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California BanCorp cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$7.9M in Q3 2026 · $51.3M over twelve months

Operating cash flow$8.1M
Capital spending−$200K
Free cash flow+$7.9M
Cash / net income0.6×

Analysis

In Q3 2026, California BanCorp generated $8.1M of operating cash flow and spent $200K on capital projects, leaving free cash flow of $7.9M. That is $8.0M less than in Q3 2025 ($15.9M).

Over the twelve months to Sep 30, 2026, operating cash flow was $52.3M; the largest uses were other investing ($294M), other financing ($21.3M), buybacks ($16.0M); besides operations, cash came from shares issued ($413K); the cash balance fell by $293M.

Operating cash flow was $8.1M against net income of $14.0M — 0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: other operating capital −$7.0M, stock-based pay +$1.4M, depreciation & amortization +$1.1M.

Free cash flow

California BanCorp: free cash flow by quarterCalifornia BanCorp: free cash flow by quarter$23.5MQ4 2024$6.9MQ1 2025$13.4MQ2 2025$15.9MQ3 2025$20.8MQ4 2025$8.3MQ1 2026$14.3MQ2 2026$7.9MQ3 2026
Operating cash flow less capital spending.
California BanCorp: operating cash flow against capital spendingCalifornia BanCorp: operating cash flow against capital spendingOperating cash flowCapital spending$23.6M$142KQ4 2024$7.0M$105KQ1 2025$13.4M$34KQ2 2025$16.0M$108KQ3 2025$20.9M$99KQ4 2025$8.5M$236KQ1 2026$14.8M$516KQ2 2026$8.1M$200KQ3 2026
Latest (Q3 2026): Operating cash flow $8.1M, Capital spending $200K.

Capital allocation, year by year

California BanCorp: where the cash came from (up) and went (down), by fiscal yearCalifornia BanCorp: where the cash came from (up) and went (down), by fiscal yearOperating cash flowShares issuedAsset salesCapital spendingAcquisitionsBuybacksDividendsFY2022: Operating cash flow $13.4MFY2022: Shares issued $1.0MFY2022: Asset sales $3.9MFY2022: Capital spending −$1.1MFY2022: Buybacks −$574K$18.3MFY2022FY2023: Operating cash flow $33.1MFY2023: Shares issued $127KFY2023: Capital spending −$302KFY2023: Buybacks −$889K$33.2MFY2023FY2024: Operating cash flow $50.3MFY2024: Shares issued $950KFY2024: Capital spending −$552KFY2024: Acquisitions $336M$388MFY2024FY2025: Operating cash flow $57.3MFY2025: Shares issued $132KFY2025: Capital spending −$346KFY2025: Buybacks −$3.4MFY2025: Dividends −$3.3M$57.4MFY2025
Over these 4 years operating cash flow totalled $154M; the largest uses were buybacks ($4.8M) and dividends ($3.3M). Cash-flow statements as filed.

Where the cash came from and went

California BanCorp: sources (+) and uses (−) of cash, Q3 2026California BanCorp: sources (+) and uses (−) of cash, Q3 2026Other financing$81.8MOther investing−$80.4MOperating cash flow$8.1MBuybacks−$4.6MDividends−$3.2MCash drawn (+) / kept (−)−$1.7MCapital spending−$200KShares issued$97K
California BanCorp: sources (+) and uses (−) of cash, TTM to Q3 2026California BanCorp: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$294MCash drawn (+) / kept (−)$293MOperating cash flow$52.3MOther financing−$21.3MBuybacks−$16.0MDividends−$12.9MCapital spending−$1.1MShares issued$413K

From profit to cash

California BanCorp: net income to operating cash flow, Q3 2026California BanCorp: net income to operating cash flow, Q3 2026Net income$14.0MDepreciation & amortization$1.1MStock-based pay$1.4MDeferred taxes$515KOther operating capital−$7.0MOperating cash flow$8.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsShares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$8.1M−$200K−$4.6M−$3.2M$97K−$1.7M$7.9M
Q2 2026$14.8M−$516K−$2.0M−$3.2M$88K$146M$14.3M
Q1 2026$8.5M−$236K−$7.4M−$3.2M$228K−$11.2M$8.3M
Q4 2025$20.9M−$99K−$2.0M−$3.3M—$159M$20.8M
Q3 2025$16.0M−$108K−$1.4M—$31K−$129M$15.9M
Q2 2025$13.4M−$34K——$61K$9.1M$13.4M
Q1 2025$7.0M−$105K——$40K−$51.1M$6.9M
Q4 2024$23.6M−$142K$968K—$234K$226M$23.5M

California BanCorp: income statement and cash flow

California BanCorp, Q3 2026: revenue $46.0M (+2% year over year), operating margin 40.0%. The chart follows the revenue to costs, profit and cash.

California BanCorp: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.