California BanCorp (BCAL) Cash Flow: Operating & Free Cash Flow

California BanCorp (BCAL) Cash Flow Statement

In fiscal 2025 (fiscal year ended Dec 31, 2025), California BanCorp generated $57.29M of operating cash flow and spent $346.00K on capital expenditures. That left free cash flow of $56.94M, up 14.5% from $49.74M a year earlier, or 24.0% of revenue. It returned $5.92M to shareholders through $3.25M in dividends and $2.66M in share buybacks.

California BanCorp Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for California BanCorp (BCAL) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	63.06	5.43	25.91	21.11	10.71	4.72	6.77	5.26	3.96
Depreciation & Amortization	5.62	3.64	1.92	2.00	1.72	1.45	1.28	0.79	0.44
Deferred Income Tax	11.48	-0.43	0.42	-2.55	0.14	-2.09	-0.16	0.00	0.00
Stock Based Compensation	5.82	6.24	4.52	3.68	5.50	2.65	0.60	0.00	0.00
Change in Working Capital	4.30	20.71	-1.79	-2.05	8.44	0.78	-0.13	1.11	0.36
Change in Accounts Payable	0.00	0.00	0.00	1.05	0.00	0.00	0.00	0.00	0.00
Change in Other Working Capital	-0.86	20.71	2.65	-7.73	-0.20	0.78	-0.13	1.11	0.36
Other Operating Activities	-0.86	14.70	2.65	-7.73	-0.20	4.84	0.01	0.27	-1.04
Net Cash from Operating Activities	57.29	50.29	33.10	13.35	19.65	12.36	8.37	7.43	3.73
Investing Activities
Capital Expenditures	-0.35	-0.55	-0.30	-1.08	-1.75	-1.77	-1.21	-0.65	-0.69
Acquisitions	0.00	336.30	0.00	0.00	-81.47	36.97	0.00	-20.57	0.00
Purchases of Investments	-123.04	-8.74	-67.69	-160.37	-28.37	-14.37	-0.01	-1.66	-18.99
Sales/Maturities of Investments	38.40	30.93	48.35	33.71	8.44	14.80	9.27	2.26	1.85
Other Investing Activities	12.45	166.72	-59.28	-0.26	-3.75	-337.32	-42.78	-17.83	-65.34
Net Cash from Investing Activities	29.75	524.66	-78.93	-512.70	8.52	-301.69	-34.73	-38.45	-83.18
Financing Activities
Debt Repayment	-38.00	-85.00	-57.00	-3.09	-213.93	126.49	-5.00	15.00	20.00
Common Stock Issued	0.13	0.00	0.13	0.02	0.00	40.63	11.44	25.14	0.80
Common Stock Repurchased	-2.66	-1.97	-0.89	-0.57	-3.67	0.00	0.00	0.00	0.00
Dividends Paid	-3.25	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Other Financing Activities	-28.14	-186.61	11.75	-40.24	518.62	282.19	44.10	17.67	29.96
Net Cash from Financing Activities	-75.29	-273.58	45.86	6.10	301.02	449.30	50.53	57.81	50.76
Summary
Net Change in Cash	11.75	301.37	0.03	-493.25	329.19	159.97	24.18	26.79	-28.69
Cash at Beginning of Period	388.16	86.79	86.76	580.01	250.82	90.85	66.67	0.00	0.00
Cash at End of Period	399.91	388.16	86.79	86.76	580.01	250.82	90.85	26.79	-28.69
Free Cash Flow	56.94	49.74	32.80	12.27	17.90	10.59	7.17	6.78	3.03
Supplemental Disclosures
Interest Paid	-	52.09	29.03	5.55	3.59	-	-	-	-
Income Taxes Paid	-	4.77	12.37	7.95	1.03	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About California BanCorp Cash Flow

What is California BanCorp's free cash flow?

California BanCorp generated free cash flow of $56.94M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $57.29M minus $346.00K of capital expenditures. That was up 14.5% from $49.74M a year earlier. Free cash flow equaled 24.0% of revenue.

How much does California BanCorp spend on capital expenditures?

California BanCorp spent $346.00K on capital expenditures in fiscal 2025, compared with $552.00K a year earlier. That equals 0.6% of operating cash flow.

Does California BanCorp pay dividends or buy back shares?

Yes. In fiscal 2025 California BanCorp returned $3.25M in dividends and $2.66M in share buybacks to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition