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California BanCorp \ CA

BCAL

$21.64 ▼ -0.53 (-2.39%) at close

5 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

California BanCorp \ CA shows strong fundamentals with top-quartile Profit Margin (%) and Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $700.9M

Dividend Yield —

Revenue Growth 41.0% ↗

Op. Margin 48.8% ↗

ROIC None

FCF / Share None

Trailing P/E 11.1x

Price / Book 1.2x

FCF Yield —

Debt / Equity 0.06

info Valuation on last close. End-of-day price, Nov 5, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$180.18M

↑ +41.0% —

Net Income Profit after all expenses

$63.06M

↑ +1060.6% —

Operating Margin Operating profit as % of sales

48.8%

↑ +654.7% 97th

Long-Term Debt Long-term obligations

$33.83M

↓ -51.5% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)
Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.10 Latest / share

+0.0% YoY

Q3 FY2022

Q4 FY2022

Q1 FY2023

Q2 FY2023

Q3 FY2023

Q4 FY2023

Q1 FY2024

Q2 FY2024

Q3 FY2024

Q4 FY2024

Q1 FY2025

Q2 FY2025

Q3 FY2025

Q4 FY2025

$0.10

Q1 FY2026

$0.10

Q2 FY2026

Financial view

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Annual Quarterly

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue Growth YoY (%)	41.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+584%)	31.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+417%)	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	—	—
EPS Growth YoY (%)	786.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-84.5% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	57.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	1060.6% Excellent ↑ Excellent Improving Year-over-year change in net income	-79.0% Weak Weak Year-over-year change in net income	60.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	25.4% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
EPS CAGR 3Y (%)	29.4% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Operating Margin (%) (%)	48.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+95%)	6.5% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-74%)	37.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+51%)	24.0% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
Effective Tax Rate (%) (%)	28.3% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.7% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	35.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+59%)	4.3% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-81%)	26.6% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	17.6% Good Good Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	10.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	9.0% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	6.2% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-48%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Debt to Equity (x)	0.06x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-95%)	0.14x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.36x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	0.26x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-78%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue per Share (USD)	$5.56	$5.27	$5.34	$5.13	—
Basic EPS, GAAP (USD)	$1.95	$0.22	$1.42	$0.90	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A
Book Value per Share (USD)	$17.79	$15.86	$15.69	$14.51	—
Tangible Book Value per Share (USD)	$13.79	$11.71	$13.56	$12.32	—
Basic Weighted Avg Shares (shares)	32.39M	24.25M	18.25M	17.82M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$33.83M	$69.72M	$102.86M	$67.77M	—
Total Equity (USD)	$576.59M	$511.84M	$288.15M	$260.36M	$246.53M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Sales/Revenue/Turnover (USD)	$180.18M	$127.74M	$97.52M	$91.46M	—
Depreciation Expense (USD)	$1.82M	$1.76M	$1.53M	$1.56M	—
Net Income, GAAP (USD)	$63.06M	$5.43M	$25.91M	$16.11M	—
Operating Cash Flow (USD)	$57.29M	$50.29M	$33.10M	$13.35M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Net Interest Margin (approx.) (%)	4.2%	3.1%	4.0%	3.8%	—
Efficiency Ratio (%) (%)	56.1%	76.6%	61.3%	69.5%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 5 years · 19 quarters

California BanCorp \ CA

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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