Overall CALB gets a fundamental rating of 3 out of 10. We evaluated CALB against 383 industry peers in the Banks industry. There are concerns on the financial health of CALB while its profitability can be described as average. CALB is valued expensive and it does not seem to be growing.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

CALB had positive earnings in the past year.
CALB had a positive operating cash flow in the past year.
CALB had positive earnings in each of the past 5 years.
In the past 5 years CALB always reported a positive cash flow from operatings.

1.2 Ratios

CALB has a better Return On Assets (1.04%) than 67.24% of its industry peers.
CALB has a better Return On Equity (9.97%) than 64.04% of its industry peers.

		Industry Rank	Sector Rank
ROA	1.04%
ROE	9.97%
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

The Profit Margin of CALB (25.32%) is better than 62.07% of its industry peers.
In the last couple of years the Profit Margin of CALB has grown nicely.
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)	25.32%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

CALB does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CALB has been increased compared to 1 year ago.
CALB has a worse debt/assets ratio than last year.

2.2 Solvency

The Debt to FCF ratio of CALB is 2.70, which is a good value as it means it would take CALB, 2.70 years of fcf income to pay off all of its debts.
CALB's Debt to FCF ratio of 2.70 is in line compared to the rest of the industry. CALB outperforms 50.74% of its industry peers.
A Debt/Equity ratio of 0.27 indicates that CALB is not too dependend on debt financing.
With a Debt to Equity ratio value of 0.27, CALB perfoms like the industry average, outperforming 44.09% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.27
Debt/FCF	2.7
Altman-Z	N/A

ROIC/WACCN/A

WACC13.7%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for CALB have decreased strongly by -63.99% in the last year.
The Earnings Per Share has been growing by 16.55% on average over the past years. This is quite good.
CALB shows a decrease in Revenue. In the last year, the revenue decreased by -6.93%.
Measured over the past years, CALB shows a quite strong growth in Revenue. The Revenue has been growing by 14.97% on average per year.

EPS 1Y (TTM)-63.99%

EPS 3Y57.12%

EPS 5Y16.55%

EPS Q2Q%-206.15%

Revenue 1Y (TTM)-6.93%

Revenue growth 3Y17.53%

Revenue growth 5Y14.97%

Sales Q2Q%-7.28%

3.2 Future

Based on estimates for the next years, CALB will show a very negative growth in Earnings Per Share. The EPS will decrease by -10.13% on average per year.
Based on estimates for the next years, CALB will show a small growth in Revenue. The Revenue will grow by 1.01% on average per year.

EPS Next Y-19.79%

EPS Next 2Y-10.13%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year-1.26%

Revenue Next 2Y1.01%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 24.36 indicates a rather expensive valuation of CALB.
Based on the Price/Earnings ratio, CALB is valued more expensive than 83.25% of the companies in the same industry.
CALB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 28.30.
With a Price/Forward Earnings ratio of 12.14, CALB is valued correctly.
Based on the Price/Forward Earnings ratio, CALB is valued a bit more expensive than 62.32% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 25.57. CALB is valued rather cheaply when compared to this.