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Equiscale · Syntellia LLC
California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States. The company offers checking, savings, and money market accounts; and certificates of deposit. It also provides business loans, including construction and land development loans, commercial and industrial loans, small business administration loans, and consumer loans, as well as commercial real estate (CRE) loans comprising one- to four-family and multifamily residential loans, owner-occupied CRE loans, and non-owner-occupied CRE loans; lines of credit; home equity lines of credit; and letters of credit. In addition, the company offers treasury management; merchant services; escrow and sub-accounting solutions; cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; and ACH origination, courier, and lockbox processing services. It serves businesses, business owners and their trusts, limited liability corporations, business partnerships, associations, organizations, and governmental authorities, as well as the manufacturing, wholesale distribution, professional services, commercial real estate, healthcare, hospitality, commercial contractor, and non-profit organization sectors. The company was formerly known as Southern California Bancorp and changed its name to California BanCorp in August 2024. California BanCorp was founded in 2001 and is headquartered in San Diego, California.
Rule-based from financial data. Not advice.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $180M | - | $63M | $57M | 10.9% | 41.0% | 1060.6% |
| 2024 | $128M | - | $5M | $50M | 1.1% | 31.0% | -79.0% |
| 2023 | $98M | - | $26M | $33M | 9.0% | 5.7% | 60.8% |
| 2022 | $92M | - | $16M | $12M | 6.2% | - | - |
| 2021 | - | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 92.23 | 97.52 | 127.76 | 180.18 |
| Operating Revenue | - | 92.23 | 97.52 | 127.76 | 180.18 |
| Selling General And Administration | - | 38.02 | 40.10 | 51.26 | 63.75 |
| Interest Income | - | 93.58 | 123.52 | 179.80 | 225.98 |
| Interest Expense | - | 5.79 | 29.38 | 56.81 | 56.89 |
| Net Interest Income | - | 87.79 | 94.14 | 122.98 | 169.09 |
| Pretax Income | - | 21.98 | 36.86 | 8.26 | 87.96 |
| Tax Provision | - | 5.87 | 10.95 | 2.83 | 24.90 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -1.99 | 0 | -5.58 | -0.58 |
| Net Income Continuous Operations | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Net Income From Continuing And Discontinued Operation | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Net Income From Continuing Operation Net Minority Interest | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Net Income | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Net Income Common Stockholders | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Net Income Including Noncontrolling Interests | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Normalized Income | - | 21.59 | 25.91 | 16.16 | 64.52 |
| Diluted NI Availto Com Stockholders | - | 16.11 | 25.91 | 5.43 | 63.06 |
| Basic Average Shares | - | 17.82 | 18.25 | 24.70 | 32.34 |
| Diluted Average Shares | - | 18.23 | 18.66 | 24.70 | 32.75 |
| Reconciled Depreciation | - | 2 | 1.92 | 3.64 | 5.62 |
| Total Unusual Items | - | -7.47 | 0 | -16.31 | -2.04 |
| Total Unusual Items Excluding Goodwill | - | -7.47 | 0 | -16.31 | -2.04 |
| Special Income Charges | - | -7.47 | 0 | -16.31 | -2.04 |
| Gain On Sale Of Business | 0.73 | 0 | - | - | - |
| Other Special Charges | 0 | 6.29 | - | 0.02 | 2.04 |
| Restructuring And Mergern Acquisition | - | 1.18 | 0 | 16.29 | 0 |
| Gain On Sale Of Security | 0.05 | -0.99 | -0.97 | 0 | - |
| Depreciation Amortization Depletion Income Statement | - | 0.44 | 0.39 | 1.88 | 3.79 |
| Depreciation And Amortization In Income Statement | - | 0.44 | 0.39 | 1.88 | 3.79 |
| General And Administrative Expense | - | 38.02 | 40.10 | 51.26 | 63.75 |
| Salaries And Wages | - | 38.02 | 40.10 | 51.26 | 63.75 |
| Selling And Marketing Expense | 0.68 | - | - | - | - |
| Amortization | - | 0.44 | 0.39 | 1.88 | 3.79 |
| Amortization Of Intangibles Income Statement | - | 0.44 | 0.39 | 1.88 | 3.79 |
| Occupancy And Equipment | - | 6.21 | 6.23 | 7.24 | 8.60 |
| Professional Expense And Contract Services Expense | - | 2.60 | 3.21 | 2.56 | 3.65 |
| Other Non Interest Expense | - | 9.56 | 9.82 | 18.57 | 19.22 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| California BanCorpthis co. | BCAL | $621M | 9.84↓ discount | 1.08 | 10.9% | - |
| Heritage Insurance Holdings, Inc. | HRTG | $642M | 3.28 | 1.27 | 38.7% | - |
| Hippo Holdings Inc. | HIPO | $635M | 11.01 | 1.46 | 13.2% | - |
| Hingham Institution for Savings | HIFS | $634M | 11.62 | 1.32 | 11.4% | - |
| Washington Trust Bancorp, Inc. | WASH |
| - |
| - |
| - |
| - |
| $633M |
| 12.12 |
| 1.17 |
| 9.6% |
| - |
| Carter Bankshares, Inc. | CARE | $631M | 20.12 | 1.50 | 7.5% | - |
| Donegal Group Inc. | DGICA | $619M | 7.81 | 0.97 | 12.4% | - |
| Arrow Financial Corporation | AROW | $610M | 13.88 | 1.41 | 10.2% | - |
| Northpointe Bancshares, Inc. | NPB | $598M | 7.17 | 1.05 | 14.7% | - |
| Peer Median | - | 11.31 | 1.30 | 11.9% | - | |
Historically, Nov has averaged the highest return (+7.9%); Mar the lowest (-6.3%).
| Year | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | -3.6%Negative MonthJan 2026: -3.64% | +1.8%Neutral MonthFeb 2026: +1.78% | -3.2%Negative MonthMar 2026: -3.22% | +5.5%Positive MonthApr 2026: +5.47% | +1.6%Neutral MonthMay 2026: +1.55% | +9.8%Positive MonthJun 2026: +9.80% | +2.2%Positive MonthJul 2026: +2.21% | -1.1%*Neutral MonthAug 2026: -1.13% | — | — | — | — |
| 2025 | +0.4%Neutral MonthJan 2025: +0.36% | -3.7%Negative MonthFeb 2025: -3.67% | -10.4%Negative MonthMar 2025: -10.38% | -2.5%Negative MonthApr 2025: -2.51% | +6.9%Positive MonthMay 2025: +6.94% | +5.5%Positive MonthJun 2025: +5.49% | -4.9%Negative MonthJul 2025: -4.89% | +12.3%Positive MonthAug 2025: +12.34% | -1.0%Neutral MonthSep 2025: -0.95% | +10.9%Positive MonthOct 2025: +10.85% | +5.0%Positive MonthNov 2025: +4.98% | -3.8%Negative MonthDec 2025: -3.81% |
| 2024 | -5.2%Negative MonthJan 2024: -5.19% | -7.4%Negative MonthFeb 2024: -7.36% | -2.2%Negative MonthMar 2024: -2.17% | -6.2%Negative MonthApr 2024: -6.17% | -0.5%Neutral MonthMay 2024: -0.50% | -3.2%Negative MonthJun 2024: -3.23% | +17.2%Positive MonthJul 2024: +17.22% | -5.1%Negative MonthAug 2024: -5.13% | -1.3%Neutral MonthSep 2024: -1.27% | -1.4%Neutral MonthOct 2024: -1.42% | +22.9%Positive MonthNov 2024: +22.91% | -7.7%Negative MonthDec 2024: -7.70% |
| 2023 | +1.0%Neutral MonthJan 2023: +1.01% | +0.0%Neutral MonthFeb 2023: +0.00% | -15.0%Negative MonthMar 2023: -15.00% | +1.4%Neutral MonthApr 2023: +1.38% | -6.6%Negative MonthMay 2023: -6.55% | +0.2%Neutral MonthJun 2023: +0.22% | +11.9%Positive MonthJul 2023: +11.88% | -8.1%Negative MonthAug 2023: -8.14% | -0.6%Neutral MonthSep 2023: -0.64% | -4.0%Negative MonthOct 2023: -4.00% | +8.6%Positive MonthNov 2023: +8.62% | +18.8%Positive MonthDec 2023: +18.75% |
| 2022 | +2.7%Positive MonthJan 2022: +2.74% | +0.6%Neutral MonthFeb 2022: +0.65% | -0.6%Neutral MonthMar 2022: -0.65% | -2.9%Negative MonthApr 2022: -2.86% | -0.1%Neutral MonthMay 2022: -0.13% | +1.0%Neutral MonthJun 2022: +1.00% | +0.2%Neutral MonthJul 2022: +0.20% | +1.9%Neutral MonthAug 2022: +1.85% | +5.2%Positive MonthSep 2022: +5.19% | -0.6%Neutral MonthOct 2022: -0.62% | +3.7%Positive MonthNov 2022: +3.73% | +0.8%Neutral MonthDec 2022: +0.78% |
| 2021 | — | — | — | — | -0.7%Neutral MonthMay 2021: -0.73% | +7.0%Positive MonthJun 2021: +7.01% | -1.7%Neutral MonthJul 2021: -1.72% | +0.0%Neutral MonthAug 2021: +0.00% | +10.5%Positive MonthSep 2021: +10.46% | -2.8%Negative MonthOct 2021: -2.80% | -0.7%Neutral MonthNov 2021: -0.65% | -1.4%Neutral MonthDec 2021: -1.38% |
| Avg±SD |
Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation — the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.
This aggregates every month by calendar position — all Januaries together, all Februaries together, and so on — to show whether a given month has leaned positive or negative historically. ‘Simple’ counts each month as +1 or −1. ‘Weighted’ gives larger moves more influence: +2 above +10%, −2 below −10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations — read it as a historical tendency, not a reliable seasonal pattern.
This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.
Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen — at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in “Average from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.
