CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis
NASDAQ:BCAL - US84252A1060 - Common Stock
16.82 USD
+0.24 (+1.45%)
16.82 USD
0 (0%)
Taking everything into account, BCAL scores 4 out of 10 in our fundamental rating. BCAL was compared to 393 industry peers in the Banks industry. BCAL may be in some trouble as it scores bad on both profitability and health. BCAL is evaluated to be cheap and growing strongly. This does not happen too often!
1. Profitability
1.1 Basic Checks
In the past year BCAL was profitable.
In the past year BCAL had a positive cash flow from operations.
1.2 Ratios
BCAL has a worse Return On Assets (0.44%) than 77.35% of its industry peers.
Looking at the Return On Equity, with a value of 3.27%, BCAL is doing worse than 81.42% of the companies in the same industry.
BCAL has a Return On Invested Capital of 1.83%. This is amongst the best in the industry. BCAL outperforms 99.24% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BCAL is in line with the industry average of 2.53%.
The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(1.83%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.44% | ||
| ROE | 3.27% | ||
| ROIC | 1.83% |
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.41%
ROE(5y)N/A
ROIC(3y)1.52%
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 8.47%, BCAL is doing worse than 84.48% of the companies in the same industry.
In the last couple of years the Profit Margin of BCAL has declined.
BCAL's Operating Margin of 51.92% is amongst the best of the industry. BCAL outperforms 99.75% of its industry peers.
BCAL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 51.92% | ||
| PM (TTM) | 8.47% | ||
| GM | N/A |
OM growth 3Y19.95%
OM growth 5YN/A
PM growth 3Y-42.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
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.
Compared to 1 year ago, BCAL has more shares outstanding
Compared to 1 year ago, BCAL has an improved debt to assets ratio.
2.2 Solvency
Based on the Altman-Z score of -0.72, we must say that BCAL is in the distress zone and has some risk of bankruptcy.
BCAL has a better Altman-Z score (-0.72) than 98.98% of its industry peers.
The Debt to FCF ratio of BCAL is 70.14, which is on the high side as it means it would take BCAL, 70.14 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 70.14, BCAL is not doing good in the industry: 83.72% of the companies in the same industry are doing better.
A Debt/Equity ratio of 6.42 is on the high side and indicates that BCAL has dependencies on debt financing.
BCAL has a Debt to Equity ratio of 6.42. This is amonst the worse of the industry: BCAL underperforms 97.46% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | 70.14 | ||
| Altman-Z | -0.72 |
ROIC/WACC0.5
WACC3.7%
2.3 Liquidity
BCAL has a Current Ratio of 0.03. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Current ratio value of 0.03, BCAL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
BCAL has a Quick Ratio of 0.03. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
With an excellent Quick ratio value of 0.03, BCAL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
BCAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 63.95%, which is quite impressive.
The earnings per share for BCAL have been decreasing by -28.36% on average. This is quite bad
The Revenue has grown by 80.83% 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 37.61% on average per year.
EPS 1Y (TTM)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
3.2 Future
BCAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 50.42% yearly.
BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.55% yearly.
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 11.93 indicates a reasonable valuation of BCAL.
61.07% of the companies in the same industry are more expensive than BCAL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 27.08. BCAL is valued rather cheaply when compared to this.
BCAL is valuated reasonably with a Price/Forward Earnings ratio of 10.18.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.67. BCAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
99.49% of the companies in the same industry are more expensive than BCAL, based on the Enterprise Value to EBITDA ratio.
60.05% of the companies in the same industry are more expensive than BCAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.24 | ||
| EV/EBITDA | 4.83 |
4.3 Compensation for Growth
BCAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as BCAL's earnings are expected to grow with 50.42% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y50.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BCAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.82
+0.24 (+1.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.74%
Inst Owner Change0.68%
Ins Owners24.17%
Ins Owner Change-0.09%
Market Cap546.99M
Analysts80
Price Target19.04 (13.2%)
Short Float %1.4%
Short Ratio2.22
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)20.54%
Min EPS beat(2)13.64%
Max EPS beat(2)27.45%
EPS beat(4)3
Avg EPS beat(4)8.04%
Min EPS beat(4)-96.35%
Max EPS beat(4)87.43%
EPS beat(8)3
Avg EPS beat(8)-1.15%
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)0
Avg Revenue beat(2)-5.46%
Min Revenue beat(2)-8.89%
Max Revenue beat(2)-2.03%
Revenue beat(4)0
Avg Revenue beat(4)-3.69%
Min Revenue beat(4)-8.89%
Max Revenue beat(4)-1.17%
Revenue beat(8)0
Avg Revenue beat(8)-4.98%
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)5.66%
PT rev (3m)5.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0.1%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)-1.81%
Revenue NY rev (3m)-1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.93 | ||
| Fwd PE | 10.18 | ||
| P/S | 2.67 | ||
| P/FCF | 11.24 | ||
| P/OCF | 11.11 | ||
| P/B | 1.03 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | 4.83 |
EPS(TTM)1.41
EY8.38%
EPS(NY)1.65
Fwd EY9.82%
FCF(TTM)1.5
FCFY8.89%
OCF(TTM)1.51
OCFY9%
SpS6.3
BVpS16.34
TBVpS12.25
PEG (NY)0.08
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.44% | ||
| ROE | 3.27% | ||
| ROCE | 17.68% | ||
| ROIC | 1.83% | ||
| ROICexc | 1.87% | ||
| ROICexgc | 1.98% | ||
| OM | 51.92% | ||
| PM (TTM) | 8.47% | ||
| GM | N/A | ||
| FCFM | 23.75% |
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.41%
ROE(5y)N/A
ROIC(3y)1.52%
ROIC(5y)N/A
ROICexc(3y)1.54%
ROICexc(5y)N/A
ROICexgc(3y)1.61%
ROICexgc(5y)N/A
ROCE(3y)15.77%
ROCE(5y)N/A
ROICexcg growth 3Y37.36%
ROICexcg growth 5YN/A
ROICexc growth 3Y36.52%
ROICexc growth 5YN/A
OM growth 3Y19.95%
OM growth 5YN/A
PM growth 3Y-42.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | 70.14 | ||
| Debt/EBITDA | 30.73 | ||
| Cap/Depr | 12.1% | ||
| Cap/Sales | 0.28% | ||
| Interest Coverage | 1.79 | ||
| Cash Conversion | 44.32% | ||
| Profit Quality | 280.41% | ||
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 | ||
| Altman-Z | -0.72 |
F-Score4
WACC3.7%
ROIC/WACC0.5
Cap/Depr(3y)28.31%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.57%
Cap/Sales(5y)N/A
Profit Quality(3y)372.76%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y53.59%
EBIT growth 3Y65.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y42.47%
FCF growth 3Y40.59%
FCF growth 5YN/A
OCF growth 1Y40.59%
OCF growth 3Y36.79%
OCF growth 5YN/A