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California BanCorp BCAL Q1 2025 Annual earnings

Reported April 24, 2025 · Before market open

Revenue$59.4MBeat by $14.7M
EPS$0.52Beat by $0.14
Revenue estimate$44.7M
EPS estimate$0.38

Next report

Oct 27, 2026 (in 3 months)
Revenue estimate$46.1M
EPS estimate$0.44

Financials

Q1 2025

Income statement

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Revenue$44.8M+105%
Net income$16.9M+241%
EPS (diluted)$0.52+100%

Balance sheet

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Cash & equivalents$439.2M+408%
Total debt$87.5M+55.2%
Total equity$531.4M+81.7%
Total assets$4.0B+74.0%

Cash flow

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Operating cash flow$7.0M-13.3%
CapEx$105.0K+18.0%
Free cash flow$6.9M-13.6%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$462.37M+70.0%
Enterprise value$110.58M-54.3%
P/E26.6×+14.6×
P/S3.1×+0.1×

Profitability

See full
Net margin11.5%-12.8pp
FCF margin32.3%—

Returns & leverage

See full
Return on equity4.2%-3.9pp
Debt / equity0.2×0.0×

Segments

By product

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Service charges and fees on deposit accounts$776.0K+114%
Interchange and ATM income$410.0K+152%

Versus estimates

Revenue

Q2 2026$44.9MMiss by $165.3KQ1 2026$44.2MBeat by $104.7KQ4 2025$45.9MBeat by $868.0KQ3 2025$59.9MBeat by $14.5MQ2 2025$58.6MBeat by $14.8M
Q1 2025$59.4MBeat by $14.7M

Diluted EPS

Q2 2026$0.44Beat by $0.04Q1 2026$0.42Beat by $0.01Q4 2025$0.50Beat by $0.06Q3 2025$0.48Beat by $0.09Q2 2025$0.43In line
Q1 2025$0.52Beat by $0.14

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Questions, answered.

When did California BanCorp report Q1 2025 earnings?
California BanCorp (BCAL) reported Q1 2025 earnings on April 24, 2025 before market open.
What were California BanCorp's Q1 2025 revenue and EPS?
California BanCorp reported revenue of $59.4M and eps of $0.52 for Q1 2025.
Did California BanCorp beat estimates in Q1 2025?
Revenue beat the consensus estimate of $44.7M by $14.7M. EPS beat the consensus estimate of $0.38 by $0.14.
How did California BanCorp's Q1 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 171.1% from $21.9M a year earlier and eps grew 100.0% from $0.26.
Where can I find California BanCorp's Q1 2025 SEC filings?
You can read the 10-K periodic report (0001628280-25-015957) directly on SEC EDGAR. The filing index links above go to sec.gov.