Income statement, balance sheet and cash flow statement for the last 4 fiscal years, taken from the XBRL data California BanCorp \ CA files with the SEC in its annual reports.
In USD millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2023
FY2023
FY2024
FY2025
Interest expense
5.79
29.4
Pre-tax income
22
36.9
8.26
88
Income tax
5.87
10.9
2.83
24.9
Net income
16.1
25.9
5.43
63.1
EPS, basic
0.90
1.42
0.22
1.95
EPS, diluted
0.88
1.39
0.22
1.93
Shares, basic (weighted)
17.8
18.2
24.2
32.4
Shares, diluted (weighted)
18.2
18.7
24.6
32.7
Balance sheet
FY2023
FY2023
FY2024
FY2025
Cash and equivalents
86.8
86.8
388
400
Property, plant and equipment
14.3
13.3
13.6
12.1
Lease right-of-use assets
8.61
9.29
14.4
15.1
Goodwill
37.8
37.8
112
111
Intangible assets
1.58
1.2
22.3
18.5
Total assets
2,284
2,360
4,032
4,033
Total liabilities
2,024
2,072
3,520
3,457
Total debt
67.8
103
69.7
33.8
Retained earnings
48.5
70.6
76
136
Other comprehensive income
-6.44
-4.46
-6.64
-1.62
Shareholders' equity
260
288
512
577
Total equity
260
288
512
577
Total liabilities and equity
2,284
2,360
4,032
4,033
Shares outstanding
17.9
18.4
32.3
32.4
Cash flow statement
FY2023
FY2023
FY2024
FY2025
Net income
16.1
25.9
5.43
63.1
Depreciation and amortization
1.56
1.53
1.76
1.82
Stock-based compensation
3.68
4.52
6.24
5.82
Deferred income tax
-2.55
0.42
-0.43
11.5
Cash from operations
13.4
33.1
50.3
57.3
Capital expenditures
-1.08
-0.3
-0.55
-0.35
Acquisitions
0
336
0
Purchases of investments
-101
-63.6
-2.04
-122
Sales and maturities of investments
11.2
10.6
27.5
38.4
Cash from investing
-513
-78.9
525
29.8
Stock issued
1.01
0.13
0.95
0.13
Share buybacks
-0.57
-0.89
0
-3.37
Dividends paid
0
-3.25
Cash from financing
6.1
45.9
-274
-75.3
Net change in cash
-493
0.03
301
11.8
Free cash flow
12.3
32.8
49.7
56.9
Interest paid
5.55
29
52.1
58.5
Income taxes paid
7.95
12.4
2.89
9.78
Key metrics
Worked out from the statements above. Latest values use the trailing twelve months to June 30, 2026; growth uses fiscal years. Valuation uses the share price of $21.64 on September 25, 2026.
Profitability
Metric
Value
How it is calculated
Effective tax rate
27.6%
Income tax / pre-tax income, when pre-tax income is positive.
Return on equity (ROE)
10.3%
Net income / average shareholders' equity (opening and closing). Not shown when equity is negative.
Return on assets (ROA)
1.5%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Net income growth, 1y
1,061.0%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
57.6%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
EPS growth, 1y
777.3%
EPS vs the same period a year earlier. Only from a positive base.
EPS CAGR, 3y
29.9%
Compound annual growth of eps over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Operating cash flow growth, 1y
13.9%
Operating cash flow vs the same period a year earlier. Only from a positive base.
Operating cash flow CAGR, 3y
62.5%
Compound annual growth of operating cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Free cash flow growth, 1y
14.5%
Free cash flow vs the same period a year earlier. Only from a positive base.
Free cash flow CAGR, 3y
66.8%
Compound annual growth of free cash flow over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Book value growth, 1y
12.7%
Book value vs the same period a year earlier. Only from a positive base.
Book value CAGR, 3y
30.3%
Compound annual growth of book value over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets growth, 1y
0.0%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
20.9%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Share count change, 1y
33.0%
Change in diluted weighted shares vs a year earlier. Negative means buybacks shrank the share count; positive means dilution.
Share count change per year, 3y
21.6%
Change in diluted weighted shares, per year over 3 years. Negative means buybacks shrank the share count; positive means dilution.
Balance sheet health
Metric
Value
How it is calculated
Debt / equity
0.06x
Total debt / shareholders' equity. Not shown when equity is negative.
Debt / assets
0.9%
Total debt / total assets.
Liabilities / assets
85.4%
Total liabilities / total assets.
Net debt
-$230.3M
Total debt - cash - short-term investments. Negative means more cash than debt.
Free cash flow / net income, when net income is positive.
Capex / operating cash flow
1.6%
Capital expenditures / cash from operations, when that is positive.
Per share
Metric
Value
How it is calculated
EPS, diluted
$1.86
Net income per diluted share, as reported (split-adjusted). Over the last twelve months: the four quarters summed, or net income / latest diluted shares when a quarter has no reported EPS.
FCF per share
$1.83
Free cash flow / diluted weighted shares.
Operating cash flow per share
$1.86
Cash from operations / diluted weighted shares.
Book value per share
$18.27
Shareholders' equity / shares outstanding (diluted weighted shares when not reported).
Share buybacks / free cash flow, when free cash flow is positive.
Valuation
Metric
Value
How it is calculated
Market cap
$695.7M
Share price x shares outstanding.
Enterprise value
$465.4M
Market cap + total debt - cash - short-term investments.
P/E
11.6x
Market cap / net income. Only when net income is positive.
P/B
1.19x
Market cap / shareholders' equity. Only when equity is positive.
Price / tangible book
1.52x
Market cap / tangible book value, when positive.
P/FCF
11.7x
Market cap / free cash flow. Only when free cash flow is positive.
P/OCF
11.6x
Market cap / cash from operations, when positive.
EV/FCF
7.85x
Enterprise value / free cash flow, when both are positive.
FCF yield
8.5%
Free cash flow / market cap.
Earnings yield
8.7%
Net income / market cap (the inverse of P/E).
Shareholder yield
1.8%
(Dividends paid + share buybacks) / market cap.
PEG
0.39x
P/E / EPS growth per year over 3 years (in percent). Only when both are positive.
Was California BanCorp \ CA profitable in fiscal 2025?
Yes. Net income was $63.1M, a net margin of -.
How much free cash flow did California BanCorp \ CA generate in fiscal 2025?
Cash from operations of $57.3M minus capital expenditures of $346.0K left free cash flow of $56.9M.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.