CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation

NASDAQ:BCAL • US84252A1060

Current stock price

17.32 USD
-0.28 (-1.59%)
At close:
17.32 USD
0 (0%)
After Hours:

This BCAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. BCAL Profitability Analysis

1.1 Basic Checks

  • In the past year BCAL was profitable.
  • In the past year BCAL had a positive cash flow from operations.
  • Each year in the past 5 years BCAL has been profitable.
  • BCAL had a positive operating cash flow in 4 of the past 5 years.
BCAL Yearly Net Income VS EBIT VS OCF VS FCFBCAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • BCAL has a better Return On Assets (1.55%) than 87.93% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.23%, BCAL is in the better half of the industry, outperforming 75.59% of the companies in the same industry.
  • BCAL's Return On Invested Capital of 2.58% is amongst the best of the industry. BCAL outperforms 99.21% of its industry peers.
  • BCAL had an Average Return On Invested Capital over the past 3 years of 2.02%. This is in line with the industry average of 2.74%.
  • The last Return On Invested Capital (2.58%) for BCAL is above the 3 year average (2.02%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROIC 2.58%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
BCAL Yearly ROA, ROE, ROICBCAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • BCAL has a better Profit Margin (27.35%) than 63.52% of its industry peers.
  • In the last couple of years the Profit Margin of BCAL has grown nicely.
  • Looking at the Operating Margin, with a value of 65.70%, BCAL belongs to the top of the industry, outperforming 99.48% of the companies in the same industry.
  • In the last couple of years the Operating Margin of BCAL has grown nicely.
Industry RankSector Rank
OM 65.7%
PM (TTM) 27.35%
GM N/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BCAL Yearly Profit, Operating, Gross MarginsBCAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 20 40 60

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3

2. BCAL Health Analysis

2.1 Basic Checks

  • BCAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • The number of shares outstanding for BCAL has been increased compared to 1 year ago.
  • Compared to 1 year ago, BCAL has an improved debt to assets ratio.
BCAL Yearly Shares OutstandingBCAL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 10M 20M 30M
BCAL Yearly Total Debt VS Total AssetsBCAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 1B 2B 3B 4B

2.2 Solvency

  • BCAL has an Altman-Z score of -0.67. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -0.67, BCAL belongs to the top of the industry, outperforming 98.69% of the companies in the same industry.
  • The Debt to FCF ratio of BCAL is 58.59, which is on the high side as it means it would take BCAL, 58.59 years of fcf income to pay off all of its debts.
  • With a Debt to FCF ratio value of 58.59, BCAL is not doing good in the industry: 85.56% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 6.19 is on the high side and indicates that BCAL has dependencies on debt financing.
  • BCAL has a worse Debt to Equity ratio (6.19) than 96.85% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.67
ROIC/WACC0.69
WACC3.75%
BCAL Yearly LT Debt VS Equity VS FCFBCAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • BCAL has a Current Ratio of 0.04. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of BCAL (0.04) is better than 99.21% of its industry peers.
  • BCAL has a Quick Ratio of 0.04. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.04, BCAL belongs to the top of the industry, outperforming 99.21% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
BCAL Yearly Current Assets VS Current LiabilitesBCAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BCAL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 164.38% over the past year.
  • The Earnings Per Share has been growing by 28.86% on average over the past years. This is a very strong growth
  • The Revenue has grown by 26.48% in the past year. This is a very strong growth!
  • Measured over the past years, BCAL shows a very strong growth in Revenue. The Revenue has been growing by 34.11% on average per year.
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
Revenue 1Y (TTM)26.48%
Revenue growth 3Y34.11%
Revenue growth 5YN/A
Sales Q2Q%5.04%

3.2 Future

  • Based on estimates for the next years, BCAL will show a decrease in Earnings Per Share. The EPS will decrease by -2.54% on average per year.
  • Based on estimates for the next years, BCAL will show a small growth in Revenue. The Revenue will grow by 3.67% on average per year.
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.05%
Revenue Next 2Y3.67%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BCAL Yearly Revenue VS EstimatesBCAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
BCAL Yearly EPS VS EstimatesBCAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 0.5 1 1.5

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6

4. BCAL Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 8.97, the valuation of BCAL can be described as very reasonable.
  • BCAL's Price/Earnings ratio is rather cheap when compared to the industry. BCAL is cheaper than 83.99% of the companies in the same industry.
  • BCAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • The Price/Forward Earnings ratio is 10.31, which indicates a very decent valuation of BCAL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (23.28), we can say BCAL is valued rather cheaply.
Industry RankSector Rank
PE 8.97
Fwd PE 10.31
BCAL Price Earnings VS Forward Price EarningsBCAL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, BCAL is valued cheaper than 100.00% of the companies in the same industry.
  • BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 69.29% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.42
EV/EBITDA 3.22
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of BCAL may justify a higher PE ratio.
  • BCAL's earnings are expected to decrease with -2.54% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.54%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

1

5. BCAL Dividend Analysis

5.1 Amount

  • BCAL has a Yearly Dividend Yield of 2.28%. Purely for dividend investing, there may be better candidates out there.
  • BCAL's Dividend Yield is slightly below the industry average, which is at 2.90.
  • BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.91.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

  • BCAL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BCAL Yearly Dividends per shareBCAL Yearly Dividends per shareYearly Dividends per share 2025 0.02 0.04 0.06 0.08

5.3 Sustainability

DPN/A
EPS Next 2Y-2.54%
EPS Next 3YN/A
BCAL Yearly Income VS Free CF VS DividendBCAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 2025 20M 40M 60M

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BCAL Fundamentals: All Metrics, Ratios and Statistics

CALIFORNIA BANCORP

NASDAQ:BCAL (3/20/2026, 8:00:01 PM)

After market: 17.32 0 (0%)

17.32

-0.28 (-1.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners64.36%
Inst Owner Change4.28%
Ins Owners23.3%
Ins Owner Change-0.87%
Market Cap561.51M
Revenue(TTM)226.56M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (26.62%)
Short Float %1.48%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.81%
Min EPS beat(2)3.66%
Max EPS beat(2)19.95%
EPS beat(4)4
Avg EPS beat(4)16.17%
Min EPS beat(4)3.66%
Max EPS beat(4)27.45%
EPS beat(8)5
Avg EPS beat(8)4.17%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.01%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)1.07%
Revenue beat(4)1
Avg Revenue beat(4)-3.23%
Min Revenue beat(4)-8.89%
Max Revenue beat(4)1.07%
Revenue beat(8)1
Avg Revenue beat(8)-3.87%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.41%
Valuation
Industry RankSector Rank
PE 8.97
Fwd PE 10.31
P/S 2.42
P/FCF 9.42
P/OCF 9.36
P/B 0.99
P/tB 1.29
EV/EBITDA 3.22
EPS(TTM)1.93
EY11.14%
EPS(NY)1.68
Fwd EY9.7%
FCF(TTM)1.84
FCFY10.62%
OCF(TTM)1.85
OCFY10.69%
SpS7.15
BVpS17.42
TBVpS13.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.5
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROCE 25.46%
ROIC 2.58%
ROICexc 2.64%
ROICexgc 2.78%
OM 65.7%
PM (TTM) 27.35%
GM N/A
FCFM 25.72%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
ROICexc(3y)2.05%
ROICexc(5y)1.57%
ROICexgc(3y)2.15%
ROICexgc(5y)1.64%
ROCE(3y)20.26%
ROCE(5y)15.75%
ROICexgc growth 3Y33.61%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.92%
ROICexc growth 5YN/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Debt/EBITDA 22.08
Cap/Depr 6.63%
Cap/Sales 0.17%
Interest Coverage 2.38
Cash Conversion 37.94%
Profit Quality 94.03%
Current Ratio 0.04
Quick Ratio 0.04
Altman-Z -0.67
F-Score8
WACC3.75%
ROIC/WACC0.69
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.48%
Revenue growth 3Y34.11%
Revenue growth 5YN/A
Sales Q2Q%5.04%
Revenue Next Year1.05%
Revenue Next 2Y3.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y150.88%
EBIT growth 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y235.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y229.3%
OCF growth 3YN/A
OCF growth 5YN/A

CALIFORNIA BANCORP / BCAL Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for CALIFORNIA BANCORP?

ChartMill assigns a fundamental rating of 5 / 10 to BCAL.


What is the valuation status for BCAL stock?

ChartMill assigns a valuation rating of 6 / 10 to CALIFORNIA BANCORP (BCAL). This can be considered as Fairly Valued.


Can you provide the profitability details for CALIFORNIA BANCORP?

CALIFORNIA BANCORP (BCAL) has a profitability rating of 7 / 10.


What are the PE and PB ratios of CALIFORNIA BANCORP (BCAL) stock?

The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 8.97 and the Price/Book (PB) ratio is 0.99.


What is the financial health of CALIFORNIA BANCORP (BCAL) stock?

The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.