Filing Flows › California BanCorp (BCAL) › Q3 2026 › vs Q3 2025
California BanCorp (BCAL) Q3 2026 vs Q3 2025 (year over year)
California BanCorp's revenue rose $863K (+2%) from $45.2M in Q3 2025 to $46.0M in Q3 2026. The biggest changes: Net interest income +$1.6M (+4%); Noninterest income −$766K (-29%). Operating margin 40.0% against 48.3% (-8.3 pts).
California BanCorp, Q3 2026: revenue $46.0M (+2% year over year), operating margin 40.0%, net earnings $14.0M, operating cash flow $8.1M. The chart draws each line against Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 40.0% | 48.3% | -8.3 pts |
| Net margin | 30.4% | 34.7% | -4.3 pts |
| Free cash flow margin | 17.1% | 35.1% | -18.0 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Net interest income | $44.1M | $42.5M | $1.6M | +4% |
| Noninterest income | $1.9M | $2.7M | −$766K | -29% |
| Revenue | $46.0M | $45.2M | $863K | +2% |
| Operating profit | $18.4M | $21.8M | −$3.4M | -16% |
| Costs & expenses | $27.6M | $23.4M | $4.3M | +18% |
| Pre-tax earnings | $18.4M | $21.8M | −$3.4M | -16% |
| Noninterest expense | $24.4M | $23.4M | $1.0M | +4% |
| Net earnings | $14.0M | $15.7M | −$1.7M | -11% |
| Income tax | $4.4M | $6.1M | −$1.7M | -28% |
| Depreciation & amortization | $1.1M | $1.4M | −$257K | -19% |
| Share-based compensation | $1.4M | $1.5M | −$74K | -5% |
| Working capital & other | $8.4M | $2.5M | $5.9M | +233% |
| Operating cash flow | $8.1M | $16.0M | −$7.9M | -49% |
| Free cash flow (OCF − capex) | $7.9M | $15.9M | −$8.0M | -50% |
| Capital expenditures | $200K | $108K | $92K | +85% |
Questions
How much did California BanCorp's revenue grow year over year in Q3 2026?
California BanCorp's revenue rose $863K (+2%) from $45.2M in Q3 2025 to $46.0M in Q3 2026.
What drove California BanCorp's revenue change in Q3 2026?
Net interest income +$1.6M (+4%); Noninterest income −$766K (-29%).