Stocktoria
California BanCorp \ CA BCAL
Nasdaq · XNAS · stock · National Commercial Banks · website · IPO 2005-01-20
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4/9
Piotroski F — financial health
—
Altman Z″ — distress risk
5.2%
Dividend payout · safe
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Financials | ||||
| Net income | $63.1M | $5.4M | $25.9M | $16.1M |
| Operating cash flow | $57.3M | $50.3M | $33.1M | $13.4M |
| Free cash flow | $56.9M | $49.7M | $32.8M | $12.3M |
| Total assets | $4.0B | $4.0B | $2.4B | $2.3B |
| Total liabilities | $3.5B | $3.5B | $2.1B | $2.0B |
| Shareholders' equity | $576.6M | $511.8M | $288.2M | $260.4M |
| Ratios | ||||
| Return on assets | 1.6% | 0.1% | 1.1% | 0.7% |
| Return on equity | 10.9% | 1.1% | 9.0% | 6.2% |
| Debt / equity | 0.06× | 0.14× | 0.36× | 0.26× |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| Point72 Asset Management, L.P. | 68,118 | $1.2M |
Why these scores methodology →
Piotroski F-score: 4/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Sector peers
IX · MUFG · MFG · NMR · UNH · CI · all Finance, Insurance & Real Estate →
Source: SEC EDGAR filings · CIK 0001795815 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.