18.08 USD
-0.29 (-1.58%)
18.08 USD
0 (0%)
Taking everything into account, BCAL scores 5 out of 10 in our fundamental rating. BCAL was compared to 383 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 of 1.55%. This is amongst the best in the industry. BCAL outperforms 87.99% of its industry peers.
- Looking at the Return On Equity, with a value of 11.23%, BCAL is in the better half of the industry, outperforming 77.02% of the companies in the same industry.
- Looking at the Return On Invested Capital, with a value of 2.55%, BCAL belongs to the top of the industry, outperforming 99.48% 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 2.62%.
- The last Return On Invested Capital (2.55%) for BCAL is above the 3 year average (1.52%), which is a sign of increasing profitability.
| 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
- Looking at the Profit Margin, with a value of 27.35%, BCAL is in the better half of the industry, outperforming 67.36% of the companies in the same industry.
- BCAL's Profit Margin has declined in the last couple of years.
- BCAL has a better Operating Margin (65.70%) 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
- Based on the Altman-Z score of -0.66, we must say that BCAL is in the distress zone and has some risk of bankruptcy.
- BCAL's Altman-Z score of -0.66 is amongst the best of the industry. BCAL outperforms 98.96% of its industry peers.
- 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.
- BCAL's Debt to FCF ratio of 58.59 is on the low side compared to the rest of the industry. BCAL is outperformed by 85.12% of its industry peers.
- A Debt/Equity ratio of 6.19 is on the high side and indicates that BCAL has dependencies on debt 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
WACC3.84%
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.
- With an excellent Quick ratio value of 0.04, BCAL belongs to the best of the industry, outperforming 99.22% 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.
- 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%.
- BCAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.61% yearly.
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 14.16% on average per year.
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
- Based on the Price/Earnings ratio of 9.32, the valuation of BCAL can be described as reasonable.
- Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 86.16% of the companies are valued more expensively.
- The average S&P500 Price/Earnings ratio is at 28.39. BCAL is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 10.18, the valuation of BCAL can be described as reasonable.
- BCAL's Price/Forward Earnings ratio is in line with the industry average.
- When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (25.72), we can say BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.32 | ||
| Fwd PE | 10.18 |
4.2 Price Multiples
- BCAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BCAL is cheaper than 100.00% of the companies 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 66.32% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.84 | ||
| EV/EBITDA | 3.38 |
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 has a Yearly Dividend Yield of 2.17%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.65, BCAL is paying slightly less dividend.
- BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.82.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.17% |
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 9.32 and the Price/Book (PB) ratio is 1.04.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.