BCALCalifornia BanCorp \ CA
National Commercial Banks
- Revenue
- —
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- −$230M net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear91% of net incomeCash flow under 80% of net income
- Dilutive SBCClear—Over 10% of revenue
- Payouts exceed cash flowClear12% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|
| Net income | $16M | $26M | $5M | $63M | 1061% |
| Operating cash flow | $13M | $33M | $50M | $57M | 14% |
| Capex | $1M | $302K | $552K | $346K | 37% |
| Stock-based comp | $4M | $5M | $6M | $6M | 6.8% |
| Buybacks | $574K | $889K | $0 | $3M | |
| Dividends | — | — | $0 | $3M |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $10K · 1
- Open-market sells, 12 mo
- $0 · 0
- Net
- $10K
Pay vs performance
No pay-versus-performance disclosure yet.