All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
4 warning events since 2020; the latest 2025-03-17.
From the record
California BanCorp's filings since 2020 show 4 warning events of 2 kinds: an auditor change (8-K item 4.01, 3 times, the latest 2024-05-09); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2025-03-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+34.2% a year over 4 filed years; profitable in 4 of 4.
From the record
California BanCorp's 4 filed years say what it did: revenue went from $94 million in fiscal 2022 to $226 million in fiscal 2025, up 34.2% a year; it rose in 3 of 3 years; it never fell from a peak; net income was positive in 4 of 4 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count grew 21.6% a year. 5% of cash flow returned. Insiders: 5 sales, 2 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, California BanCorp's diluted share count grew about 21.6% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 5 sales and 2 purchases of their own stock on the open market in the year to 2026-09-30, buying about $513 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 11%: 11¢ of profit per shareholder dollar. Leverage 86%: owes 86¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, California BanCorp earned about 11 cents of profit for every dollar of shareholders' money. Leverage: it owed about 86 cents per dollar of assets, and net share issuance: its share count grew 33.0% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 34% of 79 in its family; net margin 27.9%.
From the record
California BanCorp's standing among 79 graded names in its industry family: revenue of $226 million in fiscal 2025 ranks in the bottom 25% by size; a net margin of 27.9% ranks in the top 21%; revenue growth of 34.2% a year over the last 3 filed years ranks in the top 7% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
bottom 16% of 74 in its family for leadership; chief executive since 2026.
From the record
California BanCorp's leadership, from its insiders' filings and its current reports: the chief executive on the record is Rainer, David I (Chairman and CEO, as filed), filing under that title since 2026-08-03, 3 months (bottom 2% of its family); most of the 18 officers and directors filing now have filed since the record of its people begins (2023-05-10), a floor of 3.5 years the record cannot see past, so that part is not read; 8 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 29%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 24% of 71 in its family for room to expand.
From the record
California BanCorp's room to grow, from the newest filed statements (fiscal 2025): cash of $400 million against debt of $34 million leaves 9.1% of its assets as net cash, top 12% of its family; cash from operations less capital spending is 25.2% of revenue (top 35%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 42% of 79 in its family for growth drivers.
From the record
California BanCorp's growth drivers, from the filed years to fiscal 2025: revenue grew 34.2% a year over the last three filed years against 34.2% over all 4, speeding up (bottom 27% of its family); the newest year grew 25.7% (top 7%); capital spending grew -31.6% a year (bottom 7%) (its annual reports). California BanCorp tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
top 10% of 76 in its family for expectations against reality.
From the record
California BanCorp's newest year against its own record: revenue of $226 million in fiscal 2025 came in 9.3% below the $249 million its prior three years' pace pointed to (top 27% of its family); net income of $63 million against a prior three-year average of $16 million (top 1%); a net margin of 27.9% against 13.7% before (top 2%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made