California BanCorp — Earnings Quality Grade A
BCAL · Financial Services
Strong financial health
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 41.0%, CFFO 13.9%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -37.3% vs revenue 41.0%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 0.91. Profits backed by cash
FCF $0.1B, FCF/NI = 0.90
Accruals ratio = 0.1%. Low accruals
Cash $0.1B covers 99% of debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 22% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
California BanCorp is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25