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Friday 6 November 2026 Export BCAL’s income statement to Excel — free account

California BanCorp

BCAL Financial Banks Regional

California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024.

Revenue
−3.68%
EPS
+2.33%
Free cash flow
+6.82%

Quarter to June 2026, against a year earlier

21.67 0.52 −2.34%
Market cap
$690.8M
P/E
11.7×
Fwd P/E
12.2×
Dividend yield
1.94%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.51
Sold, $m 46.51
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — 1 — — — — — — 1 — —
Sell — 1 — 1 — 2 — 1 — — — —
Insider Ownership 11.59%

Capital & Financial Ratios $m

Size
Market Cap 690.81
Revenue ttm 231.44
Net income ttm 60.20
Free cash flow ttm 59.28
Net debt Q (264.95)
Valuation
P/E 11.65
Forward P/E 12.20
Price / sales 3.01
Forward P/S Powerpack
Price / FCF 11.76
Price / book 1.19
Financial health
Current ratio Q 0.99
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q −3.68% (below 0%: shrinking)
Operating income growth Q −1.14% (below 0%: shrinking)
EPS, this year −9.38% (below 0%: weak)
EPS, next year A +8.17%
Revenue, next year A −23.06% (below 0%: weak)
EPS, past 5 yrs +31.54% (at or above 15%: strong)
EPS, next 5 yrs A +1.52%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 58.38%
10-year low 10-year high
P/S against its own 10 years 89.12%
10-year low 10-year high
P/B against its own 10 years 95.84%
10-year low 10-year high

Dividends

Yield
1.94%
Annual rate
0.42
Payout ratio
22.8%
  1. 0.10 ’25
  2. 0.44 ’26e +340
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 87 388 400 265
Receivables — — — —
Inventory — — — —
Other — — — —
2,049 3,530 3,462 3,376
2023 2024 2025 Q'26
Payables 1,944 3,399 3,371 3,359
ST’ Debt — — — —
Other — — — —
2,060 3,502 3,438 3,420

Compound Annual Growth %

10y 5y 3y
Sales — 37.44% 34.58%
Cash Flow — 35.90% 62.50%
Earnings — 67.92% 57.59%
Book Value — 27.82% 30.35%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.43 Actual 0.43

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.44 0.50 Beat by 0.06
Q1 FY26 0.41 0.42 Beat by 0.01
Q2 FY26 0.41 0.44 Beat by 0.03
Q3 FY26 0.43 0.43 Met by 0.00
Q4 FY26 0.45 — Reports 27 January 2027

EPS $

Mar Jun Sep Dec Year
’26 0.42 0.44 — — —
’25 0.52 0.43 0.48 0.50 1.93
’24 0.26 0.01 (0.59) 0.51 0.22
’23 0.44 0.36 0.35 0.24 1.39
’22 0.08 (0.04) 0.38 0.47 0.88
’21 — — — — 0.72
’20 — — — — 0.49
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 56 56 — — —
’25 59 59 60 59 237
’24 33 33 55 64 185
’23 31 31 32 32 127
’22 20 23 26 28 97
’21 — — — — 72
’20 — — — — 48
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 9 15 — — —
’25 7 13 16 21 57
’24 8 0 18 24 50
’23 18 12 11 (8) 33
’22 (3) 8 0 9 13
’21 — — — 20 20
’20 — — — — 12
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 8 14 — — —
’25 7 13 16 21 57
’24 8 0 18 23 50
’23 18 12 11 (8) 33
’22 (4) 8 3 9 16
’21 — — — 18 18
’20 — — — — 12
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue — — 28 33 48 72 97 127 185 237 231 +36.0% 182 195 206 (4.7%)
Gross margin, % — — 0.00 0.00 0.00 95.35 94.05 76.84 69.22 76.00 77.87 +76.0 pt
EBT — — 8 10 7 14 22 37 8 88 83 +42.1%
EBT margin, % — — 27.27 29.51 14.00 19.62 22.60 29.04 4.48 37.10 35.92 +9.8 pt
Net income — — 5 7 5 11 16 26 5 63 60 +42.6%
Per share, $
Per share, $ Revenue — — 3.89 3.88 5.10 5.02 5.46 6.95 7.61 7.32 7.20 +9.4%
Earnings — — 0.71 0.78 0.49 0.74 0.90 1.42 0.22 1.95 1.86 +15.5%
Cash flow — — 1.05 0.99 1.30 1.36 0.75 1.81 2.07 1.77 1.87 +7.8%
Capex — — 0.00 0.00 0.00 (0.12) 0.16 (0.02) (0.02) (0.01) (0.03) n/m
Free cash flow — — 1.05 0.99 1.30 1.24 0.91 1.80 2.05 1.76 1.84 +7.7%
Book value — — 14.24 14.32 17.83 17.11 14.61 15.79 21.11 17.80 18.24 +3.2%
Shares, m — — 7 8 9 14 18 18 24 32 32 +24.2%
Valuation, ×
Valuation, × P/E — — 18.52 18.52 18.52 18.52 18.52 12.11 78.76 9.62 11.65 24.1
P/S — — 0.00 0.00 0.00 0.00 3.07 2.47 2.17 2.55 3.01 1.3
P/B — — 0.00 0.00 0.00 0.00 1.15 1.09 0.78 1.05 1.19 0.5
EV/Sales — — 0.00 0.00 0.00 0.00 2.18 1.79 0.07 0.86 — 0.6
EV/FCF — — 0.00 0.00 0.00 0.00 13.09 6.92 0.26 3.60 — 3.0
Cash, $m
Cash, $m Operating cash flow — — 7 8 12 20 13 33 50 57 60 +33.9%
Capex — — (1) (3) (2) (2) 3 0 (1) 0 (1) (8.7%)
Free cash flow — — 7 8 12 18 16 33 50 57 59 +33.8%
Balance, $m
Balance, $m Working capital — — — — — 78 (21) (11) 28 24 (45) (25.7%)
Net debt — — 35 35 209 (580) (87) (87) (388) (400) (265) n/m
Shareholders’ equity — — 101 121 169 247 260 288 512 577 587 +28.3%
Returns, %
Returns, % ROA — — 0.00 0.85 0.39 0.56 0.71 1.12 0.17 1.56 1.51 +1.6 pt
ROIC — — 0.00 0.00 0.00 0.00 8.34 11.44 12.41 31.12 16.15 +31.1 pt
ROE — — 0.00 6.10 3.26 5.15 6.36 9.45 1.36 11.59 10.61 +11.6 pt
People
People Employees — — — — — — 200 204 289 288 — +12.9%
Revenue/emp, $m — — 0.00 0.00 0.00 0.00 0.49 0.62 0.64 0.82 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

California BanCorp vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
CBNK Capital Bancorp, Inc. $695.6M 12.5× 12.0× +8.53% (above 0%: growing) +10.13% (above 0%: growing) −18.20% (below 0%: shrinking) 77.43% 0.00% Compare
BHB Bar Harbor Bankshares, Inc. $691.9M 13.9× 11.2× +26.82% (above 0%: growing) +127.50% (above 0%: growing) +563.60% (above 0%: growing) 73.41% 0.00% Compare
BCAL California BanCorp $690.8M 11.7× 12.2× −3.68% (below 0%: shrinking) +2.33% (above 0%: growing) +6.82% (above 0%: growing) 79.50% 0.00%
RRBI Red River Bancshares, Inc. $687.9M 15.0× 14.2× +6.30% (above 0%: growing) +18.54% (above 0%: growing) +237.31% (above 0%: growing) 76.50% 0.00% Compare
ACNB ACNB Corporation $666.0M 12.1× 11.3× +6.05% (above 0%: growing) +8.39% (above 0%: growing) −101.87% (below 0%: shrinking) 81.15% 0.00% Compare
CCB Coastal Financial Corporation $661.2M — (loss-making) 1,443× +37.72% (above 0%: growing) 0.00% −104.10% (below 0%: shrinking) 85.92% 0.00% Compare
HIFS Hingham Institution for Savings $659.4M 10.0× — +33.46% (above 0%: growing) +168.29% (above 0%: growing) −29.97% (below 0%: shrinking) 59.45% 0.00% Compare
MSBI Midland States Bancorp, Inc. $657.4M 14.0× 9.6× −1.90% (below 0%: shrinking) +295.83% (above 0%: growing) −51.81% (below 0%: shrinking) 73.94% 0.00% Compare
TCBX Third Coast Bancshares, Inc. $653.2M 8.5× 10.3× +17.59% (above 0%: growing) −6.48% (below 0%: shrinking) −64.01% (below 0%: shrinking) 58.27% 0.00% Compare
Median of peers $663.6M 12.5× 11.3× +13.06% +14.34% −40.89% 75.22% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 14 April 2026

Ownership

Directors and executive officers, together 8.14%
Wellington Management Group LLP280 Congress Street, Boston, MA 8.97%
John & Heidi FarkashPO Box 7.53%
AB Financial Services Opportunity Fund (c/o Alliance Bernstein L.P.)1345 Avenue of the Americas, New York, NY 7.30%
FJ Capital Management, LLC7901 Jones Branch Drive, Suite 6.39%
Endeavour Capital Advisors Inc.410 Greenwich Avenue, Greenwich, CT 5.46%
Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

California BanCorp (BCAL) Latest News

28 Oct

Impact 3 · · Zacks
Impact 3 · · GlobeNewswire

21 Oct

Impact 3 · · Zacks

20 Oct

Impact 3 · · Zacks

30 Sep

Impact 3 · · GlobeNewswire

21 Sep

Impact 3 · · GuruFocus.com

7 Aug

Impact 3 ·

27 Jul

Impact 3 ·

28 Apr

Impact 4 · · GlobeNewswire

26 Mar

Impact 3 · · Simply Wall St.

12 Mar

Impact 3 · · GlobeNewswire

13 Feb

Impact 4 · · Simply Wall St.
Impact 3 · · Simply Wall St.

31 Jan

Impact 4 · · Insider MonkeySimply Wall St.StockStoryMT NewswiresMT NewswiresStockStoryAssociated Press FinanceSimply Wall St.

28 Jan

Impact 3 · · GlobeNewswire earnings

27 Jan

Impact 4 · · CorpGov.com

26 Jan

Impact 3 · · GlobeNewswireStockStoryAssociated Press FinanceSimply Wall St.Simply Wall St.MT NewswiresStockStoryGuruFocus.com

21 Jan

Impact 4 · · Simply Wall St.

7 Jan

Impact 3 · · GlobeNewswire

30 Dec

Impact 4 · · MarketBeat

18 Dec

Impact 4 · · Zacks

9 Dec

Impact 4 · · Simply Wall St.

8 Dec

Impact 4 ·

20 Nov

Impact 4 · · Zacks
Impact 4 · · Zacks

5 Nov

Impact 4 · · Simply Wall St.

29 Oct

Impact 3 · · Simply Wall St.Simply Wall St.Simply Wall St.Simply Wall St.

7 Oct

Impact 4 · · Simply Wall St.

2 Oct

Impact 4 · · Simply Wall St.

5 Sep

Impact 4 · · Simply Wall St.
stockrow.com/BCAL · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com