Saturday 17 October 2026 Export BCAL’s income statement to Excel — free account

California BanCorp

California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024. In the quarter to June 2026, revenue fell 3.68%, EPS grew 2.33% and free cash flow grew 6.82%, each against the same quarter a year earlier. Revenue growth for five consecutive years, operating cash flow growth for three; insiders bought in the last twelve months.

21.74 0.03 +0.14%

Follow BCAL

Alert me

Market cap: $698.0M
P/E: 11.7×
Fwd P/E: 11.5×
Dividend yield: 1.93%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 0.51

Total sells 46.51

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	1	—	—	—	—	—	—	1	—
Sell	—	—	1	—	1	—	2	—	1	—	—	—

Insider Ownership 11.59%

Capital & Financial Ratios $m

Market Cap 697.99

Revenue 231.44

Net Income 60.20

Free Cash Flow 59.28

Net Debt (264.95)

Current Ratio 0.99

Debt/Equity 0.00

P/E ratio 11.69

Fwd P/E 11.50

P/S ratio 3.02

P/B ratio 1.19

Past 5Y EPS Growth 31.54%

This Y EPS Growth (9.51%)

Next Y EPS Growth 6.46%

Next Y revenue growth (22.97%)

Next 5Y EPS Growth 0.59%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 59.53%

10-year low 10-year high

P/S against its own 10 years 90.43%

10-year low 10-year high

P/B against its own 10 years 97.02%

10-year low 10-year high

Dividends

Payout Ratio 0.23

Annual Dividend Rate 0.42

Annual Dividend Yield 1.93%

	total	individual payouts
2028	Powerpack
2027	Powerpack
2026	0.42	0.10 0.10 0.12
2025	0.10	0.10

predictions special payouts not included in total or ratios

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%

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.

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)	0.54	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	7.86	11.50	12.61	11.50	8.10	12.56	14.10	12.16	12.30	11.87	Analyst estimates 2026–2028 Powerpack
	High	11.50	15.50	17.51	13.50	13.00	16.00	16.83	18.00	18.49	20.47
People
People	Employees	—	—	—	—	—	—	200	204	289	288
	Revenue/emp, $m	—	—	0.00	0.00	0.00	0.00	0.49	0.62	0.64	0.82
Income, $m
Income, $m	Revenue	—	—	28	33	48	72	97	127	185	237
	Gross margin, %	—	—	0.00	0.00	0.00	95.35	94.05	76.84	69.22	76.00
	EBT	—	—	8	10	7	14	22	37	8	88
	EBT margin, %	—	—	27.27	29.51	14.00	19.62	22.60	29.04	4.48	37.10
	Net income	—	—	5	7	5	11	16	26	5	63
	Depreciation	—	—	—	—	—	(5)	(1)	0	(10)	(17)
Per share, $
Per share, $	Revenue	—	—	3.89	3.88	5.10	5.02	5.46	6.95	7.61	7.32
	Earnings	—	—	0.71	0.78	0.49	0.74	0.90	1.42	0.22	1.95
	Cash flow	—	—	1.05	0.99	1.30	1.36	0.75	1.81	2.07	1.77
	Capex	—	—	0.00	0.00	0.00	(0.12)	0.16	(0.02)	(0.02)	(0.01)
	Free cash flow	—	—	1.05	0.99	1.30	1.24	0.91	1.80	2.05	1.76
	Book value	—	—	14.24	14.32	17.83	17.11	14.61	15.79	21.11	17.80
	Shares, m	—	—	7	8	9	14	18	18	24	32
Valuation, ×
Valuation, ×	P/E	—	—	18.52	18.52	18.52	18.52	18.52	12.11	78.76	9.62
	P/S	—	—	0.00	0.00	0.00	0.00	3.07	2.47	2.17	2.55
	P/B	—	—	0.00	0.00	0.00	0.00	1.15	1.09	0.78	1.05
	EV/Sales	—	—	0.00	0.00	0.00	0.00	2.18	1.79	0.07	0.86
	EV/FCF	—	—	0.00	0.00	0.00	0.00	13.09	6.92	0.26	3.60
Cash, $m
Cash, $m	Operating cash flow	—	—	7	8	12	20	13	33	50	57
	Capex	—	—	(1)	(3)	(2)	(2)	3	0	(1)	0
	Free cash flow	—	—	7	8	12	18	16	33	50	57
Balance, $m
Balance, $m	Working capital	—	—	—	—	—	78	(21)	(11)	28	24
	Total debt	—	—	35	35	209	29	79	—	—	—
	Net debt	—	—	35	35	209	(580)	(87)	(87)	(388)	(400)
	Shareholders’ equity	—	—	101	121	169	247	260	288	512	577
Returns, %
Returns, %	ROA	—	—	0.00	0.85	0.39	0.56	0.71	1.12	0.17	1.56
	ROIC	—	—	0.00	0.00	0.00	0.00	8.34	11.44	12.41	31.12
	ROE	—	—	0.00	6.10	3.26	5.15	6.36	9.45	1.36	11.59

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
VBNK VersaBank	$725.9M	29.3×	18.0×	+19.17% (above 0%: growing)	+46.67% (above 0%: growing)	−124.97% (below 0%: shrinking)	42.29%	0.00%	Compare
WASH Washington Trust Bancorp, Inc.	$707.1M	12.7×	10.7×	−2.18% (below 0%: shrinking)	+21.74% (above 0%: growing)	+101.28% (above 0%: growing)	64.44%	0.00%	Compare
CWBC Community West Bancshares	$699.2M	13.8×	11.5×	+32.57% (above 0%: growing)	−75.61% (below 0%: shrinking)	+65.55% (above 0%: growing)	76.29%	0.00%	Compare
BCAL California BanCorp	$698.0M	11.7×	11.5×	−3.68% (below 0%: shrinking)	+2.33% (above 0%: growing)	+6.82% (above 0%: growing)	79.50%	0.00%
TCBX Third Coast Bancshares, Inc.	$689.5M	8.8×	10.6×	+24.52% (above 0%: growing)	+11.61% (above 0%: growing)	+223.46% (above 0%: growing)	59.80%	0.00%	Compare
AROW Arrow Financial Corporation	$681.7M	11.9×	13.8×	+4.55% (above 0%: growing)	+1.54% (above 0%: growing)	+37.22% (above 0%: growing)	71.42%	0.00%	Compare
PFIS Peoples Financial Services Corp.	$681.2M	12.0×	9.2×	+3.78% (above 0%: growing)	−12.94% (below 0%: shrinking)	+54.41% (above 0%: growing)	70.19%	0.00%	Compare
CARE Carter Bankshares, Inc.	$671.8M	5.2×	4.6×	+44.00% (above 0%: growing)	+254.05% (above 0%: growing)	−3,522.21% (below 0%: shrinking)	76.12%	0.00%	Compare
MSBI Midland States Bancorp, Inc.	$670.3M	20.7×	9.1×	−7.83% (below 0%: shrinking)	+86.36% (above 0%: growing)	+9.48% (above 0%: growing)	74.46%	0.00%	Compare
Median of peers	$685.6M	12.4×	10.6×	+11.86%	+16.68%	+45.82%	70.81%	0.00%

All 323 Banks Regional stocks →

California BanCorp (BCAL) key facts

Strength: California BanCorp’s revenue for fiscal 2025 (year ended December 2025) was $237.1 million, up 28.5% from fiscal 2024.
California BanCorp (BCAL) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BCAL traded at $21.74, a market capitalization of $698.0 million.
California BanCorp pays an annual dividend of $0.42 per share, a yield of 1.93%, with a payout ratio of 22.8%.
Return on equity was 11.6% and debt-to-equity 0.00.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.