California BanCorp \ CA
BCALOther · <br>Emerging growth company · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | |
|---|---|---|---|---|
| Revenue | — | — | — | — |
| Operating income | — | — | — | — |
| Net income | $63.1M | $5.4M | $25.9M | $16.1M |
| Total assets | $4.03B | $4.03B | $2.36B | $2.28B |
| Total liabilities | $3.46B | $3.52B | $2.07B | $2.02B |
| Equity | $576.6M | $511.8M | $288.2M | $260.4M |
| EPS (diluted) | $1.93 | $0.22 | $1.39 | $0.88 |
| Shares out. | 32.4M | 18.4M | 18.4M | 17.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.9%
- Return on assets
- 1.6%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 85.7%
- Debt / equity
- 6.00×
- Book value / share
- $17.79
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 1060.6%
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 · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 4/6mixed
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. What these scores mean →
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 17, 2025
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.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Alliancebernstein L.P.Passive (13G)Feb 17, 2026
- Endeavour Capital Advisors IncPassive (13G)Feb 13, 2026
- Castle Creek Capital Partners Vi, LpPassive (13G)Feb 10, 2026
- Wellington Management Group LlpPassive (13G)Feb 10, 2026
- Fj Capital Management LlcPassive (13G)Jan 29, 2026
- Fourthstone LlcPassive (13G)Nov 14, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Cullen Kevin J.Director | May 21, 2026 | Grant | 1,040 | $0.00 |
| Cortese Stephen A.Director | May 21, 2026 | Grant | 1,040 | $0.00 |
| Armanino Andrew J.Director | May 21, 2026 | Grant | 1,040 | $0.00 |
| Hernandez RichardOfficer — President | May 8, 2026 | Sell | 17,000 | $19.12 |
| Rainer David IOfficer — Executive Chairman | May 7, 2026 | Sell | 75,000 | $19.00 |
| Hernandez RichardOfficer — President | May 5, 2026 | Tax withholding | 1,208 | $18.85 |
| Wirfel MichelleOfficer — EVP, Chief Operating Officer | Apr 28, 2026 | Tax withholding | 115 | $18.92 |
| Nutz PeterOfficer — EVP/ Chief Credit Officer | Apr 20, 2026 | Tax withholding | 143 | $18.76 |
| Dolan Thomas G.Officer — EVP / Bancorp CFO/ CSO | Apr 15, 2026 | J | 5,114 | $0.00 |
| Liska MartinOfficer — EVP / Chief Risk Officer | Apr 10, 2026 | J | 3,674 | $0.00 |
| Wirfel MichelleOfficer — EVP, Chief Operating Officer | Apr 12, 2026 | Tax withholding | 154 | $18.38 |
| Wirfel MichelleOfficer — EVP, Chief Operating Officer | Mar 25, 2026 | Tax withholding | 595 | $17.55 |
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.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 765,603 | 4.4 | +12.6% |
| Apr 30, 2026 | 679,813 | 4.0 | -8.8% |
| Apr 15, 2026 | 745,043 | 3.6 | -19.3% |
| Mar 31, 2026 | 923,687 | 3.5 | +121.6% |
| Mar 13, 2026 | 416,873 | 2.8 | +21.6% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Director / officer change · Shareholder vote · Other material eventMay 28, 2026
- Regulation FD disclosureMay 5, 2026
- Results of operations · Regulation FD disclosureApr 28, 2026
- Other material eventMar 12, 2026
- Director / officer changeFeb 18, 2026
- Results of operations · Regulation FD disclosureJan 28, 2026
- Director / officer change · Regulation FD disclosureJan 7, 2026
- Other material eventDec 8, 2025
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 ↗- S-8May 28, 2026
- 8-KMay 28, 2026
- 4PRIMARY DOCUMENTMay 26, 2026
- 4PRIMARY DOCUMENTMay 26, 2026
- 4PRIMARY DOCUMENTMay 26, 2026
- 144May 18, 2026
- 4PRIMARY DOCUMENTMay 12, 2026
- 4PRIMARY DOCUMENTMay 8, 2026
- 10-QMay 8, 2026
- 144May 7, 2026
- 4PRIMARY DOCUMENTMay 6, 2026
- 8-KMay 5, 2026
- 4PRIMARY DOCUMENTApr 30, 2026
- 8-KApr 28, 2026
- 4PRIMARY DOCUMENTApr 22, 2026
Event-driven situations (1)
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