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California BanCorp (BCAL) earnings and revenue breakdown
Latest: Q3 2026 · 10-Q filed Nov 6, 2026 · California BanCorp (BCAL) Q3 2026 earnings results →
Q3 2026 Revenue up 2% year over year to $46.0M · 30¢ of every $1 of revenue kept as net profit · operating margin 40.0%
California BanCorp made $46.0M in Q3 2026 (+2% Y/Y): Net interest income $44.1M, Noninterest income $1.9M. Operating margin 40.0%, net earnings $14.0M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 6, 2026.
Drawing the Sankey…
Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF
What changed this quarter
Revenue was $46.0M in Q3 2026, up 2% year over year and up 3% from the previous quarter. Net interest income was the largest line at 96% of revenue. Net interest income added $1.6M year over year (up 4%), 189% of the total change. Noninterest income declined 29%.
Operating profit was $18.4M, a 40.0% margin (down 8.3 points year over year). Operating profit fell $3.4M even though revenue rose $863K versus a year earlier, so costs grew faster than sales. Total costs grew 18% against revenue growth of 2%. Net earnings were $14.0M, down 11% year over year. The effective tax rate was 23.9%.
Operating cash flow was $8.1M (down 49% year over year), 58% of net earnings. Non-cash charges added back $1.1M of depreciation and amortization and $1.4M of share-based compensation. Working capital and other items used $8.4M. Capital expenditures of $200K left free cash flow of $7.9M.
Quarterly history
| Quarter | Form | Filed | Revenue | Y/Y | Op. margin | Net earnings | Op. cash flow |
|---|---|---|---|---|---|---|---|
| Q3 2026 | 10-Q | Nov 6, 2026 | $46.0M | +2% | 40.0% | $14.0M | $8.1M |
Charts
Interactive views
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💵Where each $1 goesinteractive
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🌏Named in Asian annual reportsinteractive
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🔄Rotation against the market and its industry (RRG)interactive
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🔍Earnings qualityinteractive
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⚖️Fair value by methodinteractive
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🔭Outlook & guidanceinteractive
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📈Investments: gains and what it boughtinteractive
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🏭Its industry’s money flow (input-output)interactive
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About California BanCorp
California BanCorp is a California corporation incorporated on October 2, 2019 and is registered with the Board of Governors of the Federal Reserve System as a bank holding company for California Bank of Commerce, N.A. under the Bank Holding Company Act of 1956, as amended. On May 15, 2020, the Company completed a reorganization whereby the Bank became a wholly-owned subsidiary of the Company. California Bank of Commerce, N.A. began business operations in December 2001 under the name Ramona National Bank. The Bank changed its name to First Business Bank, N.A. in 2006, to Bank of Southern California, N.A. in 2010, and to California Bank of Commerce, N.A. on July 31, 2024. The Bank has a wholly-owned subsidiary, BCAL OREO1, LLC, which was incorporated on February 14, 2024. BCAL OREO1, LLC is used for holding other real estate owned and other assets acquired by foreclosure.
In its own words, from its 10-K, filed Mar 13, 2026.
California BanCorp against its National Commercial Banks peers
The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +2% against the peers' median +6%. Operating margin: 40.0% against the peers' median 32.5%.
| Company | Quarter | Revenue | Y/Y | Op. margin |
|---|---|---|---|---|
| BCAL California BanCorp | Q3 2026 | $46.0M | +2% | 40.0% |
| JPM JPMorgan Chase | Q3 2026 | $50.2B | +8% | 40.1% |
| BAC Bank of America | Q3 2026 | $30.0B | +3% | 29.9% |
| C Citigroup | Q3 2026 | $23.8B | +8% | 30.6% |
| WFC Wells Fargo | Q3 2026 | $21.9B | +2% | 32.5% |
| COF Capital One Financial | Q3 2026 | $16.3B | +6% | 28.0% |
| USB US Bancorp | Q3 2026 | $8.0B | +9% | 35.1% |
| PNC PNC Financial Services Group | Q3 2026 | $6.6B | +11% | 40.0% |
| TFC Truist Financial | Q3 2026 | $3.7B | -28% | 23.9% |
Source: California BanCorp 10-Q on SEC EDGAR · CIK 1795815 · National Commercial Banks
Guidance and outlook
13F: who owns BCAL and who is buying
More on BCAL
History
Every quarter: Q3 2026 results