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Carter Bankshares vs California BanCorp: CARE and BCAL compared
Carter Bankshares is the larger company: $46.2M of revenue in its latest quarter (Q3 2026) against $46.0M for California BanCorp (Q3 2026). Carter Bankshares is growing faster (+18% against +2% a year earlier). California BanCorp is more profitable, with an operating margin of 40.0% against 13.8%.
Where the money goes: CARE and BCAL
Carter Bankshares (CARE) · Q3 2026
Carter Bankshares, Q3 2026: revenue $46.2M (+18% year over year), operating margin 13.8%, net earnings $7.8M, operating cash flow $1.5M. The chart follows the revenue to costs, profit and cash.
California BanCorp (BCAL) · Q3 2026
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 follows the revenue to costs, profit and cash.
| Carter Bankshares (CARE) | California BanCorp (BCAL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $46.2M | $46.0M |
| Revenue growth, Y/Y | +18% | +2% |
| Operating margin | 13.8% | 40.0% |
| Net earnings | $7.8M | $14.0M |
| Net margin | 16.8% | 30.4% |
| Operating cash flow | $1.5M | $8.1M |
| Free cash flow | — | $7.9M |
Where the revenue comes from
Carter Bankshares
- Net interest income: $41.2M (89%)
- Noninterest income: $5.0M (11%)
California BanCorp
- Net interest income: $44.1M (96%)
- Noninterest income: $1.9M (4%)
Questions
Which is bigger, Carter Bankshares or California BanCorp?
Carter Bankshares is the larger company: $46.2M of revenue in its latest quarter (Q3 2026) against $46.0M for California BanCorp (Q3 2026).
Is Carter Bankshares or California BanCorp growing faster?
Carter Bankshares is growing faster (+18% against +2% a year earlier).
Which is more profitable, Carter Bankshares or California BanCorp?
California BanCorp is more profitable, with an operating margin of 40.0% against 13.8%.
More: Carter Bankshares earnings · how Carter Bankshares makes money · California BanCorp earnings · how California BanCorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.