18.86 USD
+0.29 (+1.56%)
18.86 USD
0 (0%)
Taking everything into account, BCAL scores 5 out of 10 in our fundamental rating. BCAL was compared to 388 industry peers in the Banks industry. BCAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. An interesting combination arises when we look at growth and value: BCAL is growing strongly while it also seems undervalued.
1. Profitability
1.1 Basic Checks
In the past year BCAL was profitable.
In the past year BCAL had a positive cash flow from operations.
1.2 Ratios
BCAL has a Return On Assets (0.79%) which is in line with its industry peers.
With a Return On Equity value of 5.71%, BCAL is not doing good in the industry: 72.68% of the companies in the same industry are doing better.
BCAL has a better Return On Invested Capital (2.17%) than 99.48% of its industry peers.
Measured over the past 3 years, the Average Return On Invested Capital for BCAL is in line with the industry average of 2.58%.
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
Looking at the Profit Margin, with a value of 13.66%, BCAL is doing worse than 80.15% of the companies in the same industry.
In the last couple of years the Profit Margin of BCAL has declined.
The Operating Margin of BCAL (54.68%) is better than 99.74% of its industry peers.
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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL is destroying value.
The number of shares outstanding for BCAL has been increased compared to 1 year ago.
BCAL has a better debt/assets ratio than last year.
2.2 Solvency
BCAL has an Altman-Z score of -0.67. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
The Altman-Z score of BCAL (-0.67) is better than 98.97% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 54.39, BCAL is doing worse than 84.54% of the companies in the same industry.
A Debt/Equity ratio of 6.15 is on the high side and indicates that BCAL has dependencies on debt financing.
The Debt to Equity ratio of BCAL (6.15) is worse than 96.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Altman-Z | -0.67 |
ROIC/WACC0.56
WACC3.9%
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.
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 321.74% over the past year.
The earnings per share for BCAL have been decreasing by -28.36% on average. This is quite bad
Looking at the last year, BCAL shows a very strong growth in Revenue. The Revenue has grown by 55.36%.
The Revenue has been growing by 37.61% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 36.38% on average over the next years. This is a very strong growth
Based on estimates for the next years, BCAL will show a quite strong growth in Revenue. The Revenue will grow by 13.74% on average per year.
EPS Next Y158.03%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year38.02%
Revenue Next 2Y19.11%
Revenue Next 3Y13.74%
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 accelerating.
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
BCAL is valuated reasonably with a Price/Earnings ratio of 9.72.
Compared to the rest of the industry, the Price/Earnings ratio of BCAL indicates a somewhat cheap valuation: BCAL is cheaper than 74.74% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 25.45. BCAL is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 10.62, which indicates a very decent valuation of BCAL.
The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 34.46.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 10.62 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BCAL is valued cheaper than 99.48% of the companies in the same industry.
64.69% of the companies in the same industry are more expensive than BCAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.91 | ||
| EV/EBITDA | 4.38 |
4.3 Compensation for Growth
The 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 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
18.86
+0.29 (+1.56%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.67%
Inst Owner Change1.02%
Ins Owners24.1%
Ins Owner Change0.14%
Market Cap613.33M
Revenue(TTM)231.84M
Net Income(TTM)31.26M
Analysts84.44
Price Target21.42 (13.57%)
Short Float %1.53%
Short Ratio2.55
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)1.79%
PT rev (3m)1.79%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)6.83%
EPS NY rev (3m)6.93%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-0.05%
Revenue NY rev (1m)0.84%
Revenue NY rev (3m)-0.98%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.72 | ||
| Fwd PE | 10.62 | ||
| P/S | 2.68 | ||
| P/FCF | 9.91 | ||
| P/OCF | 9.84 | ||
| P/B | 1.12 | ||
| P/tB | 1.47 | ||
| EV/EBITDA | 4.38 |
EPS(TTM)1.94
EY10.29%
EPS(NY)1.78
Fwd EY9.42%
FCF(TTM)1.9
FCFY10.09%
OCF(TTM)1.92
OCFY10.16%
SpS7.04
BVpS16.84
TBVpS12.8
PEG (NY)0.06
PEG (5Y)N/A
Graham Number27.11
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
ROICexgc growth 3Y37.36%
ROICexgc 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 | -0.67 |
F-Score8
WACC3.9%
ROIC/WACC0.56
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)321.74%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%1060%
EPS Next Y158.03%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue 1Y (TTM)55.36%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%18.54%
Revenue Next Year38.02%
Revenue Next 2Y19.11%
Revenue Next 3Y13.74%
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
CALIFORNIA BANCORP / BCAL FAQ
Can you provide the ChartMill fundamental rating for CALIFORNIA BANCORP?
ChartMill assigns a fundamental rating of 5 / 10 to BCAL.
Can you provide the valuation status for CALIFORNIA BANCORP?
ChartMill assigns a valuation rating of 7 / 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 4 / 10.
What is the valuation of CALIFORNIA BANCORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.72 and the Price/Book (PB) ratio is 1.12.