CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation

NASDAQ:BCAL • US84252A1060

Current stock price

17.76 USD
-0.08 (-0.45%)
At close:
17.76 USD
0 (0%)
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This BCAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

7

1. BCAL Profitability Analysis

1.1 Basic Checks

  • BCAL had positive earnings in the past year.
  • BCAL had a positive operating cash flow in the past year.
  • Each year in the past 5 years BCAL has been profitable.
  • Each year in the past 5 years BCAL had a positive operating cash flow.
BCAL Yearly Net Income VS EBIT VS OCF VS FCFBCAL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2021 2022 2023 2024 2025 50M 100M

1.2 Ratios

  • BCAL has a better Return On Assets (1.56%) than 88.16% of its industry peers.
  • With a decent Return On Equity value of 10.94%, BCAL is doing good in the industry, outperforming 69.74% of the companies in the same industry.
  • BCAL's Return On Invested Capital of 2.55% is amongst the best of the industry. BCAL outperforms 99.47% of its industry peers.
  • BCAL had an Average Return On Invested Capital over the past 3 years of 2.02%. This is in line with the industry average of 2.65%.
  • The last Return On Invested Capital (2.55%) for BCAL is above the 3 year average (2.02%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.56%
ROE 10.94%
ROIC 2.55%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
BCAL Yearly ROA, ROE, ROICBCAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • The Profit Margin of BCAL (27.83%) is better than 63.68% of its industry peers.
  • BCAL's Profit Margin has improved in the last couple of years.
  • BCAL's Operating Margin of 65.24% is amongst the best of the industry. BCAL outperforms 99.47% of its industry peers.
  • BCAL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 65.24%
PM (TTM) 27.83%
GM N/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
BCAL Yearly Profit, Operating, Gross MarginsBCAL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2021 2022 2023 2024 2025 20 40 60

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3

2. BCAL Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BCAL is destroying value.
  • The number of shares outstanding for BCAL has been increased compared to 1 year ago.
  • Compared to 1 year ago, BCAL has an improved debt to assets ratio.
BCAL Yearly Shares OutstandingBCAL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 2025 10M 20M 30M
BCAL Yearly Total Debt VS Total AssetsBCAL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 2024 2025 1B 2B 3B 4B

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.
  • Looking at the Altman-Z score, with a value of -0.67, BCAL belongs to the top of the industry, outperforming 98.68% of the companies in the same industry.
  • BCAL has a debt to FCF ratio of 59.79. This is a negative value and a sign of low solvency as BCAL would need 59.79 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 59.79, BCAL is not doing good in the industry: 86.05% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 5.90 is on the high side and indicates that BCAL has dependencies on debt financing.
  • The Debt to Equity ratio of BCAL (5.90) is worse than 96.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.9
Debt/FCF 59.79
Altman-Z -0.67
ROIC/WACC0.78
WACC3.28%
BCAL Yearly LT Debt VS Equity VS FCFBCAL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 2025 100M 200M 300M 400M 500M

2.3 Liquidity

  • BCAL has a Current Ratio of 0.03. 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 0.03. This is amongst the best in the industry. BCAL outperforms 98.95% of its industry peers.
  • A Quick Ratio of 0.03 indicates that BCAL may have some problems paying its short term obligations.
  • BCAL's Quick ratio of 0.03 is amongst the best of the industry. BCAL outperforms 98.95% of its industry peers.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
BCAL Yearly Current Assets VS Current LiabilitesBCAL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 2025 1B 2B 3B

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6

3. BCAL Growth Analysis

3.1 Past

  • BCAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 164.38%, which is quite impressive.
  • BCAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.86% yearly.
  • BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.48%.
  • The Revenue has been growing by 34.11% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
Revenue 1Y (TTM)26.48%
Revenue growth 3Y34.11%
Revenue growth 5YN/A
Sales Q2Q%5.04%

3.2 Future

  • BCAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.54% yearly.
  • Based on estimates for the next years, BCAL will show a small growth in Revenue. The Revenue will grow by 3.91% on average per year.
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
Revenue Next 2Y3.91%
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.
BCAL Yearly Revenue VS EstimatesBCAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M 200M
BCAL Yearly EPS VS EstimatesBCAL Yearly EPS VS EstimatesYearly EPS VS Estimates 2023 2024 2025 2026 2027 0.5 1 1.5

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6

4. BCAL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.20, the valuation of BCAL can be described as reasonable.
  • Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 85.53% of the companies are valued more expensively.
  • BCAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.60.
  • The Price/Forward Earnings ratio is 10.57, 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 22.84.
Industry RankSector Rank
PE 9.2
Fwd PE 10.57
BCAL Price Earnings VS Forward Price EarningsBCAL 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 Enterprise Value to EBITDA ratio of BCAL indicates a rather cheap valuation: BCAL is cheaper than 99.21% 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 66.58% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.08
EV/EBITDA 3.64
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • BCAL has a very decent profitability rating, which may justify a higher PE ratio.
  • BCAL's earnings are expected to decrease with -2.54% in the coming years. This may justify a cheaper valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.54%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. BCAL Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.28%, BCAL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, BCAL is paying slightly less dividend.
  • BCAL's Dividend Yield is a higher than the S&P500 average which is at 1.88.
Industry RankSector Rank
Dividend Yield 2.28%

5.2 History

  • BCAL is new to the dividend game and has less than 3 years of track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
BCAL Yearly Dividends per shareBCAL Yearly Dividends per shareYearly Dividends per share 2025 0.02 0.04 0.06 0.08

5.3 Sustainability

  • 5.16% of the earnings are spent on dividend by BCAL. This is a low number and sustainable payout ratio.
DP5.16%
EPS Next 2Y-2.54%
EPS Next 3YN/A
BCAL Yearly Income VS Free CF VS DividendBCAL Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2021 2022 2023 2024 2025 20M 40M 60M
BCAL Dividend Payout.BCAL Dividend Payout, showing the Payout Ratio.BCAL Dividend Payout.PayoutRetained Earnings

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BCAL Fundamentals: All Metrics, Ratios and Statistics

CALIFORNIA BANCORP

NASDAQ:BCAL (4/2/2026, 8:09:20 PM)

After market: 17.76 0 (0%)

17.76

-0.08 (-0.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-23
Inst Owners64.36%
Inst Owner Change4.28%
Ins Owners23.3%
Ins Owner Change-0.88%
Market Cap574.18M
Revenue(TTM)226.56M
Net Income(TTM)63.06M
Analysts84.44
Price Target21.93 (23.48%)
Short Float %1.81%
Short Ratio1.7
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
Yearly Dividend0.1
Dividend Growth(5Y)N/A
DP5.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.62%
Min EPS beat(2)13.3%
Max EPS beat(2)19.95%
EPS beat(4)4
Avg EPS beat(4)16.09%
Min EPS beat(4)3.66%
Max EPS beat(4)27.45%
EPS beat(8)6
Avg EPS beat(8)8.63%
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)1
Avg Revenue beat(2)0.5%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)1.07%
Revenue beat(4)1
Avg Revenue beat(4)-1.03%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)1.07%
Revenue beat(8)1
Avg Revenue beat(8)-2.82%
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)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-2.24%
Valuation
Industry RankSector Rank
PE 9.2
Fwd PE 10.57
P/S 2.53
P/FCF 10.08
P/OCF 10.02
P/B 1
P/tB 1.28
EV/EBITDA 3.64
EPS(TTM)1.93
EY10.87%
EPS(NY)1.68
Fwd EY9.46%
FCF(TTM)1.76
FCFY9.92%
OCF(TTM)1.77
OCFY9.98%
SpS7.01
BVpS17.83
TBVpS13.83
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.83
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 10.94%
ROCE 24.21%
ROIC 2.55%
ROICexc 2.59%
ROICexgc 2.72%
OM 65.24%
PM (TTM) 27.83%
GM N/A
FCFM 25.13%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
ROICexc(3y)2.05%
ROICexc(5y)1.57%
ROICexgc(3y)2.15%
ROICexgc(5y)1.64%
ROCE(3y)20.26%
ROCE(5y)15.75%
ROICexgc growth 3Y33.61%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.92%
ROICexc growth 5YN/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.9
Debt/FCF 59.79
Debt/EBITDA 22.19
Cap/Depr 6.16%
Cap/Sales 0.15%
Interest Coverage 2.53
Cash Conversion 37.34%
Profit Quality 90.3%
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z -0.67
F-Score7
WACC3.28%
ROIC/WACC0.78
Cap/Depr(3y)12.36%
Cap/Depr(5y)38.57%
Cap/Sales(3y)0.24%
Cap/Sales(5y)0.88%
Profit Quality(3y)377.47%
Profit Quality(5y)275.14%
High Growth Momentum
Growth
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)26.48%
Revenue growth 3Y34.11%
Revenue growth 5YN/A
Sales Q2Q%5.04%
Revenue Next Year1.22%
Revenue Next 2Y3.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y70.64%
EBIT growth 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.48%
FCF growth 3Y66.8%
FCF growth 5YN/A
OCF growth 1Y13.91%
OCF growth 3Y62.5%
OCF growth 5YN/A

CALIFORNIA BANCORP / BCAL Fundamental Analysis 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 6 / 10 to CALIFORNIA BANCORP (BCAL). This can be considered as Fairly Valued.


What is the profitability of BCAL stock?

CALIFORNIA BANCORP (BCAL) has a profitability rating of 7 / 10.


Can you provide the financial health for BCAL stock?

The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.


Can you provide the dividend sustainability for BCAL stock?

The dividend rating of CALIFORNIA BANCORP (BCAL) is 3 / 10 and the dividend payout ratio is 5.16%.