California BanCorp \ CA
BCAL Nasdaq· National Commercial Banks
Last close · Oct 26, 2026
$21.97
KIRA · Stoqly’s AI analyst, in plain words
- California BanCorp \ CA had $180M of revenue in fiscal 2025, up 41.0% on the year before.
- California BanCorp \ CA made $63.1M of net profit in fiscal 2025. From fiscal 2022 to 2025, diluted EPS grew 29.9% a year.
- California BanCorp \ CA returned $6.6M to shareholders in fiscal 2025, 12% of free cash flow. The diluted share count rose 33.0%.
- It earned 11.6% on shareholders’ money. Running costs took 56.1% of revenue (the efficiency ratio; lower is better).
Market cap
$712M
P/E
11.9x
Revenue
$180M
Net income
$63.1M
Return on equity
11.6%
Efficiency ratio
56.1%
California BanCorp \ CA in 30 seconds · fiscal 2025
Are sales growing?
+41.0%
Yes. Sales grew 41.0% last year.
Does it make a profit?
35.0%
Yes. It keeps 35.0% of every sale as profit.
How lean are its costs?
56.1%
Average. Running costs take 56.1% of revenue.
How much does it earn on its capital?
11.6%
Fair. It earns 11.6% a year on shareholders’ money.
How is the share priced?
11.9x
One share costs 11.9 times its yearly profit per share.
What California BanCorp \ CA does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 13, 2026
- Legal name
- California BanCorp \ CA
- CIK
- 0001795815
California BanCorp \ CA · BCAL
Results and finances
The last 4 fiscal years. Amounts in USD.
| Fiscal year | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|
| Sales and profit | ||||
| Revenue | $91.5M | $97.5M | $128M | $180M |
| Revenue growth | — | 6.6% | 31.0% | 41.0% |
| Net interest income | $87.8M | $94.1M | $123M | $169M |
| Net income | $16.1M | $25.9M | $5.4M | $63.1M |
| Net margin | 17.6% | 26.6% | 4.3% | 35.0% |
| Diluted EPS | $0.88 | $1.39 | $0.22 | $1.93 |
| Cash | ||||
| 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 |
| FCF margin | 13.4% | 33.6% | 38.9% | 31.6% |
| Dividends paid | — | — | $0.0M | $3.3M |
| Share buybacks | $0.6M | $0.9M | $0.0M | $3.4M |
| Share count change | — | 2.4% | 32.0% | 33.0% |
| Debt and strength | ||||
| Cash and short-term investments | $86.8M | $86.8M | $388M | $400M |
| Debt incl. finance leases | $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 |
| Shareholders' equity | $260M | $288M | $512M | $577M |
| Returns and quality | ||||
| Return on equity | 6.2% | 9.4% | 1.4% | 11.6% |
| Return on tangible equity | 7.3% | 10.4% | 1.4% | 14.1% |
| Efficiency ratio | 69.5% | 61.3% | 76.6% | 56.1% |
| Piotroski F-score | — | 5 | 4 | 5 |
Insiders bought, 12 months
$0.5M
2 insiders
Insiders sold, 12 months
$46.5M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
California BanCorp \ CA · BCAL
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $21.97 a share, the company is worth $712M: 11.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001795815). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.