California Bancorp Financials
This page shows California Bancorp (BCAL) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 4 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
California Bancorp's revenue surged 25.7% year-over-year to $226.0M, reflecting rapid business expansion. This strong growth earns a score of 76/100.
California Bancorp carries a low D/E ratio of 0.06, meaning only $0.06 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
California Bancorp converts 25.2% of revenue into free cash flow ($56.9M). This strong cash generation earns a score of 88/100.
California Bancorp's ROE of 10.9% shows moderate profitability relative to equity, earning a score of 35/100. This is up from 1.1% the prior year.
California Bancorp passes 5 of 9 financial strength tests. 3 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, California Bancorp generates $0.91 in operating cash flow ($57.3M OCF vs $63.1M net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.
Key Financial Metrics
Earnings & Revenue
California Bancorp generated $226.0M in revenue in fiscal year 2025. This represents an increase of 25.7% from the prior year.
California Bancorp reported $63.1M in net income in fiscal year 2025. This represents an increase of 1060.6% from the prior year.
California Bancorp earned $1.93 per diluted share (EPS) in fiscal year 2025. This represents an increase of 777.3% from the prior year.
Cash & Balance Sheet
California Bancorp generated $56.9M in free cash flow in fiscal year 2025, representing cash available after capex. This represents an increase of 14.5% from the prior year.
California Bancorp held $399.9M in cash against $33.8M in long-term debt as of fiscal year 2025.
California Bancorp had 32M shares outstanding in fiscal year 2025. This represents an increase of 0.5% from the prior year.
Margins & Returns
California Bancorp's net profit margin was 27.9% in fiscal year 2025, showing the share of revenue converted to profit. This is up 24.9 percentage points from the prior year.
California Bancorp's ROE was 10.9% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 9.9 percentage points from the prior year.
Capital Allocation
California Bancorp spent $3.4M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.
California Bancorp invested $346K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 37.3% from the prior year.
BCAL Income Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $56.2M-1.8% | $57.2M+2.5% | $55.8M-1.8% | $56.8M-9.2% | $62.6M+15.6% | $54.1M+69.9% | $31.8M+1.9% | $31.3M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $13.3M-9.5% | $14.7M+2.1% | $14.4M-1.4% | $14.6M-19.1% | $18.0M+4.8% | $17.2M+58.5% | $10.8M+0.7% | $10.8M |
| Income Tax | $6.0M-2.7% | $6.1M+2.6% | $6.0M-12.4% | $6.8M+5.3% | $6.5M+206.9% | -$6.1M-6989.8% | $88K-96.2% | $2.3M |
| Net Income | $16.4M+4.7% | $15.7M+11.2% | $14.1M-16.3% | $16.9M+0.5% | $16.8M+201.9% | -$16.5M-8765.3% | $190K-96.1% | $4.9M |
| EPS (Diluted) | N/A | $0.48+11.6% | $0.43-17.3% | $0.52 | N/A | $-0.59-6000.0% | $0.01-96.2% | $0.26 |
BCAL Balance Sheet
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $4.0B-1.7% | $4.1B+3.7% | $4.0B-0.7% | $4.0B-1.2% | $4.0B-7.6% | $4.4B+90.2% | $2.3B+0.2% | $2.3B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $399.9M-28.5% | $559.2M+30.0% | $430.1M-2.1% | $439.2M+13.2% | $388.2M-36.8% | $614.4M+486.7% | $104.7M+21.0% | $86.5M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $110.9M0.0% | $110.9M0.0% | $110.9M-0.8% | $111.8M0.0% | $111.8M-0.6% | $112.5M+197.6% | $37.8M0.0% | $37.8M |
| Total Liabilities | $3.5B-2.3% | $3.5B+3.8% | $3.4B-1.3% | $3.5B-1.9% | $3.5B-8.9% | $3.9B+93.2% | $2.0B+0.2% | $2.0B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $33.8M+1.2% | $33.4M-36.8% | $52.9M-24.8% | $70.3M+0.8% | $69.7M+0.8% | $69.1M+61.1% | $42.9M-4.4% | $44.9M |
| Total Equity | $576.6M+2.1% | $564.7M+3.1% | $547.6M+3.1% | $531.4M+3.8% | $511.8M+2.8% | $498.1M+69.9% | $293.2M+0.2% | $292.5M |
| Retained Earnings | $135.8M+10.7% | $122.6M+14.7% | $107.0M+15.2% | $92.9M+22.2% | $76.0M+28.3% | $59.2M-21.7% | $75.7M+0.3% | $75.5M |
BCAL Cash Flow Statement
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $20.9M+30.9% | $16.0M+19.0% | $13.4M+92.2% | $7.0M-70.4% | $23.6M+29.1% | $18.3M+5822.3% | $309K-96.2% | $8.1M |
| Capital Expenditures | $99K-8.3% | $108K+217.6% | $34K-67.6% | $105K-26.1% | $142K-22.4% | $183K+32.6% | $138K+55.1% | $89K |
| Free Cash Flow | $20.8M+31.1% | $15.9M+18.5% | $13.4M+94.6% | $6.9M-70.7% | $23.5M+29.6% | $18.1M+10494.7% | $171K-97.9% | $8.0M |
| Investing Cash Flow | -$84.8M-573.6% | -$12.6M-148.8% | $25.8M-74.6% | $101.3M+9.0% | $92.9M-73.8% | $354.5M+2314.0% | $14.7M-76.5% | $62.5M |
| Financing Cash Flow | -$95.4M-175.9% | $125.7M+360.2% | -$48.3M+15.6% | -$57.2M+83.3% | -$342.8M-350.5% | $136.9M+4182.7% | $3.2M+104.5% | -$70.8M |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | $431K-75.0% | $1.7M+1012.9% | $155K-85.3% | $1.1M+209.0% | -$968K-383.9% | $341K+189.0% | $118K-76.8% | $509K |
BCAL Financial Ratios
| Metric | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 29.2%+1.8pp | 27.4%+2.2pp | 25.3%-4.4pp | 29.7%+2.8pp | 26.8%+57.2pp | -30.4%-31.0pp | 0.6%-15.2pp | 15.8% |
| Return on Equity | 2.9%+0.1pp | 2.8%+0.2pp | 2.6%-0.6pp | 3.2%-0.1pp | 3.3%+6.6pp | -3.3%-3.4pp | 0.1%-1.6pp | 1.7% |
| Return on Assets | 0.4%+0.0pp | 0.4%+0.0pp | 0.4%-0.1pp | 0.4%0.0pp | 0.4%+0.8pp | -0.4%-0.4pp | 0.0%-0.2pp | 0.2% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.060.0 | 0.06-0.0 | 0.10-0.0 | 0.130.0 | 0.140.0 | 0.140.0 | 0.150.0 | 0.15 |
| FCF Margin | 37.0%+9.3pp | 27.8%+3.8pp | 24.0%+11.9pp | 12.1%-25.4pp | 37.5%+4.1pp | 33.5%+32.9pp | 0.5%-24.9pp | 25.5% |
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Frequently Asked Questions
What is California Bancorp's annual revenue?
California Bancorp (BCAL) reported $226.0M in total revenue for fiscal year 2025. This represents a 25.7% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is California Bancorp's revenue growing?
California Bancorp (BCAL) revenue grew by 25.7% year-over-year, from $179.8M to $226.0M in fiscal year 2025.
Is California Bancorp profitable?
Yes, California Bancorp (BCAL) reported a net income of $63.1M in fiscal year 2025, with a net profit margin of 27.9%.
How much debt does California Bancorp have?
As of fiscal year 2025, California Bancorp (BCAL) had $399.9M in cash and equivalents against $33.8M in long-term debt.
What is California Bancorp's net profit margin?
California Bancorp (BCAL) had a net profit margin of 27.9% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is California Bancorp's return on equity (ROE)?
California Bancorp (BCAL) has a return on equity of 10.9% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is California Bancorp's free cash flow?
California Bancorp (BCAL) generated $56.9M in free cash flow during fiscal year 2025. This represents a 14.5% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is California Bancorp's operating cash flow?
California Bancorp (BCAL) generated $57.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are California Bancorp's total assets?
California Bancorp (BCAL) had $4.0B in total assets as of fiscal year 2025, including both current and long-term assets.
What are California Bancorp's capital expenditures?
California Bancorp (BCAL) invested $346K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is California Bancorp's debt-to-equity ratio?
California Bancorp (BCAL) had a debt-to-equity ratio of 0.06 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is California Bancorp's return on assets (ROA)?
California Bancorp (BCAL) had a return on assets of 1.6% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is California Bancorp's Piotroski F-Score?
California Bancorp (BCAL) has a Piotroski F-Score of 5 out of 9, indicating neutral financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are California Bancorp's earnings high quality?
California Bancorp (BCAL) has an earnings quality ratio of 0.91x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is California Bancorp?
California Bancorp (BCAL) scores 75 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.