California BanCorp
Financials · State Commercial Banks · CA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY23 | FY22 | FY21 | FY20 | FY19 | |
|---|---|---|---|---|---|
| Revenue | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $21.6M | $21.1M | $13.4M | $473,000 | $1.9M |
| Total assets | $1.99B | $2.04B | $2.01B | $1.91B | $1.15B |
| Total liabilities | $1.79B | $1.87B | $1.86B | $1.77B | $1.02B |
| Equity | $196.5M | $172.3M | $150.8M | $136.4M | $130.3M |
| EPS (diluted) | $2.56 | $2.51 | $1.61 | $0.06 | $0.23 |
| Shares out. | 8.3M | 8.3M | 8.2M | 8.2M | 8.1M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2023- Operating margin
- —
- Net margin
- —
- Return on equity
- 11.0%
- Return on assets
- 1.1%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.1%
- Debt / equity
- 9.11×
- Book value / share
- $23.56
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 2.5%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2023- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 5/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Kmissed a reporting deadline ↗Mar 31, 2020
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Myers Scott AlexanderOfficer — SEVP, Chief Lending Offier | Aug 3, 2023 | Sell | 3,254 | $18.66 |
| Cullen Kevin J.Director | Jul 31, 2024 | D | 51,027 | $0.00 |
| Muller Frank L.Director | Jul 31, 2024 | D | 18,718 | $0.00 |
| Levenson JulieDirector | Jul 31, 2024 | D | 9,085 | $0.00 |
| Wilm Theodore A.Director | Jul 31, 2024 | D | 3,739 | $0.00 |
| Sa Thomas AOfficer — President, CFO and COO | Jul 31, 2024 | D | 30,115 | $0.00 |
| Cortese Stephen A.Director | Jul 31, 2024 | D | 242,823 | $0.00 |
| Wirfel MichelleOfficer — SEVP and Chief Banking Officer | Jul 31, 2024 | D | 29,057 | $0.00 |
| Klein Rochelle G.Director | Jul 31, 2024 | D | 137,021 | $0.00 |
| Dathe Stephen R.Director | Jul 31, 2024 | Grant | 54,395 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Results of operations · Regulation FD disclosureJan 29, 2025
- Completed an acquisition or disposition · Delisting / listing-standard notice · Modified shareholder rights · Change in control · Director / officer change · Other material eventJul 31, 2024
- Results of operations · Regulation FD disclosureJul 29, 2024
- Shareholder vote · Other material eventJul 18, 2024
- Other material eventMay 13, 2024
- Results of operations · Regulation FD disclosureApr 29, 2024
- Results of operations · Regulation FD disclosureJan 30, 2024
- Entered a material agreement · Regulation FD disclosureJan 30, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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