Revenue: As of FY2025 Q3, the actual value is USD 59.86 M.EPS: As of FY2025 Q3, the actual value is USD 0.48, beating the estimate of USD 0.3933.EBIT: As of FY2025 Q3, the actual value is USD -20.7 M.<h3>Financial Metrics by Segment</h3><h4>Segment Revenue</h4><ul><li>Interest and Fees on Loans: $48.721 million for the three months ended September 30, 2025, compared to $47.528 million for the same period in 2024. For the nine months ended September 30, 2025, it was $148.487 million, compared to $105.169 million for the same period in 2024.</li><li>Interest on Debt Securities: $2.142 million for the three months ended September 30, 2025, compared to $1.687 million for the same period in 2024. For the nine months ended September 30, 2025, it was $5.417 million, compared to $4.129 million for the same period in 2024.</li><li>Interest on Tax-Exempt Debt Securities: $302 thousand for the three months ended September 30, 2025, compared to $306 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $911 thousand, compared to $918 thousand for the same period in 2024.</li><li>Interest on Deposits at Other Financial Institutions: $5.416 million for the three months ended September 30, 2025, compared to $4.101 million for the same period in 2024. For the nine months ended September 30, 2025, it was $13.219 million, compared to $5.850 million for the same period in 2024.</li><li>Interest and Dividends on Other Interest-Earning Assets: $607 thousand for the three months ended September 30, 2025, compared to $505 thousand for the same period in 2024. For the nine months ended September 30, 2025, it was $1.765 million, compared to $1.174 million for the same period in 2024.</li></ul><h4>Operational Metrics</h4><ul><li>Net Interest Income: $42.515 million for the three months ended September 30, 2025, compared to $36.942 million for the same period in 2024. For the nine months ended September 30, 2025, it was $126.187 million, compared to $78.443 million for the same period in 2024.</li><li>(Reversal of) Provision for Credit Losses: - $15 thousand for the three months ended September 30, 2025, compared to $22.963 million for the same period in 2024. For the nine months ended September 30, 2025, it was - $4.425 million, compared to $25.525 million for the same period in 2024.</li><li>Net Interest Income After (Reversal of) Provision for Credit Losses: $42.530 million for the three months ended September 30, 2025, compared to $13.979 million for the same period in 2024. For the nine months ended September 30, 2025, it was $130.612 million, compared to $52.918 million for the same period in 2024.</li><li>Noninterest Income: $2.668 million for the three months ended September 30, 2025, compared to $1.174 million for the same period in 2024. For the nine months ended September 30, 2025, it was $8.090 million, compared to $3.756 million for the same period in 2024.</li><li>Noninterest Expense: $23.382 million for the three months ended September 30, 2025, compared to $37.680 million for the same period in 2024. For the nine months ended September 30, 2025, it was $73.135 million, compared to $71.666 million for the same period in 2024.</li><li>Net Income (Loss): $15.684 million for the three months ended September 30, 2025, compared to - $16.464 million for the same period in 2024. For the nine months ended September 30, 2025, it was $46.636 million, compared to - $11.339 million for the same period in 2024.</li></ul><h4>Cash Flow</h4><ul><li>Net Cash Provided by Operating Activities: $36.382 million for the nine months ended September 30, 2025, compared to $26.662 million for the same period in 2024.</li><li>Net Cash Provided by Investing Activities: $114.536 million for the nine months ended September 30, 2025, compared to $431.717 million for the same period in 2024.</li><li>Net Cash Provided by Financing Activities: $20.136 million for the nine months ended September 30, 2025, compared to $69.251 million for the same period in 2024.</li></ul><h4>Unique Metrics</h4><ul><li>Allowance for Credit Losses on Loans: $41.292 million at September 30, 2025, compared to $50.540 million at December 31, 2024.</li><li>Loans Held for Investment, Net: $2.949 billion at September 30, 2025, compared to $3.089 billion at December 31, 2024.</li><li>Total Assets: $4.101 billion at September 30, 2025, compared to $4.032 billion at December 31, 2024.</li><li>Total Deposits: $3.460 billion at September 30, 2025, compared to $3.399 billion at December 31, 2024.</li><li>Total Shareholders’ Equity: $564.724 million at September 30, 2025, compared to $511.836 million at December 31, 2024.</li></ul><h4>Future Outlook and Strategy</h4><ul><li>Core Business Focus: The Company plans to continue focusing on its core business areas, including expanding its footprint in Northern California and increasing market share through complementary business models with a strong deposit base. The Company aims to achieve growth targets, margin improvement, and market expansion.</li><li>Non-Core Business: The Company has no specific plans related to divestitures, emerging segments, or exploratory efforts mentioned in the report.</li></ul>

California BanCorp | 10-Q: FY2025 Q3 Revenue: USD 59.86 M