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California BanCorp BCAL Interchange and ATM income — Revenue

Other product segments

Service charges and fees on deposit accounts
$811K+4.5%

Similar metrics at other companies

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INDBInterchange And Atm Fees
$5.02M+8.6%
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MPBATM debit card interchange — Non-interest Income
$1.04M+12.6%
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IBCPInterchange income — Revenue from contracts with customers
$3.23M+3.4%
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MSBIInterchange revenue
$3.53M+12.0%
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CIVBAutomated Teller Machine And Interchange Fees
$1.39M+4.5%
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TRSTInterchange Income — Revenue
$1.1M-26.1%

Other financials

Income statement

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Revenue$44.2M-1.3%
Net income$13.8M-18.2%
EPS (diluted)$0.42-19.2%

Balance sheet

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Cash & equivalents$411.1M-6.4%
Total debt$53.4M-38.9%
Total equity$577.8M+8.7%
Total assets$4.0B+1.6%

Cash flow

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Operating cash flow$8.5M+22.2%
CapEx$236.0K+125%
Free cash flow$8.3M+20.7%

Valuation

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Market cap$663.56M+40.9%
Enterprise value$305.83M+157%
P/E11.1×-16.1×
P/S3.7×+0.6×

Profitability

See full
Net margin33.4%+21.9pp
FCF margin32.5%+0.2pp

Returns & leverage

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Return on equity10.8%+6.6pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by California BanCorp in its filing.

Tagged under the XBRL concept us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax.

The official record: California BanCorp’s 10-Q, filed May 8, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is California BanCorp's interchange and ATM income — revenue?
California BanCorp (BCAL) reported interchange and ATM income — revenue of $289K in Q1 2026.
How has California BanCorp's interchange and ATM income — revenue changed year-over-year?
California BanCorp's interchange and ATM income — revenue decreased by 29.5% year-over-year, from $410K to $289K.
What is the long-term trend for California BanCorp's interchange and ATM income — revenue?
Over 3 years (2022 to 2025), California BanCorp's interchange and ATM income — revenue has grown at a 21.4% compound annual growth rate (CAGR), from $782K to $1.4M.
What does interchange and ATM income — revenue mean?
This metric represents the total fee revenue generated from payment card interchange transactions and automated teller machine (ATM) usage fees. It reflects the income earned by the bank for facilitating electronic payment processing and providing cash access services to its customer base. This revenue stream is a key indicator of the bank's transaction volume and the utilization of its retail banking infrastructure.