Last 19 quarters of trend data · Financial Services · Regional Banks
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 12.06 | 12.41 | 11.84 | 10.55 | 9.34 | 8.69 | 9.16 | 6.89 | 8.11 | — | 336.75 | 14.34 | 18.07 | 10.01 | 9.53 | 8.21 | 9.15 | 10.66 | — | 48.25 |
| — | +42.9% | +29.2% | +53.1% | +15.1% | — | -97.3% | -51.9% | -55.1% | — | +3434.4% | +74.6% | +97.6% | -6.1% | — | -83.0% | — | — | — | — | |
| P/S Ratio | 3.87 | 3.75 | 3.78 | 3.27 | 3.33 | 3.03 | 2.91 | 2.61 | 2.97 | 2.69 | 2.85 | 3.20 | 3.62 | 2.72 | 2.61 | 2.54 | 3.04 | 2.96 | 3.06 | 3.60 |
| — | +24.0% | +30.1% | +25.2% | +12.3% | +12.7% | +2.0% | -18.3% | -17.9% | -1.4% | +9.3% | +25.8% | +18.8% | -8.1% | -14.6% | -29.3% | — | — | — | — | |
| P/B Ratio | 1.24 | 1.19 | 1.16 | 1.00 | 1.06 | 0.97 | 0.94 | 0.88 | 1.06 | 0.82 | 0.86 | 0.96 | 1.13 | 0.94 | 0.94 | 1.01 | 1.19 | 1.18 | 1.12 | 1.13 |
| — | +22.7% | +22.9% | +13.6% | +0.5% | +17.8% | +8.9% | -8.0% | -6.3% | -12.7% | -7.7% | -4.7% | -5.3% | -20.4% | -16.5% | -11.0% | — | — | — | — | |
| P/FCF | 33.68 | — | 11.85 | 17.44 | 7.35 | 8.62 | 9.62 | 17.03 | 5.76 | 5.65 | 370.22 | 8.80 | — | 5.88 | 5.36 | 3.70 | 8.71 | — | 9.15 | — |
| — | — | +23.2% | +2.4% | +27.8% | +52.5% | -97.4% | +93.5% | — | -3.8% | +6810.1% | +138.0% | — | — | -41.4% | — | — | — | — | — | |
| EV / EBITDA | 8.64 | 9.08 | 8.05 | 7.11 | 6.65 | 5.44 | 5.83 | 4.72 | 5.72 | — | 97.72 | 9.20 | 15.11 | 6.76 | 6.36 | 5.61 | 6.76 | 8.16 | — | 31.36 |
| — | +66.7% | +38.2% | +50.5% | +16.4% | — | -94.0% | -48.6% | -62.2% | — | +1437.6% | +63.9% | +123.4% | -17.2% | — | -82.1% | — | — | — | — | |
| EV / EBIT | 8.19 | 9.08 | 8.51 | 7.54 | 7.05 | 5.79 | 6.24 | 5.02 | 6.11 | — | 249.93 | 9.75 | 16.16 | 7.12 | 6.66 | 5.86 | 7.08 | 8.61 | — | 38.66 |
| — | +56.9% | +36.5% | +50.2% | +15.5% | — | -97.5% | -48.5% | -62.2% | — | +3651.6% | +66.3% | +128.1% | -17.3% | — | -84.8% | — | — | — | — |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 104.9% | 93.0% | 98.4% | 100.9% | 109.6% | 100.0% | 101.4% | 108.4% | 108.4% | 39.8% | 87.0% | 101.5% | 96.3% | 100.4% | 100.0% | 99.2% | 99.0% | 93.7% | 92.0% | 90.5% |
| — | -7.0% | -3.0% | -7.0% | +1.1% | +151.6% | +16.6% | +6.8% | +12.5% | -60.4% | -13.0% | +2.3% | -2.7% | +7.1% | +8.7% | +9.7% | — | — | — | — | |
| Operating Margin | 48.8% | 40.0% | 44.3% | 43.2% | 48.8% | 48.3% | 45.3% | 52.8% | 51.1% | -59.1% | 1.3% | 33.1% | 28.0% | 39.0% | 40.5% | 42.5% | 45.5% | 37.9% | -4.6% | 10.3% |
| — | -17.1% | -2.3% | -18.3% | -4.5% | +181.7% | +3520.1% | +59.5% | +82.2% | -251.5% | -96.9% | -22.0% | -38.5% | +3.0% | +972.9% | +312.8% | — | — | — | — | |
| Net Margin | 35.0% | 30.4% | 31.9% | 31.2% | 35.8% | 34.7% | 31.8% | 37.6% | 36.8% | -43.2% | 0.9% | 22.5% | 19.6% | 27.2% | 27.4% | 31.1% | 33.3% | 27.8% | -3.3% | 7.5% |
| — | -12.3% | +0.2% | -17.1% | -2.8% | +180.4% | +3620.3% | +66.9% | +87.4% | -258.6% | -96.9% | -27.5% | -41.0% | -2.1% | +936.1% | +316.9% | — | — | — | — |
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 11.6% | 2.4% | 2.5% | 2.4% | 2.9% | 2.8% | 2.6% | 3.2% | 3.3% | -4.2% | 0.1% | 1.7% | 1.6% | 2.4% | 2.5% | 3.1% | 3.3% | 2.8% | -0.3% | 1.1% |
| — | -14.9% | -6.0% | -26.1% | -13.4% | +167.8% | +3926.8% | +90.1% | +113.3% | -275.3% | -97.4% | -45.4% | -53.2% | -15.2% | +929.9% | +190.3% | — | — | — | — | |
| ROA | 1.6% | 0.3% | 0.4% | 0.3% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% | -0.5% | 0.0% | 0.2% | 0.2% | 0.3% | 0.3% | 0.4% | 0.4% | 0.3% | -0.0% | 0.1% |
| — | -11.5% | -0.3% | -18.8% | +1.1% | +178.7% | +4180.7% | +98.1% | +111.7% | -274.4% | -97.2% | -40.9% | -48.8% | -5.2% | +1015.4% | +193.3% | — | — | — | — | |
| ROIC | 10.6% | 2.2% | 2.3% | 2.2% | 2.7% | 2.7% | 2.4% | 2.9% | 2.9% | -3.6% | 0.1% | 1.4% | 1.3% | 2.2% | 2.4% | 2.7% | 2.8% | 2.6% | -0.3% | 1.0% |
| — | -15.9% | -3.9% | -23.2% | -9.8% | +173.2% | +3966.9% | +101.3% | +124.3% | -262.9% | -97.5% | -45.4% | -53.4% | -13.4% | +953.5% | +165.1% | — | — | — | — |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q3 '26 | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.12 | 0.03 | 0.09 | 0.09 | 0.12 | 0.09 | 0.13 | 0.16 | 0.17 | 0.18 | 0.18 | 0.19 | 0.40 | 0.14 | 0.16 | 0.11 | 0.30 | 0.12 | 0.11 | 0.12 |
| — | -64.2% | -28.9% | -43.8% | -27.7% | -47.5% | -30.8% | -14.5% | -56.9% | +28.3% | +16.3% | +79.4% | +31.8% | +16.9% | +41.5% | -10.7% | — | — | — | — | |
| Debt / EBITDA | 0.77 | 1.05 | 2.52 | 2.64 | 3.02 | 2.27 | 3.24 | 3.47 | 3.54 | — | 75.73 | 7.32 | 17.08 | 3.89 | 4.15 | 2.45 | 6.49 | 2.96 | — | 12.06 |
| — | -53.7% | -22.1% | -24.1% | -14.7% | — | -95.7% | -52.6% | -79.3% | — | +1724.2% | +199.5% | +163.1% | +31.4% | — | -79.7% | — | — | — | — | |
| Current Ratio | 0.24 | — | 0.11 | 0.10 | 0.24 | 0.03 | 0.03 | 0.03 | 0.06 | 0.07 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 | — | — | — |
| — | — | +314.2% | +292.5% | +308.7% | -62.6% | -66.9% | -71.5% | -29.0% | -6.0% | -5.5% | +7.9% | -6.3% | — | — | — | — | — | — | — | |
| Quick Ratio | 0.24 | — | 0.11 | 0.10 | 0.24 | 0.03 | 0.03 | 0.03 | 0.06 | 0.07 | 0.08 | 0.09 | 0.08 | 0.08 | 0.08 | 0.09 | 0.09 | — | — | — |
| — | — | +314.2% | +292.5% | +308.7% | -62.6% | -66.9% | -71.5% | -29.0% | -6.0% | -5.5% | +7.9% | -6.3% | — | — | — | — | — | — | — | |
| Interest Coverage | 1.55 | 1.52 | 1.71 | 1.63 | 1.69 | 1.49 | 1.40 | 1.63 | 1.29 | -1.31 | 0.03 | 0.67 | 0.63 | 1.14 | 1.45 | 2.60 | 4.03 | 5.98 | -1.61 | 2.89 |
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Includes 30+ ratios · 19 years · Updated daily
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Quick answers to the most common questions about buying BCAL stock.
California BanCorp's current P/E is 12.1x. The average P/E over the last 4 quarters is 11.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
California BanCorp's current operating margin is 48.8%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking California BanCorp's business trajectory between earnings reports.