California BanCorp

CALB

CALBCalifornia BanCorp US flag

NASDAQ Global Select

25.09

USD

+0.26

- -

212.56MMarket Cap

Income Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Sales/Revenue/Turnover	29	33	40	45	49	59	78	79
+ Sales & Services Revenue	29	33	40	45	49	59	78	79
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	15	15	16	21	22	26	29	32
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-15	-15	-16	-21	-22	-26	-29	-32
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-8	-11	-12	-10	-6	-18	-30	-31
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-8	-11	-12	-10	-6	-18	-30	-31
Pretax Income	8	11	12	10	6	18	30	31
- Income Tax Expense (Benefit)	3	6	3	3	2	5	9	9
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	5	6	9	7	4	13	21	22
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	5	6	9	7	4	13	21	22
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	5	6	9	7	4	13	21	22
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	5	6	9	7	4	13	21	22
EBIT	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	1	1	1	1	2	1	1
EBITDA Margin (%)	0.92	2.4	2.36	1.95	2.86	2.66	1.89	1.19
EBITA	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	17.99	17.05	22.03	15.49	8.79	22.69	26.94	27.24
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.02	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	1	1	1	1	2	1	1
Basic Weighted Avg Shares	6	6	7	8	8	8	8	8
Basic EPS, GAAP	0.81	0.89	1.22	0.87	0.53	1.63	2.54	2.58
Basic EPS from Cont Ops	0.84	0.89	1.22	0.87	0.53	1.63	2.54	2.58
Diluted Weighted Avg Shares	7	7	7	8	8	8	8	8
Diluted EPS, GAAP	0.77	0.85	1.19	0.86	0.53	1.61	2.51	2.56
Diluted EPS from Cont Ops	0.79	0.85	1.19	0.86	0.53	1.61	2.51	2.56

Balance Sheet (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	103	99	116	48	78	79	64	72
+ Cash & Cash Equivalents	87	86	79	20	22	5	17	28
+ ST Investments	16	13	37	29	55	75	47	45
+ Accounts & Notes Receiv	9	12	15	34	40	41	40	- -
+ Accounts Receivable, Net	9	12	15	34	40	41	40	- -
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-112	-111	-131	-83	-117	-120	-104	-72
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	3	3	2	4	6	4	3	2
+ Property, Plant & Equip	5	6	6	8	13	13	13	13
- Accumulated Depreciation	3	3	4	5	7	8	10	11
+ LT Investments & Receivables	16	13	43	29	55	103	156	145
+ LT Investments	16	13	43	29	55	103	156	145
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-18	-16	-45	-32	-61	-108	-159	-148
+ Total Intangible Assets	8	8	8	8	8	8	7	7
+ Goodwill	7	7	7	7	- -	- -	- -	- -
+ Other Intangible Assets	1	- -	- -	- -	8	8	7	7
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-26	-24	-53	-40	-68	-115	-166	-155
Total Assets	765	866	1,006	1,152	1,906	2,015	2,042	1,986
+ Payables & Accruals	4	5	5	19	23	24	24	- -
+ Accounts Payable	4	5	5	19	23	24	24	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	1	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	1	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-4	-6	-5	-19	-23	-24	-24	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-4	-6	-5	-19	-23	-24	-24	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	34	16	5	15	214	160	54	129
+ LT Borrowings	34	16	5	15	214	160	54	129
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	-34	-16	-5	-15	-214	-160	-54	-129
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-34	-16	-5	-15	-214	-160	-54	-129
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	688	782	885	1,022	1,769	1,864	1,870	1,789
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	138	154	209	106	108	109	111	113
+ Common Stock	69	77	105	106	108	109	111	113
+ Additional Paid in Capital	69	77	105	- -	- -	- -	- -	- -
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	8	8	17	24	28	41	62	84
+ Other Equity	- -	- -	- -	- -	1	- -	-1	-1
Equity Before Minority Interest	77	85	121	130	136	151	172	196
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	77	85	121	130	136	151	172	196
Total Liabilities & Equity	765	866	1,006	1,152	1,906	2,015	2,042	1,986
Shares Outstanding	6	6	8	8	8	8	8	8
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt	-53	-69	-74	-5	192	156	37	102
Net Debt to Equity	-69.86	-81.43	-60.91	-3.53	140.42	103.4	21.75	51.8
Tangible Common Equity Ratio	9.08	8.96	11.37	10.72	6.79	7.14	8.1	9.55
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

+ Net Income	5	6	9	7	4	13	21	22
+ Depreciation & Amortization	- -	1	1	1	1	2	1	1
+ Non-Cash Items	- -	3	1	2	8	-2	2	4
+ Stock-Based Compensation	- -	- -	1	1	1	1	2	2
+ Deferred Income Taxes	- -	2	-1	-1	- -	-2	-1	- -
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	- -	1	- -	2	7	-1	2	2
+ Chg in Non-Cash Work Cap	1	- -	-1	2	1	3	4	2
+ (Inc) Dec in Accts Receiv	1	-1	- -	1	-3	3	3	-9
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	1	- -	1	4	1	1	11
+ Inc (Dec) in Other	- -	- -	- -	-1	-1	-1	-1	-1
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	7	9	10	12	15	16	29	28
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	-1	- -	-3	-4	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	-1	- -	-3	-4	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	4	- -	24	- -	- -	- -	- -	- -
+ Increase in Capital Stock	4	- -	24	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	14	1	-32	13	-28	-50	-56	10
+ Dec in LT Investment	16	3	23	15	17	16	23	11
+ Inc in LT Investment	-2	-2	-55	-2	-45	-66	-79	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-108	-105	-115	-112	-422	-9	-216	33
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-94	-105	-147	-101	-454	-59	-272	43
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	5	-18	-11	- -	199	-53	-106	- -
+ Cash From Debt	5	11	- -	10	199	64	- -	- -
+ Repayments of Debt	- -	-29	-12	-10	- -	-118	-106	- -
+ Other Financing Activities	97	112	117	125	544	148	112	-91
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	106	94	130	125	743	95	5	-91
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	19	-1	-7	36	304	52	-238	-20
EBITDA	- -	1	1	1	1	2	1	1
EBITDA Margin (%)	0.92	2.4	2.36	1.95	2.86	2.66	1.89	1.19
Free Cash Flow	6	8	10	10	11	16	29	28
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	6	8	10	10	11	16	29	28
Free Cash Flow to Equity	- -	-10	-1	10	210	-37	-78	28
Free Cash Flow per Basic Share	1	1.3	1.38	1.24	1.38	1.95	3.43	3.36
Price/Free Cash Flow	- -	14.01	12.99	10.86	6.96	10.74	6.94	7.4
Cash Flow to Net Income	1.27	1.65	1.13	1.78	3.43	1.21	1.36	1.3
Capital Expenditures	- -	-1	- -	-3	-4	- -	- -	- -