BCAL · California Bancorp \ Ca - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $374.0K | - | - | - | $546.0K | - | - | - | $370.0K | - |
| Operating Income | $19.09M | - | $21.82M | $20.07M | $23.68M | - | ($22.53M) | $278.0K | $7.26M | - |
| Interest Expense | - | - | - | - | - | - | - | - | $10.77M | - |
| Income Tax | $5.30M | - | $6.13M | $5.97M | $6.82M | - | ($6.06M) | $88.0K | $2.32M | - |
| Net Income | $13.79M | - | $15.68M | $14.10M | $16.85M | - | ($16.46M) | $190.0K | $4.93M | - |
| EPS - Basic | $0.43 | - | $0.48 | $0.43 | $0.52 | - | ($0.59) | $0.01 | $0.27 | - |
| EPS - Diluted | $0.42 | - | $0.48 | $0.43 | $0.52 | - | ($0.59) | $0.01 | $0.26 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $411.14M | $399.91M | $559.22M | $430.14M | $439.24M | $388.16M | $614.42M | $104.73M | $86.54M | $86.79M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $4.05B | $4.03B | $4.10B | $3.95B | $3.98B | $4.03B | $4.36B | $2.29B | $2.29B | $2.36B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $34.22M | $33.83M | $33.44M | $52.88M | $70.31M | $69.72M | $69.14M | $42.91M | $44.89M | $102.86M |
| Total Liabilities | $3.47B | $3.46B | $3.54B | $3.41B | $3.45B | $3.52B | $3.86B | $2.00B | $2.00B | $2.07B |
| Stockholders' Equity | $577.84M | $576.59M | $564.72M | $547.59M | $531.38M | $511.84M | $498.06M | $293.22M | $292.50M | $288.15M |
| Retained Earnings | $146.35M | $135.81M | $122.64M | $106.96M | $92.86M | $76.01M | $59.24M | $75.70M | $75.51M | $70.58M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $8.54M | - | - | - | $6.98M | - | - | - | $8.05M | - |
| Investing Cash Flow | ($8.46M) | - | - | - | $101.33M | - | - | - | $62.52M | - |
| Financing Cash Flow | $11.15M | - | - | - | ($57.24M) | - | - | - | ($70.82M) | - |
| CapEx | $236.0K | - | - | - | $105.0K | - | - | - | $89.0K | - |
| Free Cash Flow | $8.30M | - | - | - | $6.88M | - | - | - | $7.96M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 0.60 | - | - | - | 0.41 | - | - | - | 1.61 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 27.8% | - | 28.1% | 29.8% | 28.8% | - | - | 31.7% | 32.0% | - |
| Return on assets | 0.3% | - | 0.4% | 0.4% | 0.4% | - | -0.4% | 0.0% | 0.2% | - |
| Return on equity | 2.4% | - | 2.8% | 2.6% | 3.2% | - | -3.3% | 0.1% | 1.7% | - |
| Return on invested capital | 2.3% | - | 2.6% | 2.3% | 2.8% | - | -3.1% | 0.1% | 1.5% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.06 | 0.06 | 0.06 | 0.10 | 0.13 | 0.14 | 0.14 | 0.15 | 0.15 | 0.36 |
| Debt / Assets | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.04 |
| Debt / EBITDA | 1.76 | - | - | - | 2.90 | - | - | - | 5.89 | - |
| Interest coverage | - | - | - | - | - | - | - | - | 0.7x | - |
| Equity multiplier | 7.01 | 7.00 | 7.26 | 7.22 | 7.50 | 7.88 | 8.76 | 7.82 | 7.83 | 8.19 |
| Liabilities / Assets | 0.86 | 0.86 | 0.86 | 0.86 | 0.87 | 0.87 | 0.89 | 0.87 | 0.87 | 0.88 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 42.2x | - | 34.8x | 36.7x | 27.6x | - | - | 1347.0x | 57.3x | - |
| P / B | 1.0x | - | 1.0x | 0.9x | 0.9x | - | 0.8x | 0.9x | 1.0x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 10.4x | - | - | - | 4.1x | - | - | - | 31.3x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | -19.4% | - | - | 7120.9% | 226.3% | - | - | - | -35.4% | - |
| Net income growth (YoY) | -18.2% | - | - | 7320.5% | 241.5% | - | - | -97.2% | 241.3% | - |
| EPS growth (YoY) | -19.2% | - | - | 4200.0% | 100.0% | - | - | -97.2% | -40.9% | - |
| EPS CAGR (3y) | -1.5% | - | - | - | - | - | - | - | - | - |
| EPS CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| FCF growth (YoY) | 20.7% | - | - | - | -13.6% | - | - | - | - | - |
| FCF CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Book value growth (YoY) | 8.7% | 12.7% | 13.4% | 86.8% | 81.7% | 77.6% | 99.7% | 19.5% | 14.0% | - |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Product / service
$4.57M totalDeposit Account$3.17M · 69.4%
Interchange And ATMIncome$1.40M · 30.6%
Peer comparison
Same SIC group: National Commercial Banks
Comparing California BanCorp \ CA against the 5 most active filers in the same SIC group.
Dividends
$0.20/share trailing 12 months
| Ex-date | Per share |
|---|---|
| Mar 24, 2026 | $0.1000 |
| Dec 24, 2025 | $0.1000 |