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CALIFORNIA BANCORP INC (CALB) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CALB - US13005U1016 - Common Stock

25.09 USD
+0.26 (+1.05%)
Last: 7/31/2024, 8:25:52 PM
25.09 USD
0 (0%)
After Hours: 7/31/2024, 8:25:52 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to CALB. CALB was compared to 388 industry peers in the Banks industry. CALB has a medium profitability rating, but doesn't score so well on its financial health evaluation. CALB is valued expensive and it does not seem to be growing.


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.
CALB has a Return On Equity of 9.97%. This is in the better half of the industry: CALB outperforms 64.04% of its industry peers.
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

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.
The Operating Margin and Gross Margin are not available for CALB so they could not be analyzed.
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.
The number of shares outstanding for CALB has been increased compared to 1 year ago.
The number of shares outstanding for CALB has been increased compared to 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.
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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3

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%.
CALB shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 14.97% yearly.
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.
CALB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.01% yearly.
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.
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

CALB is valuated rather expensively with a Price/Earnings ratio of 24.36.
Compared to the rest of the industry, the Price/Earnings ratio of CALB indicates a rather expensive valuation: CALB more expensive than 83.25% of the companies listed in the same industry.
CALB is valuated at similar levels of the S&P average when we compare the Price/Earnings ratio to 26.77, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 12.14 indicates a correct valuation of CALB.
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.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.35, CALB is valued a bit 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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of CALB is on the same level as its industry peers.
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

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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
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.


What is the valuation status of CALIFORNIA BANCORP INC (CALB) stock?

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.


What is the financial health of CALIFORNIA BANCORP INC (CALB) stock?

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


What is the expected EPS growth for CALIFORNIA BANCORP INC (CALB) stock?

The Earnings per Share (EPS) of CALIFORNIA BANCORP INC (CALB) is expected to decline by -19.79% in the next year.