19.38 USD
-0.12 (-0.62%)
19.38 USD
0 (0%)
Overall BCAL gets a fundamental rating of 5 out of 10. We evaluated BCAL against 387 industry peers in the Banks industry. While BCAL is still in line with the averages on profitability rating, there are concerns on its financial health. BCAL has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
In the past year BCAL was profitable.
BCAL had a positive operating cash flow in the past year.
1.2 Ratios
BCAL's Return On Assets of 1.55% is amongst the best of the industry. BCAL outperforms 88.89% of its industry peers.
The Return On Equity of BCAL (11.23%) is better than 77.00% of its industry peers.
With an excellent Return On Invested Capital value of 2.55%, BCAL belongs to the best 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
The Profit Margin of BCAL (27.35%) is better than 68.99% of its industry peers.
In the last couple of years the Profit Margin of BCAL has declined.
BCAL's Operating Margin of 65.70% is amongst the best of the industry. BCAL outperforms 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 | 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
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL is destroying value.
Compared to 1 year ago, BCAL has more shares outstanding
The debt/assets ratio for BCAL has been reduced compared to a year ago.
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 has a better Altman-Z score (-0.66) than 98.97% 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.
The Debt to FCF ratio of BCAL (58.59) is worse than 84.75% 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.
BCAL has a worse Debt to Equity ratio (6.19) than 96.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.65
WACC3.95%
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 better Current ratio (0.04) than 99.22% of its industry peers.
A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
Looking at the Quick ratio, with a value of 0.04, BCAL belongs to the top of the industry, outperforming 99.22% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
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.
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%.
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
Based on estimates for the next years, BCAL will show a very strong growth in Earnings Per Share. The EPS will grow by 36.38% on average per year.
BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.74% yearly.
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
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
The Price/Earnings ratio is 9.99, which indicates a very decent valuation of BCAL.
Based on the Price/Earnings ratio, BCAL is valued a bit cheaper than the industry average as 76.23% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.15. BCAL is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 10.91, the valuation of BCAL can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 36.12. BCAL is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
BCAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BCAL is cheaper than 99.74% of the companies in the same industry.
60.72% 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 | 10.57 | ||
| EV/EBITDA | 3.59 |
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.
BCAL's earnings are expected to grow with 36.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
5. Dividend
5.1 Amount
No dividends for BCAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
19.38
-0.12 (-0.62%)
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 Change-0.29%
Market Cap630.24M
Revenue(TTM)231.84M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.42 (10.53%)
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)11.81%
Min EPS beat(2)3.66%
Max EPS beat(2)19.95%
EPS beat(4)4
Avg EPS beat(4)16.17%
Min EPS beat(4)3.66%
Max EPS beat(4)27.45%
EPS beat(8)5
Avg EPS beat(8)4.17%
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)-1.01%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)1.07%
Revenue beat(4)1
Avg Revenue beat(4)-3.23%
Min Revenue beat(4)-8.89%
Max Revenue beat(4)1.07%
Revenue beat(8)1
Avg Revenue beat(8)-3.87%
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)12.5%
PT rev (3m)12.5%
EPS NQ rev (1m)11.51%
EPS NQ rev (3m)9.08%
EPS NY rev (1m)6.89%
EPS NY rev (3m)6.83%
Revenue NQ rev (1m)2.66%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0.93%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 10.91 | ||
| P/S | 2.72 | ||
| P/FCF | 10.57 | ||
| P/OCF | 10.5 | ||
| P/B | 1.12 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 3.59 |
EPS(TTM)1.94
EY10.01%
EPS(NY)1.78
Fwd EY9.16%
FCF(TTM)1.83
FCFY9.46%
OCF(TTM)1.85
OCFY9.52%
SpS7.13
BVpS17.37
TBVpS13.36
PEG (NY)0.06
PEG (5Y)N/A
Graham Number27.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.55% | ||
| ROE | 11.23% | ||
| ROCE | 25.46% | ||
| ROIC | 2.55% | ||
| ROICexc | 2.61% | ||
| ROICexgc | 2.75% | ||
| OM | 65.7% | ||
| PM (TTM) | 27.35% | ||
| GM | N/A | ||
| FCFM | 25.72% |
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-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Debt/EBITDA | 22.08 | ||
| Cap/Depr | 6.63% | ||
| Cap/Sales | 0.17% | ||
| Interest Coverage | 2.38 | ||
| Cash Conversion | 37.94% | ||
| Profit Quality | 94.03% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.66 |
F-Score7
WACC3.95%
ROIC/WACC0.65
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 1Y150.88%
EBIT growth 3Y65.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y18.77%
FCF growth 3Y40.59%
FCF growth 5YN/A
OCF growth 1Y18.44%
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 5 / 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 9.99 and the Price/Book (PB) ratio is 1.12.