CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis

NASDAQ:BCAL • US84252A1060

18.32 USD
-0.5 (-2.66%)
Last: Feb 27, 2026, 11:11 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 379 industry peers in the Banks industry. BCAL scores excellent on profitability, but there are concerns on its financial health. BCAL is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

7

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.
  • In the past 5 years BCAL has always been profitable.
  • Of the past 5 years BCAL 4 years had a positive operating cash flow.
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's Return On Assets of 1.55% is amongst the best of the industry. BCAL outperforms 88.39% of its industry peers.
  • With a decent Return On Equity value of 11.23%, BCAL is doing good in the industry, outperforming 75.99% of the companies in the same industry.
  • The Return On Invested Capital of BCAL (2.58%) is better than 99.47% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for BCAL is in line with the industry average of 2.69%.
  • 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

  • Looking at the Profit Margin, with a value of 27.35%, BCAL is in the better half of the industry, outperforming 66.49% of the companies in the same industry.
  • BCAL's Profit Margin has improved in the last couple of years.
  • Looking at the Operating Margin, with a value of 65.70%, BCAL belongs to the top of the industry, outperforming 99.74% 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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • BCAL has more shares outstanding than it did 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 -0.66. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
  • BCAL has a Altman-Z score of -0.66. This is amongst the best in the industry. BCAL outperforms 98.68% of its industry peers.
  • 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.
  • The Debt to FCF ratio of BCAL (58.59) is worse than 85.75% of its industry peers.
  • BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
  • The Debt to Equity ratio of BCAL (6.19) is worse than 96.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.66
ROIC/WACC0.66
WACC3.88%
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

  • A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • BCAL has a Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.21% of its industry peers.
  • A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • The Quick ratio of BCAL (0.04) is better than 99.21% of its industry peers.
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. Growth

3.1 Past

  • BCAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 164.38%, which is quite impressive.
  • BCAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.86% yearly.
  • The Revenue has grown by 26.48% in the past year. This is a very strong growth!
  • The Revenue has been growing by 34.11% on average over the past years. This is a very strong growth!
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

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
  • 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. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.49 indicates a reasonable valuation of BCAL.
  • Based on the Price/Earnings ratio, BCAL is valued cheaper than 84.96% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.11. BCAL is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 10.90, the valuation of BCAL can be described as reasonable.
  • BCAL's Price/Forward Earnings is on the same level as the industry average.
  • BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.13.
Industry RankSector Rank
PE 9.49
Fwd PE 10.9
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 69.13% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.96
EV/EBITDA 3.47
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. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.12%, BCAL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, BCAL is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.80, BCAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

  • BCAL does not have a reliable dividend history as it only pays dividend since a couple or years.
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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CALIFORNIA BANCORP

NASDAQ:BCAL (2/27/2026, 11:11:25 AM)

18.32

-0.5 (-2.66%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners58.8%
Inst Owner Change4.28%
Ins Owners23.43%
Ins Owner Change-4.8%
Market Cap593.93M
Revenue(TTM)226.56M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (19.71%)
Short Float %1.72%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
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)2.38%
PT rev (3m)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-5.38%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-2.03%
Revenue NY rev (3m)-1.47%
Valuation
Industry RankSector Rank
PE 9.49
Fwd PE 10.9
P/S 2.56
P/FCF 9.96
P/OCF 9.9
P/B 1.05
P/tB 1.37
EV/EBITDA 3.47
EPS(TTM)1.93
EY10.53%
EPS(NY)1.68
Fwd EY9.17%
FCF(TTM)1.84
FCFY10.04%
OCF(TTM)1.85
OCFY10.1%
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 -0.66
F-Score8
WACC3.88%
ROIC/WACC0.66
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 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 9.49 and the Price/Book (PB) ratio is 1.05.


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

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