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Financials · BCAL

California BanCorp (BCAL) financials

For the twelve months ended Sep 30, 2026, California BanCorp reported $181.07M of revenue and $58.53M of net income.

Revenue, TTM
$181.07M
Revenue growth, YoY
+0.7%
Net income, TTM
$58.53M
Net income growth, YoY
-7.7%
Net margin
32.3%
Free cash flow, TTM
$51.29M
EPS, diluted, TTM
$1.79
Cash
$266.65M
Total debt
$0
P/E
12.13
P/S
3.92
Market cap
$709.9M
Annual revenue$180.18M
FY2022FY2025
Annual net income$63.06M
FY2022FY2025
Annual free cash flow$56.94M
FY2022FY2025

BCAL revenue and earnings growth

BCAL revenueQ3 2026$46.05M

Quarter YoY
+1.9%
QoQ
+2.5%
FY YoY
+41.0%

BCAL revenue was $46.05M in fiscal Q3 2026 (ended Sep 30, 2026), up 1.9% from a year earlier and up 2.5% from the prior quarter. For the full fiscal 2025 it was $180.18M, up 41.0% from fiscal 2024. It rose in each of the last 3 fiscal years.

BCAL net incomeQ3 2026$14.02M

Quarter YoY
-10.6%
QoQ
-2.0%
FY YoY
12x

BCAL net income was $14.02M in fiscal Q3 2026 (ended Sep 30, 2026), down 10.6% from a year earlier and down 2.0% from the prior quarter. For the full fiscal 2025 it was $63.06M, up about 12-fold from fiscal 2024. It rose in 2 of the last 3 fiscal years.

BCAL EPSQ3 2026$0.43

Quarter YoY
-10.4%
QoQ
-2.3%
FY YoY
+777.3%

BCAL diluted EPS was $0.43 in fiscal Q3 2026 (ended Sep 30, 2026), down 10.4% from a year earlier and down 2.3% from the prior quarter. For the full fiscal 2025 it was $1.93, up 777.3% from fiscal 2024.

BCAL free cash flowQ3 2026$7.88M

Quarter YoY
-50.3%
QoQ
-44.9%
FY YoY
+14.5%

BCAL free cash flow was $7.88M in fiscal Q3 2026 (ended Sep 30, 2026), down 50.3% from a year earlier and down 44.9% from the prior quarter. For the full fiscal 2025 it was $56.94M, up 14.5% from fiscal 2024. It rose in each of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Revenue$180.18M$127.74M$97.52M$91.46M
Interest expense--$29.38M$5.79M
Pre-tax income$87.96M$8.26M$36.86M$21.98M
Income tax$24.90M$2.83M$10.95M$5.87M
Net income$63.06M$5.43M$25.91M$16.11M
EPS, basic$1.95$0.22$1.42$0.90
EPS, diluted$1.93$0.22$1.39$0.88
Diluted shares32.7M24.6M18.7M18.2M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Cash and equivalents$399.91M$388.16M$86.79M$86.76M
Goodwill$110.93M$111.79M$37.80M$37.80M
Total assets$4.03B$4.03B$2.36B$2.28B
Total debt$33.83M$69.72M$102.86M$67.77M
Total liabilities$3.46B$3.52B$2.07B$2.02B
Shareholders' equity$576.59M$511.84M$288.15M$260.36M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Operating cash flow$57.29M$50.29M$33.10M$13.35M
Capital expenditures$346.0K$552.0K$302.0K$1.08M
Free cash flow$56.94M$49.74M$32.80M$12.27M
Investing cash flow$29.75M$524.65M-$78.93M-$512.70M
Financing cash flow-$75.29M-$273.58M$45.86M$6.10M
Dividends paid$3.25M$0--
Share repurchases$3.37M$0$889.0K$574.0K
Stock-based compensation$5.82M$6.24M$4.52M$3.68M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
Revenue growth, YoY41.0%31.0%6.6%-
Net income growth, YoY1060.6%-79.0%60.8%-
EPS growth, YoY777.3%-84.2%58.0%-
Net margin35.0%4.3%26.6%17.6%
Free cash flow margin31.6%38.9%33.6%13.4%
Return on equity10.9%1.1%9.0%6.2%
Return on assets1.6%0.1%1.1%0.7%
Debt to equity0.060.140.360.26

Source: XBRL data California BanCorp files with the SEC, latest filing dated Nov 6, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BCAL peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BCAL$181.07M+0.7%$58.53M32.3%$709.9M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

BCAL FAQ

8 questions
  • What is BCAL revenue?
    California BanCorp (BCAL) reported $181.07M of revenue for the twelve months ended Sep 30, 2026. That is up 0.7% from the year before. Revenue for fiscal 2025 was $180.18M.
  • Is BCAL profitable?
    Yes. California BanCorp earned $58.53M in net income for the twelve months ended Sep 30, 2026, a net margin of 32.3%.
  • How much cash and debt does BCAL have?
    California BanCorp reported $266.65M in cash and cash equivalents and $0 of debt on its most recent balance sheet in SEC filings.
  • How fast is BCAL revenue growing?
    California BanCorp's revenue changed +41.0% in fiscal 2025, to $180.18M.
  • What is BCAL free cash flow?
    California BanCorp generated $51.29M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $52.34M less capital expenditures.
  • What is BCAL earnings per share?
    Diluted earnings per share were $1.79 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BCAL last report financial results?
    The latest statements here come from California BanCorp's 10-Q filed on Nov 6, 2026, covering the period ended Sep 30, 2026.
  • Where does this BCAL financial data come from?
    Quantisnow builds these statements from the structured XBRL data California BanCorp files with the SEC. It is provided for information only and is not investment advice.