18.39 USD
-0.51 (-2.7%)
18.39 USD
0 (0%)
BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of BCAL while its profitability can be described as average. BCAL is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
- BCAL had positive earnings in the past year.
- BCAL had a positive operating cash flow in the past year.
1.2 Ratios
- With an excellent Return On Assets value of 1.55%, BCAL belongs to the best of the industry, outperforming 87.99% of the companies in the same industry.
- BCAL has a Return On Equity of 11.23%. This is in the better half of the industry: BCAL outperforms 77.02% of its industry peers.
- The Return On Invested Capital of BCAL (2.55%) is better than 99.48% of its industry peers.
- BCAL had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 2.62%.
- The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.55%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 11.23% | ||
| ROIC | 2.55% |
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.41%
ROE(5y)N/A
ROIC(3y)1.52%
ROIC(5y)N/A
1.3 Margins
- BCAL has a Profit Margin of 27.35%. This is in the better half of the industry: BCAL outperforms 67.36% of its industry peers.
- In the last couple of years the Profit Margin of BCAL has declined.
- The Operating Margin of BCAL (65.70%) is better than 99.74% of its industry peers.
- BCAL's Operating Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 65.7% | ||
| PM (TTM) | 27.35% | ||
| GM | N/A |
OM growth 3Y19.95%
OM growth 5YN/A
PM growth 3Y-42.04%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BCAL is destroying value.
- BCAL has more shares outstanding than it did 1 year ago.
- Compared to 1 year ago, BCAL has an improved debt to assets ratio.
2.2 Solvency
- BCAL has an Altman-Z score of -0.66. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -0.66, BCAL belongs to the top of the industry, outperforming 98.96% of the companies in the same industry.
- The Debt to FCF ratio of BCAL is 58.59, which is on the high side as it means it would take BCAL, 58.59 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 58.59, BCAL is not doing good in the industry: 85.12% of the companies in the same industry are doing better.
- BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 6.19, BCAL is not doing good in the industry: 96.08% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.66
WACC3.87%
2.3 Liquidity
- BCAL has a Current Ratio of 0.04. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
- BCAL has a Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.22% of its industry peers.
- A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
- The Quick ratio of BCAL (0.04) is better than 99.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
- BCAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 321.74%, which is quite impressive.
- Measured over the past years, BCAL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -28.36% on average per year.
- Looking at the last year, BCAL shows a very strong growth in Revenue. The Revenue has grown by 55.36%.
- Measured over the past years, BCAL shows a very strong growth in Revenue. The Revenue has been growing by 37.61% on average per year.
EPS 1Y (TTM)321.74%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%1060%
Revenue 1Y (TTM)55.36%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%18.54%
3.2 Future
- BCAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.38% yearly.
- The Revenue is expected to grow by 14.16% on average over the next years. This is quite good.
EPS Next Y159.61%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year38.33%
Revenue Next 2Y19.45%
Revenue Next 3Y14.16%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.48 indicates a reasonable valuation of BCAL.
- BCAL's Price/Earnings ratio is rather cheap when compared to the industry. BCAL is cheaper than 86.68% of the companies in the same industry.
- When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (27.21), we can say BCAL is valued rather cheaply.
- With a Price/Forward Earnings ratio of 10.36, the valuation of BCAL can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
- Compared to an average S&P500 Price/Forward Earnings ratio of 24.26, BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 10.36 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BCAL indicates a rather cheap valuation: BCAL is cheaper than 100.00% of the companies listed in the same industry.
- BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 66.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.01 | ||
| EV/EBITDA | 3.38 |
4.3 Compensation for Growth
- BCAL's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
- A more expensive valuation may be justified as BCAL's earnings are expected to grow with 36.38% in the coming years.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
5. Dividend
5.1 Amount
- BCAL has a Yearly Dividend Yield of 2.12%.
- BCAL's Dividend Yield is slightly below the industry average, which is at 2.65.
- BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
5.2 History
- BCAL does not have a reliable dividend history as it only pays dividend since a couple or years.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
CALIFORNIA BANCORP / BCAL FAQ
Can you provide the ChartMill fundamental rating for CALIFORNIA BANCORP?
ChartMill assigns a fundamental rating of 5 / 10 to BCAL.
What is the valuation status for BCAL stock?
ChartMill assigns a valuation rating of 8 / 10 to CALIFORNIA BANCORP (BCAL). This can be considered as Undervalued.
Can you provide the profitability details for CALIFORNIA BANCORP?
CALIFORNIA BANCORP (BCAL) has a profitability rating of 5 / 10.
What are the PE and PB ratios of CALIFORNIA BANCORP (BCAL) stock?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.48 and the Price/Book (PB) ratio is 1.06.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.