California BanCorp \ CA
BCAL Nasdaq National Commercial Banks Financials FY2022–FY2025
Revenue
Total sales reported in the income statement.
$180M
41.0%
vs prior year
Efficiency ratio
Noninterest expense as a share of revenue. Lower is better for banks.
56.1%
20.5 pts
Net income
Profit after all expenses, interest and tax.
$63.1M
1,060.6%
Return on equity
Net income as a share of average shareholders' equity.
11.6%
10.2 pts
Market cap
Last close times the latest diluted share count, so it is approximate.
—
P/E
Last close divided by diluted earnings per share over the last four quarters.
—
On $1.84 EPS (TTM)
What California BanCorp \ CA does
No business description yet.
- Legal name
- California BanCorp \ CA
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Accession · CIK
- 0001795815-26-000005
0001795815
Revenue and margins
California BanCorp \ CA had $180M of revenue in fiscal 2025, up 41.0% on the year before.
FY22
Revenue $91.5M
FY23
Revenue $97.5M
FY24
Revenue $128M
FY25
Revenue $180M
Q3 '23
Revenue $24.1M
Q4 '23
Revenue $22.5M
Q1 '24
Revenue $21.9M
Q2 '24
Revenue $22.2M
Q3 '24
Revenue $38.1M
Q4 '24
Revenue $45.5M
Q1 '25
Revenue $44.8M
Q2 '25
Revenue $44.3M
Q3 '25
Revenue $45.2M
Q4 '25
Revenue $45.9M
Q1 '26
Revenue $44.2M
Q2 '26
Revenue $44.9M
FY22
Net interest share 96.0%
Efficiency ratio 69.5%
FY23
Net interest share 96.5%
Efficiency ratio 61.3%
FY24
Net interest share 96.3%
Efficiency ratio 76.6%
FY25
Net interest share 93.8%
Efficiency ratio 56.1%
Net interest share
Efficiency ratio
Q3 '23
Net interest share 96.6%
Efficiency ratio 61.4%
Q4 '23
Net interest share 100.5%
Efficiency ratio 68.3%
Q1 '24
Net interest share 93.6%
Efficiency ratio 68.4%
Q2 '24
Net interest share 94.7%
Efficiency ratio 85.7%
Q3 '24
Net interest share 96.9%
Efficiency ratio 98.9%
Q4 '24
Net interest share 97.8%
Efficiency ratio 57.4%
Q1 '25
Net interest share 94.3%
Efficiency ratio 55.6%
Q2 '25
Net interest share 93.5%
Efficiency ratio 56.1%
Q3 '25
Net interest share 94.1%
Efficiency ratio 51.7%
Q4 '25
Net interest share 93.5%
Efficiency ratio 60.8%
Q1 '26
Net interest share 95.2%
Efficiency ratio 57.7%
Q2 '26
Net interest share 96.5%
Efficiency ratio 54.2%
Net interest share
Efficiency ratio
Net income and earnings per share
From fiscal 2022 to 2025, diluted EPS grew 29.9% a year. Loss periods are shown in red.
FY22
Net income $16.1M
FY23
Net income $25.9M
FY24
Net income $5.4M
FY25
Net income $63.1M
Q3 '23
Net income $6.6M
Q4 '23
Net income $4.4M
Q1 '24
Net income $4.9M
Q2 '24
Net income $0.2M
Q3 '24
Net income −$16.5M
Q4 '24
Net income $16.8M
Q1 '25
Net income $16.9M
Q2 '25
Net income $14.1M
Q3 '25
Net income $15.7M
Q4 '25
Net income $16.4M
Q1 '26
Net income $13.8M
Q2 '26
Net income $14.3M
FY22
Diluted EPS $0.88
FY23
Diluted EPS $1.39
FY24
Diluted EPS $0.22
FY25
Diluted EPS $1.93
Q3 '23
Diluted EPS $0.35
Q4 '23
Diluted EPS $0.24
Q1 '24
Diluted EPS $0.26
Q2 '24
Diluted EPS $0.01
Q3 '24
Diluted EPS −$0.59
Q4 '24
Diluted EPS $0.54
Q1 '25
Diluted EPS $0.52
Q2 '25
Diluted EPS $0.43
Q3 '25
Diluted EPS $0.48
Q4 '25
Diluted EPS $0.50
Q1 '26
Diluted EPS $0.42
Q2 '26
Diluted EPS $0.44
Returns and efficiency
For banks, return on equity and the efficiency ratio (costs as a share of revenue) say most about how well the business runs.
FY22
ROE 6.2%
ROTE 7.3%
Efficiency ratio 69.5%
FY23
ROE 9.4%
ROTE 10.4%
Efficiency ratio 61.3%
FY24
ROE 1.4%
ROTE 1.4%
Efficiency ratio 76.6%
FY25
ROE 11.6%
ROTE 14.1%
Efficiency ratio 56.1%
ROE
ROTE
Efficiency ratio
Dividends, buybacks and share count
California BanCorp \ CA returned $6.6M to shareholders in fiscal 2025, 12% of free cash flow. The diluted share count rose 33.0%.
FY22
Dividends —
Buybacks $0.6M
FY23
Dividends —
Buybacks $0.9M
FY24
Dividends $0.0M
Buybacks $0.0M
FY25
Dividends $3.3M
Buybacks $3.4M
Dividends
Buybacks
Q3 '23
Dividends —
Buybacks $0.1M
Q4 '23
Dividends —
Buybacks $0.4M
Q1 '24
Dividends —
Buybacks $0.5M
Q2 '24
Dividends —
Buybacks $0.1M
Q3 '24
Dividends —
Buybacks $0.3M
Q4 '24
Dividends —
Buybacks −$1.0M
Q1 '25
Dividends $0.0M
Buybacks $0.0M
Q2 '25
Dividends $0.0M
Buybacks $0.0M
Q3 '25
Dividends —
Buybacks $2.9M
Q4 '25
Dividends —
Buybacks $0.4M
Q1 '26
Dividends $3.2M
Buybacks $7.4M
Q2 '26
Dividends $3.2M
Buybacks $2.0M
Dividends
Buybacks
FY22
Diluted shares 0.02B
FY23
Diluted shares 0.02B
FY24
Diluted shares 0.02B
FY25
Diluted shares 0.03B
Balance sheet
Loans, deposits and capital at each fiscal year end.
FY22
Loans $1.9B
Deposits $1.9B
FY23
Loans $1.9B
Deposits $1.9B
FY24
Loans $3.1B
Deposits $3.4B
FY25
Loans $3.0B
Deposits $3.4B
Loans
Deposits
| Fiscal year end | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Loans, net | $1.9B | $1.9B | $3.1B | $3.0B |
| Deposits | $1.9B | $1.9B | $3.4B | $3.4B |
| Loans / deposits | 97.3% | 99.6% | 90.9% | 89.0% |
| Total assets | $2.3B | $2.4B | $4.0B | $4.0B |
| Shareholders' equity | $260M | $288M | $512M | $577M |
| Goodwill | $37.8M | $37.8M | $112M | $111M |
| Intangible assets | $1.6M | $1.2M | $22.3M | $18.5M |
Insider trades
Open-market purchases and sales by officers, directors and 10% owners, from Form 4 filings. 'Plan' marks trades under a pre-arranged Rule 10b5-1 plan.
Bought, 12 months
$0.0M
0 insiders
Sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
No open-market insider trades in the last 12 months.
4 years of figures
US$ millions unless stated. Hover a ratio's name for its definition.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $91.5M | $97.5M | $128M | $180M |
| Net interest income | $87.8M | $94.1M | $123M | $169M |
| Noninterest income | $3.7M | $3.4M | $4.8M | $11.1M |
| Noninterest expense | $63.5M | $59.7M | $97.8M | $101M |
| Interest expense | $5.8M | $29.4M | — | — |
| Pretax income | $22.0M | $36.9M | $8.3M | $88.0M |
| Income tax | $5.9M | $10.9M | $2.8M | $24.9M |
| Net income | $16.1M | $25.9M | $5.4M | $63.1M |
| Diluted EPS | $0.88 | $1.39 | $0.22 | $1.93 |
| Diluted shares | 0.02B | 0.02B | 0.02B | 0.03B |
| Cash flow | ||||
| Cash from operations | $13.4M | $33.1M | $50.3M | $57.3M |
| Capital expenditure | $1.1M | $0.3M | $0.6M | $0.3M |
| Free cash flow | $12.3M | $32.8M | $49.7M | $56.9M |
| Depreciation and amortization | $1.6M | $1.5M | $1.8M | $1.8M |
| Stock-based compensation | $3.7M | $4.5M | $6.2M | $5.8M |
| Acquisitions | — | $0.0M | −$336M | $0.0M |
| Share buybacks | $0.6M | $0.9M | $0.0M | $3.4M |
| Dividends paid | — | — | $0.0M | $3.3M |
| Dividends and buybacks | $0.6M | $0.9M | $0.0M | $6.6M |
| Balance sheet | ||||
| Cash and short-term investments | $86.8M | $86.8M | $388M | $400M |
| Total debt | $67.8M | $103M | $69.7M | $33.8M |
| Loans, net | $1.9B | $1.9B | $3.1B | $3.0B |
| Deposits | $1.9B | $1.9B | $3.4B | $3.4B |
| Property and equipment, net | $14.3M | $13.3M | $13.6M | $12.1M |
| Goodwill | $37.8M | $37.8M | $112M | $111M |
| Intangible assets | $1.6M | $1.2M | $22.3M | $18.5M |
| Total assets | $2.3B | $2.4B | $4.0B | $4.0B |
| Total liabilities | $2.0B | $2.1B | $3.5B | $3.5B |
| Preferred stock | $0.0M | $0.0M | $0.0M | $0.0M |
| Shareholders' equity | $260M | $288M | $512M | $577M |
| Margins | ||||
| Net margin | 17.6% | 26.6% | 4.3% | 35.0% |
| FCF margin | 13.4% | 33.6% | 38.9% | 31.6% |
| Net interest share of revenue | 96.0% | 96.5% | 96.3% | 93.8% |
| Efficiency ratio | 69.5% | 61.3% | 76.6% | 56.1% |
| Returns | ||||
| Return on equity | 6.2% | 9.4% | 1.4% | 11.6% |
| Return on assets | 0.7% | 1.1% | 0.2% | 1.6% |
| Return on tangible equity | 7.3% | 10.4% | 1.4% | 14.1% |
| Growth | ||||
| Revenue growth | — | 6.6% | 31.0% | 41.0% |
| Net income growth | — | 60.8% | −79.0% | 1,060.6% |
| EPS growth | — | 58.0% | −84.2% | 777.3% |
| FCF growth | — | 167.3% | 51.6% | 14.5% |
| Share count change | — | 2.4% | 32.0% | 33.0% |
| Financial health | ||||
| Debt / equity | 0.3x | 0.4x | 0.1x | 0.1x |
| Loans / deposits | 97.3% | 99.6% | 90.9% | 89.0% |
| Capital allocation | ||||
| Capex / revenue | 1.2% | 0.3% | 0.4% | 0.2% |
| Stock comp / revenue | 4.0% | 4.6% | 4.9% | 3.2% |
| Payouts / FCF | 4.7% | 2.7% | 0.0% | 11.6% |
| Quality scores | ||||
| Piotroski F-score | — | 5.0 | 4.0 | 5.0 |
| Accruals ratio | 0.1% | −0.3% | −1.4% | 0.1% |
Source: SEC EDGAR XBRL filings (CIK 0001795815). Data updated October 24, 2026. Quarterly fourth quarters are the full year minus the first nine months. For information only — not investment advice. Check the original filings before relying on any figure.