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California BanCorp (BCAL)
Financial Services · Banks - Regional · NasdaqCM
California BanCorp revenue & earnings — last 4 fiscal years
| Metric | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Revenue | $92.23M | $97.52M | $127.76M | $180.18M |
| Gross profit | — | — | — | — |
| Net income | $16.11M | $25.91M | $5.43M | $63.06M |
| Net margin | 17.5% | 26.6% | 4.3% | 35.0% |
Source: California BanCorp SEC filings (10-K).
What growth is priced into BCAL stock?
At today's market cap of $632.04M, California BanCorp is priced for free-cash-flow growth of about -0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $56.94M from the FY ending 2025-12-31). This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 4 years of California BanCorp financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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California BanCorp financial history by metric
About California BanCorp
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
California BanCorp — frequently asked questions
What is California BanCorp's revenue?
California BanCorp (BCAL) reported revenue of $180.18M for fiscal year 2025, up 41.0% from the prior year, according to its SEC filings.
Is California BanCorp profitable?
Yes. BCAL earned net income of $63.06M in fiscal 2025, a net margin of 35.0%.
What is BCAL's P/E ratio?
California BanCorp trades at a price-to-earnings ratio of about 10.7 based on the latest data in our nightly-refreshed cache.
How fast is California BanCorp growing?
BCAL's revenue grew at roughly 25.0% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does California BanCorp have?
As of fiscal year 2025, BCAL carried roughly $33.83M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is California BanCorp's market cap?
California BanCorp (BCAL) has a market capitalization of about $632.04M, based on the latest data in our nightly-refreshed cache.
When does California BanCorp's fiscal year end?
BCAL's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into BCAL stock?
At today's market cap of $632.04M, California BanCorp is priced for free-cash-flow growth of about -0.4% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $56.94M from the FY ending 2025-12-31).
Where does this data come from?
All figures are computed from California BanCorp's official SEC filings (10-K and 10-Q), covering 4 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.