CALIFORNIA BANCORP INC (CALB)
US13005U1016 - Common Stock
We assign a fundamental rating of 3 out of 10 to CALB. CALB was compared to 411 industry peers in the Banks industry. While CALB is still in line with the averages on profitability rating, there are concerns on its financial health. CALB has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
CALB had positive earnings in the past year.
In the past year CALB had a positive cash flow from operations.
CALB had positive earnings in each of the past 5 years.
CALB had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
The Return On Assets of CALB (1.09%) is better than 69.10% of its industry peers.
CALB's Return On Equity of 11.01% is fine compared to the rest of the industry. CALB outperforms 67.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 11.01% | ||
| ROIC | N/A |
ROA(3y)0.93%
ROA(5y)0.72%
ROE(3y)10.71%
ROE(5y)8.13%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
CALB has a Profit Margin of 27.23%. This is in the better half of the industry: CALB outperforms 66.91% of its industry peers.
CALB's Profit Margin has improved in the last couple of years.
CALB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 27.23% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y45.8%
PM growth 5Y4.34%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
CALB does not have a ROIC to compare to the WACC, probably because it is not profitable.
CALB has more shares outstanding than it did 1 year ago.
CALB has more shares outstanding than it did 5 years ago.
CALB has a worse debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of CALB is 1.93, which is an excellent value as it means it would take CALB, only 1.93 years of fcf income to pay off all of its debts.
CALB has a Debt to FCF ratio (1.93) which is comparable to the rest of the industry.
A Debt/Equity ratio of 0.28 indicates that CALB is not too dependend on debt financing.
CALB has a Debt to Equity ratio of 0.28. This is comparable to the rest of the industry: CALB outperforms 42.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | 1.93 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC15.5%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
CALB shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 1.59%.
The Earnings Per Share has been growing by 16.55% on average over the past years. This is quite good.
CALB shows a small growth in Revenue. In the last year, the Revenue has grown by 1.42%.
The Revenue has been growing by 14.97% on average over the past years. This is quite good.
EPS 1Y (TTM)1.59%
EPS 3Y57.12%
EPS 5Y16.55%
EPS growth Q2Q-30.77%
Revenue 1Y (TTM)1.42%
Revenue growth 3Y17.53%
Revenue growth 5Y14.97%
Revenue growth Q2Q-16.4%
3.2 Future
The Earnings Per Share is expected to decrease by -7.11% on average over the next years.
Based on estimates for the next years, CALB will show a small growth in Revenue. The Revenue will grow by 2.52% on average per year.
EPS Next Y-11.64%
EPS Next 2Y-7.11%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year0.97%
Revenue Next 2Y2.52%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 8.63, the valuation of CALB can be described as very reasonable.
Based on the Price/Earnings ratio, CALB is valued a bit cheaper than 65.45% of the companies in the same industry.
CALB is valuated cheaply when we compare the Price/Earnings ratio to 24.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 9.77, the valuation of CALB can be described as reasonable.
Based on the Price/Forward Earnings ratio, CALB is valued a bit cheaper than 64.23% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of CALB to the average of the S&P500 Index (21.49), we can say CALB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 9.77 |
4.2 Price Multiples
CALB's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. CALB is cheaper than 73.97% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.61 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
CALB's earnings are expected to decrease with -7.11% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)0.52
EPS Next 2Y-7.11%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for CALB!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
CALIFORNIA BANCORP INC
NASDAQ:CALB (4/26/2024, 7:00:00 PM)
22.09
+0.19 (+0.87%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap185.78M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.63 | ||
| Fwd PE | 9.77 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)0.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.09% | ||
| ROE | 11.01% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 27.23% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.28 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)1.59%
EPS 3Y57.12%
EPS 5Y
EPS growth Q2Q
EPS Next Y-11.64%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)1.42%
Revenue growth 3Y17.53%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y