CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis
USA - NASDAQ:BCAL - US84252A1060 - Common Stock
16.02 USD
-0.73 (-4.36%)
16.02 USD
0 (0%)
BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 391 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 evaluated to be cheap and growing strongly. This does not happen too often!
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
BCAL's Return On Assets of 0.79% is in line compared to the rest of the industry. BCAL outperforms 45.78% of its industry peers.
BCAL has a worse Return On Equity (5.71%) than 71.36% of its industry peers.
Looking at the Return On Invested Capital, with a value of 2.17%, BCAL belongs to the top of the industry, outperforming 99.49% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for BCAL is in line with the industry average of 2.46%.
The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.17%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.71% | ||
| ROIC | 2.17% |
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's Profit Margin of 13.66% is on the low side compared to the rest of the industry. BCAL is outperformed by 77.24% of its industry peers.
In the last couple of years the Profit Margin of BCAL has declined.
With an excellent Operating Margin value of 54.68%, BCAL belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
In the last couple of years the Operating Margin of BCAL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.68% | ||
| PM (TTM) | 13.66% | ||
| 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
BCAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, BCAL has more shares outstanding
Compared to 1 year ago, BCAL has an improved debt to assets ratio.
2.2 Solvency
BCAL has an Altman-Z score of -0.69. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
With an excellent Altman-Z score value of -0.69, BCAL belongs to the best of the industry, outperforming 98.98% of the companies in the same industry.
BCAL has a debt to FCF ratio of 54.39. This is a negative value and a sign of low solvency as BCAL would need 54.39 years to pay back of all of its debts.
BCAL has a worse Debt to FCF ratio (54.39) than 84.14% of its industry peers.
BCAL has a Debt/Equity ratio of 6.15. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 6.15, BCAL is not doing good in the industry: 96.93% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Altman-Z | -0.69 |
ROIC/WACC0.61
WACC3.57%
2.3 Liquidity
A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
Looking at the Current ratio, with a value of 0.04, BCAL belongs to the top of the industry, outperforming 99.23% of the companies in the same industry.
BCAL has a Quick 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.
Looking at the Quick ratio, with a value of 0.04, BCAL belongs to the top of the industry, outperforming 99.23% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 63.95% over the past year.
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 80.83%.
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)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
3.2 Future
BCAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 50.42% yearly.
BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.55% yearly.
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
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.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 11.36, the valuation of BCAL can be described as very reasonable.
BCAL's Price/Earnings is on the same level as the industry average.
BCAL is valuated cheaply when we compare the Price/Earnings ratio to 27.29, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 9.70 indicates a reasonable valuation of BCAL.
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 22.85, BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.7 |
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 99.74% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCAL indicates a somewhat cheap valuation: BCAL is cheaper than 75.70% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.42 | ||
| EV/EBITDA | 3.75 |
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.
BCAL's earnings are expected to grow with 50.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.08
PEG (5Y)N/A
EPS Next 2Y50.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for BCAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
16.02
-0.73 (-4.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.67%
Inst Owner Change0%
Ins Owners24.1%
Ins Owner Change-0.28%
Market Cap520.97M
Analysts80
Price Target19.04 (18.85%)
Short Float %1.55%
Short Ratio3.24
Dividend
| Industry Rank | Sector 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)2
Avg EPS beat(2)15.56%
Min EPS beat(2)3.66%
Max EPS beat(2)27.45%
EPS beat(4)4
Avg EPS beat(4)33.05%
Min EPS beat(4)3.66%
Max EPS beat(4)87.43%
EPS beat(8)4
Avg EPS beat(8)0.77%
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-2.56%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-2.03%
Revenue beat(4)0
Avg Revenue beat(4)-4.17%
Min Revenue beat(4)-8.89%
Max Revenue beat(4)-2.03%
Revenue beat(8)0
Avg Revenue beat(8)-4.74%
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)5.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1.42%
EPS NY rev (1m)0%
EPS NY rev (3m)0.1%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.36 | ||
| Fwd PE | 9.7 | ||
| P/S | 2.28 | ||
| P/FCF | 8.42 | ||
| P/OCF | 8.36 | ||
| P/B | 0.95 | ||
| P/tB | 1.25 | ||
| EV/EBITDA | 3.75 |
EPS(TTM)1.41
EY8.8%
EPS(NY)1.65
Fwd EY10.31%
FCF(TTM)1.9
FCFY11.88%
OCF(TTM)1.92
OCFY11.97%
SpS7.04
BVpS16.84
TBVpS12.8
PEG (NY)0.08
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.71% | ||
| ROCE | 20.83% | ||
| ROIC | 2.17% | ||
| ROICexc | 2.22% | ||
| ROICexgc | 2.34% | ||
| OM | 54.68% | ||
| PM (TTM) | 13.66% | ||
| GM | N/A | ||
| FCFM | 27.04% |
ROA(3y)0.65%
ROA(5y)N/A
ROE(3y)5.41%
ROE(5y)N/A
ROIC(3y)1.52%
ROIC(5y)N/A
ROICexc(3y)1.54%
ROICexc(5y)N/A
ROICexgc(3y)1.61%
ROICexgc(5y)N/A
ROCE(3y)15.77%
ROCE(5y)N/A
ROICexcg growth 3Y37.36%
ROICexcg growth 5YN/A
ROICexc growth 3Y36.52%
ROICexc growth 5YN/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
F-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Debt/EBITDA | 25.73 | ||
| Cap/Depr | 8.18% | ||
| Cap/Sales | 0.2% | ||
| Interest Coverage | 2.01 | ||
| Cash Conversion | 47.67% | ||
| Profit Quality | 197.92% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.69 |
F-Score8
WACC3.57%
ROIC/WACC0.61
Cap/Depr(3y)28.31%
Cap/Depr(5y)N/A
Cap/Sales(3y)0.57%
Cap/Sales(5y)N/A
Profit Quality(3y)372.76%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y81.16%
EBIT growth 3Y65.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y60.29%
FCF growth 3Y40.59%
FCF growth 5YN/A
OCF growth 1Y59.14%
OCF growth 3Y36.79%
OCF growth 5YN/A