California BanCorp \ CA (BCAL) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, California BanCorp \ CA reported revenue of $180.2M, up 41.0% from $127.7M the year before. Net income was $63.1M (a 35.0% net margin), or $1.93 per diluted share. Net interest income was $169.1M, and the efficiency ratio (noninterest expense / revenue) was 56.1%. Operating activities generated $57.3M of cash, leaving $56.9M of free cash flow. At fiscal year end, California BanCorp \ CA held $4.03B in total assets against $3.46B in total liabilities, including $399.9M of cash and equivalents.
Open the full interactive California BanCorp \ CA financials → Quarterly statements, key ratios, valuation history and price charts.
California BanCorp \ CA Key Stats
| Share Price | $21.41 |
|---|---|
| Market Cap | $693.6M |
| P/E Ratio | 11.1 |
| Revenue YoY Growth | +41.0% |
| 52-Week Range | $15.65 – $21.97 |
| Shares Outstanding | 32.2 million (basic, 2026 Q2) |
California BanCorp \ CA Income Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Net Interest Income | $94.1M | $123.0M | $169.1M |
| Provision for Credit Losses | $915,000 | $21.7M | -$8.8M |
| Noninterest Income | $3.4M | $4.8M | $11.1M |
| Noninterest Expense | $59.7M | $97.8M | $101.0M |
| Revenue | $97.5M | $127.7M | $180.2M |
| Pre-Tax Income | $36.9M | $8.3M | $88.0M |
| Income Tax | $10.9M | $2.8M | $24.9M |
| Net Income | $25.9M | $5.4M | $63.1M |
| Diluted EPS | $1.39 | $0.22 | $1.93 |
California BanCorp \ CA Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $45.2M | $45.9M | $44.2M | $44.9M |
| Net Income | $15.7M | $16.4M | $13.8M | $14.3M |
| Diluted EPS | $0.48 | $0.50 | $0.42 | $0.44 |
California BanCorp \ CA Balance Sheet
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Cash & Equivalents | $86.8M | $388.2M | $399.9M |
| Loans (Net) | $1.93B | $3.09B | $3.00B |
| Total Assets | $2.36B | $4.03B | $4.03B |
| Deposits | $1.94B | $3.40B | $3.37B |
| Total Long-Term Debt | $102.9M | $69.7M | $33.8M |
| Total Liabilities | $2.07B | $3.52B | $3.46B |
| Shareholders' Equity | $288.2M | $511.8M | $576.6M |
California BanCorp \ CA Cash Flow Statement
| FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|
| Cash From Operations | $33.1M | $50.3M | $57.3M |
| Cash From Investing | -$78.9M | $524.7M | $29.8M |
| Cash From Financing | $45.9M | -$273.6M | -$75.3M |
| Free Cash Flow | $32.8M | $49.7M | $56.9M |
Figures from California BanCorp \ CA's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full California BanCorp \ CA financials page for every line item.
California BanCorp \ CA Company Profile
| Ticker | BCAL |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | San Diego, California |
| Incorporated in | California |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, emerging growth company |
| SEC CIK | 0001795815 |
Frequently Asked Questions
What was California BanCorp \ CA's revenue in fiscal 2025?
California BanCorp \ CA (BCAL) reported revenue of $180.2M for fiscal 2025.
What is California BanCorp \ CA's annual revenue history?
California BanCorp \ CA's annual revenue by fiscal year: 2023: $97.5M; 2024: $127.7M; 2025: $180.2M.
What was California BanCorp \ CA's net income in fiscal 2025?
California BanCorp \ CA reported net income of $63.1M for fiscal 2025.
What was California BanCorp \ CA's earnings per share (EPS) in fiscal 2025?
California BanCorp \ CA's diluted EPS was $1.93 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did California BanCorp \ CA generate in fiscal 2025?
California BanCorp \ CA generated $56.9M of free cash flow in fiscal 2025.
What was California BanCorp \ CA's revenue last quarter?
In its most recent reported quarter (2026 Q2), California BanCorp \ CA reported revenue of $44.9M.
How much debt does California BanCorp \ CA have?
California BanCorp \ CA reported $33.8M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of California BanCorp \ CA are outstanding?
California BanCorp \ CA reported a weighted average of 32.2 million basic shares outstanding in 2026 Q2.
What is California BanCorp \ CA's market cap?
Based on its latest closing price, California BanCorp \ CA (BCAL) has a market capitalization of about $693.6M.
When does California BanCorp \ CA's fiscal year end?
California BanCorp \ CA's fiscal year end, as registered with the SEC, is December 31.
Where is California BanCorp \ CA headquartered?
California BanCorp \ CA lists its business address in San Diego, California in its SEC filings.