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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%
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| Dec '25 | Dec '24 | Dec '23 | Dec '22 | Dec '21 | Dec '20 | Dec '19 | Dec '18 | |
|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
6 | 6 | 7 | 5 | — | — | — | — |
P/E ratio |
9.62 | 78.76 | 12.11 | 18.52 | 18.52 | 18.52 | 18.52 | 18.52 |
P/S ratio |
2.55 | 2.17 | 2.47 | 3.07 | 0.00 | 0.00 | 0.00 | 0.00 |
P/FCF ratio |
10.62 | 8.06 | 9.57 | 18.45 | 0.00 | 0.00 | 0.00 | 0.00 |
P/Operating CF |
28.92 | 16.97 | (37.20) | 32.69 | 0.00 | 0.00 | 0.00 | 0.00 |
P/B ratio |
1.05 | 0.78 | 1.09 | 1.15 | 0.00 | 0.00 | 0.00 | 0.00 |
Price to Tangible BV |
1.35 | 1.06 | 1.26 | 1.35 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Sales |
0.86 | 0.07 | 1.79 | 2.18 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
3.58 | 0.26 | 6.86 | 15.86 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/FCF |
3.60 | 0.26 | 6.92 | 13.09 | 0.00 | 0.00 | 0.00 | 0.00 |
Quick Ratio |
0.12 | 0.11 | 0.04 | 0.04 | 0.29 | — | — | — |
Current Ratio |
1.01 | 1.01 | 0.99 | 0.99 | 1.04 | — | — | — |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 13.24% | 4.20% | 4.55% |
Debt/Equity |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.24 | 0.29 | 0.35 |
Asset Turnover |
0.06 | 0.06 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.00 |
Operating CF/Net income |
0.91 | 9.26 | 1.28 | 0.83 | 1.84 | 2.62 | 1.24 | 1.41 |
Capex/Depreciation |
0.02 | 0.06 | (1.46) | (2.92) | 0.33 | — | — | — |
| 11.59% | 1.36% | 9.45% | 6.36% | 5.15% | 3.26% | 6.10% | 0.00% | |
| 1.56% | 0.17% | 1.12% | 0.71% | 0.56% | 0.39% | 0.85% | 0.00% | |
ROIC |
31.12% | 12.41% | 11.44% | 8.34% | 0.00% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
175.90% | 13.00% | 1,167.64% | (254.79%) | 10.96% | 31.48% | 75.26% | 105.16% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
37.30% | 54.90% | 47.50% | 69.78% | 71.83% | 0.00% | 0.00% | 0.00% |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
2.46% | 3.38% | 3.56% | 3.79% | 7.61% | 0.00% | 0.00% | 0.00% |
Graham Net Nets |
0.01 | 0.02 | (0.07) | (0.11) | 0.00 | 0.00 | 0.00 | 0.00 |
Graham Number |
27.87 | 9.99 | 22.46 | 17.24 | 0.00 | 0.00 | 0.00 | 0.00 |
Earnings Yield |
10.39% | 1.27% | 8.26% | 5.40% | 5.40% | 5.40% | 5.40% | 5.40% |
Free Cash Flow Yield |
9.42% | 12.40% | 10.45% | 5.42% | 0.00% | 0.00% | 0.00% | 0.00% |
Revenue per Share |
7.32 | 7.61 | 6.95 | 5.46 | 5.02 | 5.10 | 3.88 | 3.89 |
Operating CF per Share |
1.77 | 2.07 | 1.81 | 0.75 | 1.36 | 1.30 | 0.99 | 1.05 |
Capex per Share |
(0.01) | (0.02) | (0.02) | 0.16 | (0.12) | 0.00 | 0.00 | 0.00 |
Free Cash Flow per Share |
1.76 | 2.05 | 1.80 | 0.91 | 1.24 | 1.30 | 0.99 | 1.05 |
Cash per Share |
12.35 | 16.01 | 4.76 | 4.87 | 40.26 | 0.00 | 0.00 | 0.00 |
Shareholders Equity per Share |
17.80 | 21.11 | 15.79 | 14.61 | 17.11 | 17.83 | 14.32 | 14.24 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
17.80 | 21.11 | 15.79 | 14.61 | 17.11 | 17.83 | 14.32 | 14.24 |
Free Cash Flow |
56.94 | 49.74 | 32.80 | 16.18 | 17.90 | 12.36 | 8.37 | 7.43 |
Working Capital |
23.73 | 28.19 | (11.05) | (20.66) | 78.04 | — | — | — |
Capital Expenditures |
(0.35) | (0.55) | (0.30) | 2.83 | (1.75) | (1.77) | (2.72) | (0.65) |
Net Current Asset Value |
4.80 | 9.88 | (23.17) | (31.71) | 69.04 | (1,410.00) | (713.00) | (668.00) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.00 | (0.03) | 0.02 | 0.00 | 0.00 | 0.00 |
Price to Operating Income |
6.88 | 16.34 | 8.52 | 14.25 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other line items | ||||||||
Depreciation/Fixed assets |
(1.41) | (0.71) | 0.02 | (0.07) | (0.27) | 0.00 | 0.00 | 0.00 |
Cash ROIC |
5.83% | 5.53% | 8.75% | 4.66% | 2.17% | 3.27% | 5.37% | 5.46% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.02 | 0.02 | 0.02 | 0.00 | 0.00 | — | — | — |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
Average Days of Payables |
21,626.04 | 21,835.24 | 24,142.32 | 121,807.80 | 214,212.01 | — | — | — |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | — | — | — |
Average Payables |
3,384.67 | 2,671.16 | 1,937.73 | 1,952.50 | — | — | — | — |
Average Assets |
4,032.52 | 3,195.95 | 2,322.09 | 2,271.90 | 1,919.43 | 1,206.00 | 801.00 | — |
Average Common Equity |
544.21 | 399.99 | 274.25 | 253.44 | 207.76 | 145.00 | 111.00 | — |
Columns are period end dates · fundamentals updated 25 Oct 2026