CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis
NASDAQ:BCAL - Nasdaq - US84252A1060 - Common Stock - Currency: USD
We assign a fundamental rating of 5 out of 10 to BCAL. BCAL was compared to 392 industry peers in the Banks industry. BCAL may be in some trouble as it scores bad on both profitability and health. BCAL is growing strongly while it also seems undervalued. This is an interesting combination
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 Return On Assets of 0.44%. This is in the lower half of the industry: BCAL underperforms 77.81% of its industry peers.
BCAL has a worse Return On Equity (3.27%) than 82.91% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.83%, BCAL belongs to the top of the industry, outperforming 99.23% of the companies in the same industry.
BCAL had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 2.64%.
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 84.18% of the companies in the same industry.
In the last couple of years the Profit Margin of BCAL has declined.
The Operating Margin of BCAL (51.92%) is better than 99.74% 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL 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
BCAL has an Altman-Z score of -0.73. 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 -0.73. This is amongst the best in the industry. BCAL outperforms 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.
BCAL has a worse Debt to FCF ratio (70.14) than 85.20% of its industry peers.
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 97.70% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.42 | ||
| Debt/FCF | 70.14 | ||
| Altman-Z | -0.73 |
ROIC/WACC0.53
WACC3.47%
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.
BCAL's Current ratio of 0.03 is amongst the best of the industry. BCAL outperforms 99.23% of its industry peers.
A Quick Ratio of 0.03 indicates that BCAL may have some problems paying its short term obligations.
BCAL has a Quick ratio of 0.03. This is amongst the best in the industry. BCAL outperforms 99.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 63.95% over the past year.
The earnings per share for BCAL have been decreasing by -28.36% on average. This is quite bad
BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 45.18%.
BCAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.61% yearly.
EPS 1Y (TTM)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
Revenue 1Y (TTM)45.18%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
3.2 Future
Based on estimates for the next years, BCAL will show a very strong growth in Earnings Per Share. The EPS will grow by 54.53% on average per year.
BCAL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 20.93% yearly.
EPS Next Y141.31%
EPS Next 2Y54.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year39.39%
Revenue Next 2Y20.93%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
BCAL is valuated reasonably with a Price/Earnings ratio of 10.76.
Based on the Price/Earnings ratio, BCAL is valued a bit cheaper than 65.82% of the companies in the same industry.
BCAL is valuated cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 8.70, the valuation of BCAL can be described as reasonable.
Based on the Price/Forward Earnings ratio, BCAL is valued a bit cheaper than 70.66% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.28. BCAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.7 |
4.2 Price Multiples
99.74% of the companies in the same industry are more expensive than BCAL, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 60.71% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.12 | ||
| EV/EBITDA | 4.3 |
4.3 Compensation for Growth
The 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 54.53% in the coming years.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y54.53%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BCAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:BCAL (8/6/2025, 11:46:16 AM)
15.17
+0.14 (+0.93%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.98%
Inst Owner Change-0.02%
Ins Owners24.22%
Ins Owner Change0.05%
Market Cap492.42M
Analysts80
Price Target19.04 (25.51%)
Short Float %1.58%
Short Ratio2.77
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)0%
PT rev (3m)-1.85%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)0.66%
EPS NY rev (3m)4.46%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.1%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.76 | ||
| Fwd PE | 8.7 | ||
| P/S | 2.4 | ||
| P/FCF | 10.12 | ||
| P/OCF | 10 | ||
| P/B | 0.93 | ||
| P/tB | 1.24 | ||
| EV/EBITDA | 4.3 |
EPS(TTM)1.41
EY9.29%
EPS(NY)1.74
Fwd EY11.49%
FCF(TTM)1.5
FCFY9.88%
OCF(TTM)1.52
OCFY10%
SpS6.31
BVpS16.37
TBVpS12.27
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 | -0.73 |
F-Score4
WACC3.47%
ROIC/WACC0.53
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 Y141.31%
EPS Next 2Y54.53%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)45.18%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
Revenue Next Year39.39%
Revenue Next 2Y20.93%
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