California Bancorp operates as a bank holding company, which offers a broad range of commercial banking services to closely held businesses and professionals located throughout Northern California. The company is headquartered in San Diego, California and currently employs 289 full-time employees. The company went IPO on 2005-01-20. (the Bank). The Bank offers a range of financial products and services to individuals, professionals, and small to medium-sized businesses through its approximately 14 branch offices and four loan production offices serving Northern and Southern California. Its business financing includes lines of credit, capital equipment, and mergers and acquisitions-ownership transitions. Its commercial real estate and construction includes owner-occupied real estate, investor real estate, equity lines and loans, and construction financing. The company provides various services, including lockbox, merchant services, and cash vault. The company also provides information reporting and liquidity management, mobile banking, online banking, commercial cards, integrated payables, a cash reconciliation app, and fraud prevention. Its international banking includes import, standby, and export letters of credit.
Financials in millions USD. Fiscal year is February - January.
Breakdown
TTM
06/30/2026
03/31/2026
12/31/2025
09/30/2025
06/30/2025
Revenue
222
54
53
56
57
55
Revenue Growth (YoY)
-3%
-2%
-7%
-8%
6%
77%
Cost of Revenue
--
--
--
--
--
--
Gross Profit
--
--
--
--
--
--
Selling, General & Admin
76
18
19
19
17
18
Research & Development
--
--
--
--
--
--
Operating Expenses
85
23
22
18
20
20
Other Non Operating Income (Expenses)
--
--
--
--
--
--
Pretax Income
83
19
19
22
21
20
Income Tax Expense
22
5
5
5
6
5
Net Income
60
14
13
16
15
14
Net Income Growth
94%
0%
-19%
0%
-194%
--
Shares Outstanding (Diluted)
32.39
32.39
32.67
32.78
32.81
32.68
Shares Change (YoY)
-1%
-1%
0%
-3%
18%
74%
EPS (Diluted)
1.84
0.44
0.42
0.5
0.47
0.43
EPS Growth
94%
2%
-18%
1%
-180%
4,171%
Free Cash Flow
--
--
8
20
15
13
Free Cash Flow Per Share
--
--
--
--
--
--
Gross Margin
--
--
--
--
--
--
Operating Margin
61.26%
57.4%
56.6%
66.07%
63.15%
63.63%
Profit Margin
27.02%
25.92%
24.52%
28.57%
26.31%
25.45%
Free Cash Flow Margin
--
--
15.09%
35.71%
26.31%
23.63%
EBITDA
139
31
31
38
37
36
EBITDA Margin
62.61%
57.4%
58.49%
67.85%
64.91%
65.45%
D&A For EBITDA
3
0
1
1
1
1
EBIT
136
31
30
37
36
35
EBIT Margin
61.26%
57.4%
56.6%
66.07%
63.15%
63.63%
Effective Tax Rate
26.5%
26.31%
26.31%
22.72%
28.57%
25%
Follow-Up Questions
What are California Bancorp's key financial statements?
According to the latest financial statement (Form-10K), California Bancorp has a total asset of $0, Net loss of $0
What are the key financial ratios for BCAL?
California Bancorp's Current ratio is 0, has a Net margin is 0, sales per share of $0.
How is California Bancorp's revenue broken down by segment or geography?
California Bancorp largest revenue segment is Commercial Banking, at a revenue of 180,177,000 in the most earnings release.For geography, United States is the primary market for California Bancorp, at a revenue of 180,177,000.
Is California Bancorp profitable?
no, according to the latest financial statements, California Bancorp has a net loss of $0
Does California Bancorp have any liabilities?
no, California Bancorp has liability of 0
How many outstanding shares for California Bancorp?
California Bancorp has a total outstanding shares of 0