CALIFORNIA BANCORP INC (CALB) Stock Fundamental Analysis

NASDAQ:CALB • US13005U1016

25.09 USD
+0.26 (+1.05%)
At close: Jul 31, 2024
25.09 USD
0 (0%)
After Hours: 7/31/2024, 8:25:52 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, CALB scores 3 out of 10 in our fundamental rating. CALB was compared to 379 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.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year CALB was profitable.
  • CALB had a positive operating cash flow in the past year.
  • 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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

2

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.
  • 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.
  • CALB has a Debt to FCF ratio (2.70) which is comparable to the rest of the industry.
  • CALB has a Debt/Equity ratio of 0.27. This is a healthy value indicating a solid balance between debt and equity.
  • 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

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

  • CALB is expected to show a very negative growth in Earnings Per Share. In the coming years, the EPS will decrease by -10.13% yearly.
  • 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

  • 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.
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

More info and screens

Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 24.36, which indicates a rather expensive current valuation of CALB.
  • 83.25% of the companies in the same industry are cheaper than CALB, based on the Price/Earnings ratio.
  • CALB's Price/Earnings ratio indicates a similar valuation than the S&P500 average which is at 27.13.
  • The Price/Forward Earnings ratio is 12.14, which indicates a correct valuation of CALB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of CALB indicates a slightly more expensive valuation: CALB is more expensive than 62.32% of the companies listed in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 28.11. CALB is valued rather cheaply when compared to this.
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

  • The rest of the industry has a similar Price/Free Cash Flow ratio as CALB.
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

  • A cheap valuation may be justified as CALB's earnings are expected to decrease with -10.13% in the coming years.
PEG (NY)N/A
PEG (5Y)1.47
EPS Next 2Y-10.13%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

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
Earnings (Next)10-24
Inst Owners0.88%
Inst Owner Change0%
Ins Owners1.85%
Ins Owner Change0%
Market Cap212.51M
Revenue(TTM)77.55M
Net Income(TTM)20.00M
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
Graham NumberN/A
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
ROICexgc growth 3YN/A
ROICexgc 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%

CALIFORNIA BANCORP INC / CALB FAQ

What is the fundamental rating for CALB stock?

ChartMill assigns a fundamental rating of 3 / 10 to CALB.


Can you provide the valuation status for CALIFORNIA BANCORP INC?

ChartMill assigns a valuation rating of 2 / 10 to CALIFORNIA BANCORP INC (CALB). This can be considered as Overvalued.


Can you provide the profitability details for CALIFORNIA BANCORP INC?

CALIFORNIA BANCORP INC (CALB) has a profitability rating of 4 / 10.


Can you provide the financial health for CALB stock?

The financial health rating of CALIFORNIA BANCORP INC (CALB) is 2 / 10.