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California BanCorp BCAL Q4 2025 Annual earnings

Reported January 28, 2026 · Before market open

Revenue$45.9MBeat by $868.0K
EPS$0.50Beat by $0.06
Revenue estimate$45.0M
EPS estimate$0.44

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$45.9M+0.8%
Net income$16.4M-2.1%
EPS (diluted)$0.51-32.0%

Balance sheet

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Cash & equivalents$399.9M+3.0%
Total debt$52.8M-40.1%
Total equity$576.6M+12.7%
Total assets$4.0B0.0%

Cash flow

See full
Operating cash flow$20.9M-11.5%
CapEx$99.0K-30.3%
Free cash flow$20.8M-11.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$603.46M+13.4%
Enterprise value$256.32M+10.5%
P/E9.6×-88.4×
P/S3.3×-0.8×

Profitability

See full
Net margin35%+30.7pp
FCF margin31.6%-7.3pp

Returns & leverage

See full
Return on equity11.6%+10.2pp
Debt / equity0.1×-0.1×

Segments

By product

See full
Service charges and fees on deposit accounts$797.0K+52.1%
Interchange and ATM income$310.0K-19.9%

Versus estimates

Revenue

Q2 2026$44.9MMiss by $165.3KQ1 2026$44.2MBeat by $104.7K
Q4 2025$45.9MBeat by $868.0K
Q3 2025$59.9MBeat by $14.5MQ2 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 $0.01
Q4 2025$0.50Beat by $0.06
Q3 2025$0.48Beat by $0.09Q2 2025$0.43In lineQ1 2025$0.52Beat by $0.14

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Questions, answered.

When did California BanCorp report Q4 2025 earnings?
California BanCorp (BCAL) reported Q4 2025 earnings on January 28, 2026 before market open.
What were California BanCorp's Q4 2025 revenue and EPS?
California BanCorp reported revenue of $45.9M and eps of $0.50 for Q4 2025.
Did California BanCorp beat estimates in Q4 2025?
Revenue beat the consensus estimate of $45.0M by $868.0K. EPS beat the consensus estimate of $0.44 by $0.06.
How did California BanCorp's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 0.8% from $45.5M a year earlier and eps declined 5.7% from $0.53.
Where can I find California BanCorp's Q4 2025 SEC filings?
You can read the 8-K earnings release (0001493152-26-003886) and the 10-K periodic report (0001795815-26-000005) directly on SEC EDGAR. The filing index links above go to sec.gov.