 0.30 0.30
Increase / (Decrease) in Invested Capital		 0.00 0.00 337 336 567 191 264 264 31 29 10
Enterprise Value (EV)		 0.00 0.00 235 188 -70 217 90 135 13 234 193
Market Capitalization		 0.00 0.00 276 250 476 536 459 512 539 600 570
Book Value per Share		 $0.00 $0.00 $15.79 $15.82 $26.85 $15.91 $16.52 $16.89 $17.37 $17.84 $17.87
Tangible Book Value per Share		 $0.00 $0.00 $13.68 $13.73 $19.55 $11.74 $12.38 $12.84 $13.36 $13.83 $13.90
Total Capital		 0.00 391 337 336 567 582 602 600 598 610 612
Total Debt		 0.00 103 45 43 69 70 70 53 33 34 34
Total Long-Term Debt		 0.00 103 45 43 69 70 70 53 33 34 34
Net Debt		 0.00 16 -42 -62 -545 -318 -369 -377 -526 -366 -377
Capital Expenditures (CapEx)		 -0.04 0.06 0.09 0.14 0.18 0.14 0.11 0.03 0.11 0.10 0.24
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.70 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 0.00 103 45 43 69 70 70 53 33 34 34
Total Depreciation and Amortization (D&A)		 -0.03 -0.06 -0.30 -0.10 -3.82 -5.40 -4.84 -4.48 -4.25 -3.54 -3.33
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.23 $0.27 $0.01 ($0.59) $0.53 $0.52 $0.43 $0.48 $0.52 $0.43
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Adjusted Diluted Earnings per Share		 $0.00 $0.24 $0.26 $0.01 ($0.59) $0.54 $0.52 $0.43 $0.48 $0.50 $0.42
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 18.53M 18.55M 32.17M 32.40M 32.41M 32.52M 32.32M 32.33M 32.16M
Normalized Net Operating Profit after Tax (NOPAT)		 6.56 4.41 5.31 0.53 -5.55 17 17 14 16 16 14
Normalized NOPAT Margin		 27.23% 19.65% 24.23% 2.37% -14.55% 37.84% 37.60% 31.85% 34.71% 35.78% 31.19%
Pre Tax Income Margin		 39.01% 28.03% 33.13% 1.25% -59.10% 51.06% 52.83% 45.34% 48.28% 48.78% 43.17%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 1.14 0.63 0.67 0.03 -1.31 1.29 1.63 1.40 1.49 1.69 1.63
NOPAT to Interest Expense		 0.80 0.44 0.46 0.02 -0.92 0.93 1.16 0.98 1.07 1.24 1.18
EBIT Less CapEx to Interest Expense		 1.15 0.62 0.67 0.01 -1.32 1.28 1.62 1.39 1.48 1.68 1.61
NOPAT Less CapEx to Interest Expense		 0.80 0.43 0.45 0.00 -0.93 0.92 1.15 0.98 1.06 1.23 1.16
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.16% 10.84%
Augmented Payout Ratio		 0.00% 3.43% 0.00% 0.00% 0.00% 36.19% 14.48% 8.15% 6.20% 14.72% 33.69%

Financials Breakdown Chart

Key Financial Trends

California BanCorp (NASDAQ: BCAL) showed a much stronger start to 2026 than the prior quarter, but the underlying trend over the last year remains mixed. In Q1 2026, the company earned $13.8 million, up from $16.4 million in Q4 2025 but well above the weak Q1 2025 result on a quarterly basis. Earnings and operating cash flow improved sharply from the prior-year quarter, while the balance sheet remained well capitalized with equity of about $577.8 million. That said, deposit declines in late 2025 and a shrinking loan book compared with a year earlier are still notable issues for investors to watch.

  • Q1 2026 net income was solid at $13.8 million, and diluted EPS came in at $0.42, indicating the bank remained profitable despite some pressure on revenue mix and balance-sheet growth.
  • Operating cash flow improved to $8.5 million in Q1 2026, up from $6.9 million in Q1 2025, showing the business continued to generate cash from core operations.
  • Q1 2026 pre-tax income rose to $19.1 million, supported by a stable net interest income base of $42.1 million and manageable credit costs.
  • Loan-loss provisioning remained low in Q1 2026 at $381,000, suggesting credit quality was not a major earnings drag in the latest quarter.
  • Common equity increased year over year to $577.8 million from $531.4 million in Q1 2025, which points to a stronger capital base.
  • Retained earnings continued to build, rising to $146.4 million in Q1 2026 from $92.9 million a year earlier, reflecting cumulative profitability.
  • Net interest income was fairly steady at $42.1 million in Q1 2026 versus $42.3 million in Q1 2025, so the core spread business has been stable rather than accelerating.
  • Non-interest income remains modest and somewhat volatile, at $2.1 million in Q1 2026, still a small part of total revenue.
  • The company continued returning capital to shareholders through dividends and share repurchases, which can support total return but also reduces retained cash for growth.
  • Deposits fell sharply in Q4 2025, with net change in deposits down $89.1 million, after an even larger increase in prior quarters. That kind of volatility can pressure funding stability.
  • The loan and lease portfolio was smaller than a year ago, falling to $2.97 billion in Q1 2026 from $3.07 billion in Q1 2025, suggesting limited balance-sheet growth.
  • Interest expense remains a meaningful cost, with Q1 2026 deposit interest expense of $11.0 million and cash interest paid of $11.6 million, keeping pressure on margins.
  • Q4 2025 showed a notable profit and cash-flow drop, with net income down to $16.4 million from $13.8 million in Q1 2026 and operating cash flow falling to $20.9 million from $8.5 million in Q1 2026, highlighting quarter-to-quarter volatility.

Bottom line: BCAL looks profitable and well capitalized, and Q1 2026 suggests the bank is still generating healthy earnings and cash. However, investors should keep an eye on deposit trends, loan growth, and whether the bank can expand revenue without relying too heavily on a stable but not growing net interest income base.

07/26/26 11:17 PM ETAI Generated. May Contain Errors.

California BanCorp Financials - Frequently Asked Questions

According to the most recent income statement we have on file, California BanCorp's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

California BanCorp's net income appears to be on an upward trend, with a most recent value of $63.06 million in 2025, rising from $25.91 million in 2023. The previous period was $5.43 million in 2024. View California BanCorp's forecast to see where analysts expect California BanCorp to go next.

Over the last 2 years, California BanCorp's total revenue changed from $97.52 million in 2023 to $180.18 million in 2025, a change of 84.8%.

California BanCorp's total liabilities were at $3.46 billion at the end of 2025, a 1.8% decrease from 2024, and a 66.8% increase since 2023.

In the past 2 years, California BanCorp's cash and equivalents has ranged from $33.01 million in 2023 to $60.47 million in 2024, and is currently $52.01 million as of their latest financial filing in 2025.

Over the last 2 years, California BanCorp's book value per share changed from 0.00 in 2023 to 17.84 in 2025, a change of 1,783.9%.


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Financial statements for NASDAQ:BCAL last updated on 7/9/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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