California BanCorp

NAS:BCALFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$21.59−0.78%At closeAt close · Tue 20 Oct · ≈ AED 79.29 · Market cap $694.13M · Next earnings Tue 27 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	80.8%	93.6%	88.0%	76.1%	57.5%	79.7%	—	—
Operating margin	12.5%	19.8%	22.4%	29.0%	4.5%	37.1%	37.1%	+0.0 pts
Net margin	8.7%	15.0%	16.4%	20.4%	2.9%	26.6%	26.6%	+0.0 pts
EBITDA margin	15.2%	22.2%	24.5%	30.6%	6.4%	39.5%	—	—
Return on equity	2.8%	4.3%	6.2%	9.0%	1.1%	10.9%	10.9%	+0.0 pts
Return on assets	0.3%	0.5%	0.7%	1.1%	0.1%	1.6%	1.6%	+0.0 pts
Return on capital employed	1.8%	4.8%	6.2%	8.8%	1.3%	3.1%	—	—
Debt / equity	0.2×	0.1×	0.3×	0.4×	0.2×	0.1×	0.1×	+0.0%
Debt / assets	2.5%	1.3%	3.5%	4.9%	2.2%	1.8%	—	—
Interest coverage	1.2×	4.2×	3.8×	1.3×	0.1×	1.5×	—	—
Current ratio	0.0×	0.0×	0.1×	0.1×	0.1×	0.2×	0.2×	+0.0%
Quick ratio	0.0×	0.0×	0.1×	0.1×	0.1×	0.2×	—	—
Cash ratio	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.1×	0.0×	0.1×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	5.2%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.