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CALIFORNIA BANCORP INC (CALB) Stock Fundamental Analysis

NASDAQ:CALB - Nasdaq - US13005U1016 - Common Stock - Currency: USD

25.09  +0.26 (+1.05%)

After market: 25.09 0 (0%)

Fundamental Rating

3

Overall CALB gets a fundamental rating of 3 out of 10. We evaluated CALB against 395 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 does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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4

1. Profitability

1.1 Basic Checks

In the past year CALB was profitable.
In the past year CALB had a positive cash flow from operations.
Each year in the past 5 years CALB has been profitable.
In the past 5 years CALB always reported a positive cash flow from operatings.
CALB Yearly Net Income VS EBIT VS OCF VS FCFCALB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 5M 10M 15M 20M 25M

1.2 Ratios

With a decent Return On Assets value of 1.04%, CALB is doing good in the industry, outperforming 67.24% of the companies in the same industry.
Looking at the Return On Equity, with a value of 9.97%, CALB is in the better half of the industry, outperforming 64.04% of the companies in the same industry.
Industry RankSector 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
CALB Yearly ROA, ROE, ROICCALB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2 4 6 8 10

1.3 Margins

Looking at the Profit Margin, with a value of 25.32%, CALB is in the better half of the industry, outperforming 62.07% of the companies in the same industry.
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 RankSector 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
CALB Yearly Profit, Operating, Gross MarginsCALB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 5 10 15 20 25

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2

2. Health

2.1 Basic Checks

CALB does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, CALB has more shares outstanding
CALB has more shares outstanding than it did 5 years ago.
Compared to 1 year ago, CALB has a worse debt to assets ratio.
CALB Yearly Shares OutstandingCALB Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 2022 2023 2M 4M 6M 8M
CALB Yearly Total Debt VS Total AssetsCALB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 2022 2023 500M 1B 1.5B 2B

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.
The Debt to FCF ratio of CALB (2.70) is comparable to the rest of the industry.
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 RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.7
Altman-Z N/A
ROIC/WACCN/A
WACC13.7%
CALB Yearly LT Debt VS Equity VS FCFCALB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
CALB Yearly Current Assets VS Current LiabilitesCALB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M

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3

3. Growth

3.1 Past

CALB shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -63.99%.
CALB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.55% yearly.
Looking at the last year, CALB shows a decrease in Revenue. The Revenue has decreased by -6.93% in the last year.
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

The Earnings Per Share is expected to decrease by -10.13% on average over the next years. This is quite bad
The Revenue is expected to grow by 1.01% on average over the next years.
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.
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.
CALB Yearly Revenue VS EstimatesCALB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
CALB Yearly EPS VS EstimatesCALB Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5 2 2.5

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2

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 24.36 indicates a rather expensive valuation of CALB.
83.25% of the companies in the same industry are cheaper than CALB, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of CALB to the average of the S&P500 Index (27.45), we can say CALB is valued inline with the index average.
CALB is valuated correctly with a Price/Forward Earnings ratio of 12.14.
Based on the Price/Forward Earnings ratio, CALB is valued a bit more expensive than the industry average as 62.32% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of CALB to the average of the S&P500 Index (21.90), we can say CALB is valued slightly cheaper.
Industry RankSector Rank
PE 24.36
Fwd PE 12.14
CALB Price Earnings VS Forward Price EarningsCALB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

CALB's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 10.57
EV/EBITDA N/A
CALB Per share dataCALB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15 20

4.3 Compensation for Growth

CALB's earnings are expected to decrease with -10.13% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)1.47
EPS Next 2Y-10.13%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

CALB does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CALIFORNIA BANCORP INC

NASDAQ:CALB (7/31/2024, 8:25:52 PM)

After market: 25.09 0 (0%)

25.09

+0.26 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-29 2024-07-29/bmo
Earnings (Next)10-24 2024-10-24/amc
Inst Owners0.88%
Inst Owner Change0%
Ins Owners1.85%
Ins Owner Change0%
Market Cap212.51M
Analysts82.5
Price Target23.46 (-6.5%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)1
Avg EPS beat(2)-8.45%
Min EPS beat(2)-18.15%
Max EPS beat(2)1.25%
EPS beat(4)3
Avg EPS beat(4)-2.13%
Min EPS beat(4)-18.15%
Max EPS beat(4)7.4%
EPS beat(8)6
Avg EPS beat(8)4.28%
EPS beat(12)9
Avg EPS beat(12)7.87%
EPS beat(16)12
Avg EPS beat(16)18.26%
Revenue beat(2)0
Avg Revenue beat(2)-2.02%
Min Revenue beat(2)-2.46%
Max Revenue beat(2)-1.57%
Revenue beat(4)0
Avg Revenue beat(4)-2.31%
Min Revenue beat(4)-3.52%
Max Revenue beat(4)-1.57%
Revenue beat(8)3
Avg Revenue beat(8)0.59%
Revenue beat(12)5
Avg Revenue beat(12)0.48%
Revenue beat(16)8
Avg Revenue beat(16)1.29%
PT rev (1m)-10%
PT rev (3m)-16.76%
EPS NQ rev (1m)-0.44%
EPS NQ rev (3m)-5.42%
EPS NY rev (1m)-1.42%
EPS NY rev (3m)-9.23%
Revenue NQ rev (1m)0.11%
Revenue NQ rev (3m)-2.4%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)-2.2%
Valuation
Industry RankSector Rank
PE 24.36
Fwd PE 12.14
P/S 2.69
P/FCF 10.57
P/OCF 10.54
P/B 1.06
P/tB 1.1
EV/EBITDA N/A
EPS(TTM)1.03
EY4.11%
EPS(NY)2.07
Fwd EY8.24%
FCF(TTM)2.37
FCFY9.46%
OCF(TTM)2.38
OCFY9.49%
SpS9.33
BVpS23.69
TBVpS22.82
PEG (NY)N/A
PEG (5Y)1.47
Profitability
Industry RankSector Rank
ROA 1.04%
ROE 9.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.32%
GM N/A
FCFM 25.46%
ROA(3y)0.93%
ROA(5y)0.72%
ROE(3y)10.71%
ROE(5y)8.13%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/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
F-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.27
Debt/FCF 2.7
Debt/EBITDA N/A
Cap/Depr 6.07%
Cap/Sales 0.07%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 100.57%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC13.7%
ROIC/WACCN/A
Cap/Depr(3y)9.99%
Cap/Depr(5y)110.48%
Cap/Sales(3y)0.2%
Cap/Sales(5y)2.66%
Profit Quality(3y)128.31%
Profit Quality(5y)158.55%
High Growth Momentum
Growth
EPS 1Y (TTM)-63.99%
EPS 3Y57.12%
EPS 5Y16.55%
EPS Q2Q%-206.15%
EPS Next Y-19.79%
EPS Next 2Y-10.13%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-6.93%
Revenue growth 3Y17.53%
Revenue growth 5Y14.97%
Sales Q2Q%-7.28%
Revenue Next Year-1.26%
Revenue Next 2Y1.01%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y64.46%
FCF growth 3Y35.75%
FCF growth 5Y23.39%
OCF growth 1Y63.05%
OCF growth 3Y24.11%
OCF growth 5Y23.46%