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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 a month)
Revenue estimate$46.1M
EPS estimate$0.44

Financials

Q4 2025

Income statement

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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

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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

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

Returns & leverage

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

Segments

By product

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

FAQ

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.