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California BanCorp BCAL Q3 2025 earnings

Reported October 28, 2025 · Before market open

Revenue$59.9MBeat by $14.5M
EPS$0.48Beat by $0.09
Revenue estimate$45.4M
EPS estimate$0.39

Next report

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

Financials

Q3 2025

Income statement

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Revenue$45.2M+18.5%
Net income$15.7M+195%
EPS (diluted)$0.48+181%

Balance sheet

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Cash & equivalents$559.2M-9.0%
Total debt$52.6M-40.5%
Total equity$564.7M+13.4%
Total assets$4.1B-6.0%

Cash flow

See full
Operating cash flow$16.0M-12.7%
CapEx$108.0K-41.0%
Free cash flow$15.9M-12.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$542.39M+32.4%
Enterprise value$35.77M+131%
P/E8.6×—
P/S3×-0.9×

Profitability

See full
Net margin35.3%+30.4pp
FCF margin33.2%—

Returns & leverage

See full
Return on equity11.9%+10.6pp
Debt / equity0.1×-0.1×

Segments

By product

See full
Service charges and fees on deposit accounts$795.0K-5.6%
Interchange and ATM income$304.0K+3.4%

Versus estimates

Revenue

Q2 2026$44.9MMiss by $165.3KQ1 2026$44.2MBeat by $104.7KQ4 2025$45.9MBeat by $868.0K
Q3 2025$59.9MBeat by $14.5M
Q2 2025$58.6MBeat by $14.8MQ1 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 $0.06
Q3 2025$0.48Beat by $0.09
Q2 2025$0.43In lineQ1 2025$0.52Beat by $0.14

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Questions, answered.

When did California BanCorp report Q3 2025 earnings?
California BanCorp (BCAL) reported Q3 2025 earnings on October 28, 2025 before market open.
What were California BanCorp's Q3 2025 revenue and EPS?
California BanCorp reported revenue of $59.9M and eps of $0.48 for Q3 2025.
Did California BanCorp beat estimates in Q3 2025?
Revenue beat the consensus estimate of $45.4M by $14.5M. EPS beat the consensus estimate of $0.39 by $0.09.
How did California BanCorp's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 57.0% from $38.1M a year earlier and eps grew 45.5% from $0.33.
Where can I find California BanCorp's Q3 2025 SEC filings?
You can read the 10-Q periodic report (0001795815-25-000021) directly on SEC EDGAR. The filing index links above go to sec.gov.