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CoverageForm 410-K10-Q8-K13D13G13F

CALB · California Bancorp - 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.
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AnnualQuarterly

Income Statement

Line itemQ1 '24Q4 '23Q3 '23Q2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21
Revenue----------
Cost of Revenue----------
Gross Profit----------
R&D----------
SG&A----------
Total Operating Expenses----------
D&A----------
Operating Income$5.59M-$7.71M$7.73M$7.66M-$4.33M$5.87M$3.88M-
Interest Expense$9.67M-$9.52M$8.53M$6.78M-$2.81M$1.48M$1.40M-
Income Tax$1.77M-$2.31M$2.29M$2.21M-$2.31M$1.63M$1.52M-
Net Income$3.82M-$5.40M$5.44M$5.45M-$5.52M$4.24M$3.67M-
EPS - Basic$0.45-$0.64$0.65$0.65-$0.66$0.51$0.44-
EPS - Diluted$0.45-$0.64$0.65$0.64-$0.66$0.51$0.44-

Balance Sheet

Line itemQ1 '24Q4 '23Q3 '23Q2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21
Cash & Equivalents$203.10M$212.35M$198.98M$207.67M$213.93M$232.38M$241.05M$158.44M$224.53M$470.46M
Accounts Receivable----------
Inventory----------
Accounts Payable----------
Current Assets----------
Total Assets$1.92B$1.99B$1.98B$2.01B$2.05B$2.04B$2.05B$1.89B$1.86B$2.01B
Current Liabilities----------
Long-term Debt----------
Total Liabilities$1.72B$1.79B$1.79B$1.82B$1.87B$1.87B$1.88B$1.73B$1.71B$1.86B
Stockholders' Equity$200.69M$196.46M$190.12M$184.24M$178.56M$172.25M$164.06M$158.74M$154.57M$150.75M
Retained Earnings$87.98M$84.17M$78.82M$73.42M$68.08M$62.30M$54.63M$49.11M$44.86M$41.19M

Cash Flow

Line itemQ1 '24Q4 '23Q3 '23Q2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21
Operating Cash Flow($5.31M)---$2.72M---($462.0K)-
Investing Cash Flow$56.78M---($22.05M)---($91.64M)-
Financing Cash Flow($60.73M)---$876.0K---($153.82M)-
CapEx$7.0K---$26.0K---$29.0K-
Free Cash Flow($5.31M)---$2.70M---($491.0K)-

Ratios

MetricQ1 '24Q4 '23Q3 '23Q2 '23Q1 '23Q4 '22Q3 '22Q2 '22Q1 '22Q4 '21
Profitability
Gross margin----------
Operating margin----------
EBITDA margin----------
Net margin----------
Free cash flow margin----------
FCF / Net income-1.39---0.49----0.13-
R&D / Revenue----------
SG&A / Revenue----------
Effective tax rate31.7%-29.9%29.7%28.9%-29.5%27.7%29.3%-
Return on assets0.2%-0.3%0.3%0.3%-0.3%0.2%0.2%-
Return on equity1.9%-2.8%3.0%3.1%-3.4%2.7%2.4%-
Return on invested capital----------
Liquidity
Current ratio----------
Quick ratio----------
Cash ratio----------
Leverage
Debt / Equity----------
Debt / Assets----------
Debt / EBITDA----------
Interest coverage0.6x-0.8x0.9x1.1x-1.5x4.0x2.8x-
Equity multiplier9.5810.1110.4410.8911.4911.8612.4911.8812.0313.37
Liabilities / Assets0.900.900.900.910.910.920.920.920.920.93
Efficiency
Asset turnover----------
Inventory turnover----------
Days sales outstanding----------
Days inventory outstanding----------
Days payable outstanding----------
Cash conversion cycle----------
Valuation
P / E----------
P / B----------
P / S----------
EV / EBITDA----------
Growth
Revenue growth (YoY)----------
Revenue CAGR (3y)----------
Revenue CAGR (5y)----------
Gross profit growth (YoY)----------
Operating income growth (YoY)-27.1%-78.0%31.7%97.7%-0.0%1.1%0.0%-
Net income growth (YoY)-30.0%--2.2%28.2%48.4%-71.7%2.0%30.8%-
EPS growth (YoY)-29.7%--3.0%27.5%45.5%-69.2%2.0%29.4%-
EPS CAGR (3y)9.8%-36.8%50.7%120.1%-----
EPS CAGR (5y)----------
FCF growth (YoY)----------
FCF CAGR (5y)----------
Book value growth (YoY)12.4%14.1%15.9%16.1%15.5%14.3%11.4%10.4%11.1%10.5%

Peer comparison

Same SIC group: State Commercial Banks

CompanyRevenue (last FY)Net marginROE
ASB--9.5%
CZNC$5.98M392.0%6.9%
SBSI--8.2%
CBSH--14.9%
BUSE$719.58M18.8%5.5%

Comparing California BanCorp against the 5 most active filers in the same SIC group.