California 银行 BCAL
$21.79 +$0.17 (+0.79%)
休市 · Nov 6, 8:10 pm ET · 最新盘后价 $21.79 0.00%
开盘$22.21
昨收$21.62
当日区间$21.75 – $22.41
成交量126.0K
市值$696.24M
市盈率（TTM）12.0
股息率1.93%
基本面
最新报告季度：Q3, ended Sep 2026
营收$46.05M+1.9% YoY
净利润$14.02M-10.6% YoY
摊薄每股收益$0.43-10.4% YoY
自由现金流$14.30M+6.8% YoY
经营现金流$14.82M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率32.3%
净资产收益率10.2%
资产收益率1.4%
负债/资产比率85.8%
现金及投资$41.56M
总负债$19.37M
净现金（净负债）$22.19M
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $46.05M | $44.91M | $44.22M | $180.18M | $45.90M |
| 净利息收入 | $44.14M | $43.35M | $42.08M | $169.09M | $42.91M |
| -利息收入 | $56.30M | $54.93M | $53.79M | $225.98M | $56.18M |
| -利息支出 | $12.16M | $11.58M | $11.70M | $56.89M | $13.28M |
| 非利息收入 | $1.90M | $1.55M | $2.14M | $11.09M | $3.00M |
| -已赚保费合计 | $501,000.00 | $496,000.00 | $518,000.00 | $2.34M | $487,000.00 |
| -手续费及佣金 | $1.23M | $1.15M | $1.18M | $5.02M | $1.25M |
| -其他非利息收入 | $167,000.00 | -$93,000.00 | $441,000.00 | $3.15M | $1.26M |
| -资产出售损益 | $0.00 | $0.00 | $0.00 | $577,000.00 | $0.00 |
| 信用损失准备 | -$3.22M | -$714,000.00 | $381,000.00 | $8.82M | $4.40M |
| 非利息支出 | $24.40M | $24.35M | $25.44M | $99.01M | $25.87M |
| 物业及设备费用 | $2.00M | $1.94M | $1.99M | $8.60M | $2.30M |
| 专业及外包服务费用 | $1.08M | $850,000.00 | $709,000.00 | $3.65M | $972,000.00 |
| 销售及管理费用 | $15.74M | $15.90M | $16.89M | $63.75M | $16.73M |
| -管理费用 | $15.74M | $15.90M | $16.89M | $63.75M | $16.73M |
| 折旧、摊销与折耗 | $776,000.00 | $800,000.00 | $800,000.00 | $3.79M | $947,000.00 |
| -折旧与摊销 | $776,000.00 | $800,000.00 | $800,000.00 | $3.79M | $947,000.00 |
| 其他非利息支出 | $4.82M | $4.86M | $5.05M | $19.22M | $4.93M |
| 税前利润 | $18.43M | $19.85M | $19.09M | $87.96M | $22.39M |
| 税费 | $4.41M | $5.55M | $5.30M | $24.90M | $5.97M |
| 净利润 | $14.02M | $14.30M | $13.79M | $63.06M | $16.42M |
| 持续经营利润 | $14.02M | $14.30M | $13.79M | $63.06M | $16.42M |
| 归属母公司净利润 | $14.02M | $14.30M | $13.79M | $63.06M | $16.42M |
| 归属普通股股东净利润 | $14.02M | $14.30M | $13.79M | $63.06M | $16.42M |
| 基本每股收益 | $0.44 | $0.44 | $0.43 | $1.95 | $0.51 |
| 摊薄每股收益 | $0.43 | $0.44 | $0.42 | $1.93 | $0.50 |
| 每股股息 | $0.12 | $0.10 | $0.10 | $0.10 | $0.10 |
| 特殊收益（费用） | – | $0.00 | -$75,000.00 | -$2.04M | -$2.04M |
| 其他收入（支出） | – | – | -$75,000.00 | -$2.04M | -$2.04M |
| -减：其他特殊支出 | – | – | $75,000.00 | $2.04M | $2.04M |
| -减：重组及并购费用 | – | – | – | $0.00 | $0.00 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $4.11B | $4.03B | $4.05B | $4.03B | $4.03B |
| 现金、现金等价物及联邦基金出售 | $297.63M | $280.59M | $426.78M | $430.85M | $430.85M |
| -现金及现金等价物 | $41.56M | $55.20M | $56.39M | $52.01M | $52.01M |
| -货币市场投资 | $225.09M | $225.39M | $370.39M | $347.90M | $347.90M |
| -受限现金及投资 | $30.98M | – | – | $30.93M | $30.93M |
| 证券投资 | $371.57M | $361.55M | $351.47M | $287.83M | $287.83M |
| -持有至到期证券 | $52.67M | $52.76M | $52.85M | $52.94M | $52.94M |
| -短期投资 | $318.90M | $117,000.00 | $40,000.00 | $23,000.00 | $23,000.00 |
| 贷款净额 | $3.13B | $3.08B | $2.96B | $3.02B | $3.02B |
| -贷款总额 | $3.16B | $3.11B | $3.00B | $3.06B | $3.06B |
| -贷款及租赁损失准备 | $33.72M | $34.86M | $34.00M | $34.35M | $34.35M |
| 固定资产净值 | $27.74M | $26.82M | $27.44M | $27.21M | $27.21M |
| -固定资产原值 | $27.74M | $26.82M | $27.44M | $37.62M | $37.62M |
| 商誉及其他无形资产 | $127.04M | $127.81M | $128.61M | $129.41M | $129.41M |
| -商誉 | $110.93M | $110.93M | $110.93M | $110.93M | $110.93M |
| -其他无形资产 | $16.10M | $16.88M | $17.68M | $18.48M | $18.48M |
| 银行持有的寿险资产 | $68.40M | $67.90M | $67.41M | $67.37M | $67.37M |
| 抵债资产 | $8.61M | $8.61M | $8.61M | $0.00 | $0.00 |
| 递延资产 | $30.49M | $26.05M | $26.18M | $29.04M | $29.04M |
| 其他资产 | $44.00M | $34.89M | $34.00M | $37.04M | $37.04M |
| 负债合计 | $3.52B | $3.44B | $3.47B | $3.46B | $3.46B |
| 存款合计 | $3.48B | $3.36B | $3.39B | $3.37B | $3.37B |
| 长期债务及融资租赁负债 | $19.37M | $52.99M | $53.41M | $52.77M | $52.77M |
| -长期融资租赁负债 | $19.37M | $18.38M | $19.18M | $18.94M | $18.94M |
| 其他负债 | $28.49M | $26.53M | $24.01M | $33.45M | $33.45M |
| 股东权益合计 | $581.35M | $586.64M | $577.84M | $576.59M | $576.59M |
| 股东权益 | $581.35M | $586.64M | $577.84M | $576.59M | $576.59M |
| 股本 | $430.90M | $434.51M | $435.25M | $442.39M | $442.39M |
| -普通股 | $430.90M | $434.51M | $435.25M | $442.39M | $442.39M |
| 留存收益 | $167.54M | $157.41M | $146.36M | $135.81M | $135.81M |
| 不影响留存收益的损益 | -$17.08M | -$5.28M | -$3.77M | -$1.62M | -$1.62M |
| -可供出售证券 | – | $308.68M | $298.58M | $234.87M | $234.87M |
| 联邦住房贷款银行股票 | – | $15.31M | $15.31M | – | – |
| -长期债务 | – | $34.61M | $34.22M | $33.83M | $33.83M |
| -优先股 | – | $0.00 | $0.00 | $0.00 | $0.00 |
| -累计折旧 | – | – | – | -$10.41M | -$10.41M |
现金流量表
| 项目 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 | 2025 Q3 |
|---|---|---|---|---|---|
| 经营活动现金流 | $14.82M | $8.54M | $57.29M | $20.91M | $15.98M |
| 持续经营经营活动现金流净额 | $14.82M | $8.54M | $57.29M | $20.91M | $15.98M |
| 持续经营净利润 | $14.30M | $13.79M | $63.06M | $16.42M | $15.68M |
| 折旧、折耗与摊销 | $1.14M | $1.17M | $5.62M | $1.35M | $1.36M |
| 递延税款 | $764,000.00 | $3.76M | $11.48M | $2.71M | $819,000.00 |
| 营运资金变动 | $700,000.00 | -$6.42M | $4.30M | $10.69M | $2.27M |
| -Change in Other Working Capital | $700,000.00 | -$6.42M | $4.30M | $10.69M | $2.27M |
| 投资活动现金流净额 | -$121.30M | -$8.46M | $29.75M | -$84.78M | -$12.59M |
| 持续经营投资活动现金流净额 | -$121.30M | -$8.46M | $29.75M | -$84.78M | -$12.59M |
| 固定资产购置及出售净额 | -$516,000.00 | -$236,000.00 | -$346,000.00 | -$99,000.00 | -$108,000.00 |
| 投资购置及出售净额 | -$10.88M | -$66.24M | -$84.65M | -$24.25M | -$18.29M |
| 贷款净收益 | -$109.90M | $57.15M | $111.86M | -$60.33M | $5.78M |
| 其他投资变动净额 | -$1,000.00 | $869,000.00 | $2.89M | -$103,000.00 | $29,000.00 |
| 筹资活动现金流 | -$39.71M | $11.15M | -$75.29M | -$95.43M | $125.69M |
| 持续经营筹资活动现金流净额 | -$39.71M | $11.15M | -$75.29M | -$95.43M | $125.69M |
| 存款增减 | -$34.38M | $22.91M | -$28.14M | -$89.08M | $147.38M |
| Net Issuance Payments of Debt | $0.00 | $0.00 | -$38.00M | $0.00 | -$20.00M |
| 普通股发行净额 | -$173,000.00 | -$1.32M | -$2.66M | $272,000.00 | -$1.73M |
| 已付现金股利 | -$3.25M | -$3.25M | -$3.25M | – | – |
| 股票期权行使所得 | -$1.91M | -$7.18M | -$3.23M | -$3.37M | $31,000.00 |
| 期末现金余额 | $264.95M | $411.14M | $399.91M | $399.91M | $559.22M |
| 现金净变动 | -$146.19M | $11.23M | $11.75M | -$159.30M | $129.08M |
| 期初现金余额 | $411.14M | $399.91M | $388.16M | $559.22M | $430.14M |
| 自由现金流 | $14.30M | $8.30M | $56.94M | $20.81M | $15.87M |
| 其他非现金项目 | – | -$518,000.00 | -$860,000.00 | -$2.34M | $0.00 |
| 持续经营损益 | – | – | -$576,000.00 | $0.00 | $1,000.00 |
| 业务购买及出售净额 | – | – | $0.00 | $0.00 | – |
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