19.16 USD
+0.31 (+1.64%)
At close: Feb 6, 2026
19.16 USD
0 (0%)
After Hours: 2/6/2026, 8:19:05 PM
We assign a fundamental rating of 4 out of 10 to BCAL. BCAL was compared to 383 industry peers in the Banks industry. There are concerns on the financial health of BCAL while its profitability can be described as average. BCAL has a valuation in line with the averages, but on the other hand it scores bad on growth.
1. Profitability
1.1 Basic Checks
- In the past year BCAL was profitable.
- BCAL had a positive operating cash flow in the past year.
- BCAL had positive earnings in 4 of the past 5 years.
- Of the past 5 years BCAL 4 years had a positive operating cash flow.
1.2 Ratios
- BCAL has a Return On Assets of 1.55%. This is amongst the best in the industry. BCAL outperforms 88.54% 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 76.82% of the companies in the same industry.
- 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.
- BCAL had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 2.57%.
- 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
- BCAL has a Profit Margin of 27.35%. This is in the better half of the industry: BCAL outperforms 67.19% 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
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), BCAL is destroying value.
- There is no outstanding debt for BCAL. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
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.
- Looking at the Altman-Z score, with a value of -0.66, BCAL belongs to the top of the industry, outperforming 98.70% of the companies in the same industry.
- 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 84.64% of its industry peers.
- BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
- With a Debt to Equity ratio value of 6.19, BCAL is not doing good in the industry: 96.35% 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/WACC0.64
WACC3.96%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
- With an excellent Current ratio value of 0.04, BCAL belongs to the best of the industry, outperforming 99.22% 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.
- 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 164.38% over the past year.
EPS 1Y (TTM)164.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1.96%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
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 3.67% on average per year.
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.05%
Revenue Next 2Y3.67%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
4. Valuation
4.1 Price/Earnings Ratio
- The Price/Earnings ratio is 9.93, which indicates a very decent valuation of BCAL.
- Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 86.98% of the companies are valued more expensively.
- When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (27.92), we can say BCAL is valued rather cheaply.
- A Price/Forward Earnings ratio of 11.40 indicates a reasonable valuation of BCAL.
- BCAL's Price/Forward Earnings is on the same level as the industry average.
- BCAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.78, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 11.4 |
4.2 Price Multiples
- Based on the Enterprise Value to EBITDA ratio, BCAL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
- BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 69.53% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.42 | ||
| EV/EBITDA | 3.54 |
4.3 Compensation for Growth
- BCAL has a very decent profitability rating, which may justify a higher PE ratio.
- A cheap valuation may be justified as BCAL's earnings are expected to decrease with -2.54% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.54%
EPS Next 3YN/A
5. Dividend
5.1 Amount
- BCAL has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
- BCAL's Dividend Yield is slightly below the industry average, which is at 2.54.
- BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.81.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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 2Y-2.54%
EPS Next 3YN/A
19.16
+0.31 (+1.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-22 2026-04-22
Inst Owners58.8%
Inst Owner Change0.01%
Ins Owners23.43%
Ins Owner Change-5.66%
Market Cap621.55M
Revenue(TTM)N/A
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (14.46%)
Short Float %1.77%
Short Ratio1.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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)2.38%
PT rev (3m)13.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)0.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 11.4 | ||
| P/S | 2.68 | ||
| P/FCF | 10.42 | ||
| P/OCF | 10.36 | ||
| P/B | 1.1 | ||
| P/tB | 1.43 | ||
| EV/EBITDA | 3.54 |
EPS(TTM)1.93
EY10.07%
EPS(NY)1.68
Fwd EY8.77%
FCF(TTM)1.84
FCFY9.59%
OCF(TTM)1.85
OCFY9.66%
SpS7.15
BVpS17.41
TBVpS13.39
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.49
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
WACC3.96%
ROIC/WACC0.64
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)164.38%
EPS 3YN/A
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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.04%
Revenue Next Year1.05%
Revenue Next 2Y3.67%
Revenue Next 3YN/A
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 4 / 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.
Can you provide the profitability details for CALIFORNIA BANCORP?
CALIFORNIA BANCORP (BCAL) has a profitability rating of 6 / 10.
What are the PE and PB ratios of CALIFORNIA BANCORP (BCAL) stock?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.93 and the Price/Book (PB) ratio is 1.1.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.