CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis

NASDAQ:BCAL • US84252A1060

18.87 USD
-0.04 (-0.21%)
At close: Feb 13, 2026
18.87 USD
0 (0%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, BCAL scores 4 out of 10 in our fundamental rating. BCAL was compared to 381 industry peers in the Banks industry. BCAL has an excellent profitability rating, but there are concerns on its financial health. BCAL has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

7

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 each of the past 5 years.
  • BCAL had a positive operating cash flow in 4 of the past 5 years.
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 (1.55%) than 88.45% of its industry peers.
  • The Return On Equity of BCAL (11.23%) is better than 76.64% of its industry peers.
  • BCAL's Return On Invested Capital of 2.55% is amongst the best of the industry. BCAL outperforms 99.48% of its industry peers.
  • 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 2.69%.
  • The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.55%), indicating increased profibility in the last year.
Industry RankSector 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
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

  • Looking at the Profit Margin, with a value of 27.35%, BCAL is in the better half of the industry, outperforming 66.93% of the companies in the same industry.
  • In the last couple of years the Profit Margin of BCAL has declined.
  • 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 RankSector 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
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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ROAROEROICOperating and Profit MarginShow most profitable peers

3

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL is destroying value.
  • BCAL has more shares outstanding than it did 1 year ago.
  • BCAL has a better debt/assets ratio than last year.
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

  • 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.
  • With an excellent Altman-Z score value of -0.66, BCAL belongs to the best of the industry, outperforming 98.69% of the companies in the same industry.
  • BCAL has a debt to FCF ratio of 58.59. This is a negative value and a sign of low solvency as BCAL would need 58.59 years to pay back of all of its debts.
  • The Debt to FCF ratio of BCAL (58.59) is worse than 85.04% 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.
  • The Debt to Equity ratio of BCAL (6.19) is worse than 96.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.66
ROIC/WACC0.66
WACC3.89%
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

  • A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • BCAL has a Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.21% of its industry peers.
  • 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.
  • BCAL's Quick ratio of 0.04 is amongst the best of the industry. BCAL outperforms 99.21% of its industry peers.
Industry RankSector Rank
Current Ratio 0.04
Quick Ratio 0.04
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

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.
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

  • Based on estimates for the next years, BCAL will show a decrease in Earnings Per Share. The EPS will decrease by -2.54% on average per year.
  • The Revenue is expected to grow by 3.67% on average over the next years.
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

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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • BCAL is valuated reasonably with a Price/Earnings ratio of 9.78.
  • BCAL's Price/Earnings ratio is rather cheap when compared to the industry. BCAL is cheaper than 85.30% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.97, BCAL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.23, the valuation of BCAL can be described as reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.96, BCAL is valued rather cheaply.
Industry RankSector Rank
PE 9.78
Fwd PE 11.23
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

  • 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.
  • Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 69.03% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.27
EV/EBITDA 3.49
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of BCAL 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

More info and screens

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

1

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.12%, BCAL has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.74, BCAL is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, BCAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

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

DPN/A
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

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Find the best dividend stocksShow peers with best dividend

CALIFORNIA BANCORP

NASDAQ:BCAL (2/13/2026, 8:00:01 PM)

After market: 18.87 0 (0%)

18.87

-0.04 (-0.21%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners58.8%
Inst Owner Change0.04%
Ins Owners23.43%
Ins Owner Change-4.71%
Market Cap611.77M
Revenue(TTM)N/A
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (16.22%)
Short Float %1.77%
Short Ratio1.67
Dividend
Industry RankSector 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 RankSector Rank
PE 9.78
Fwd PE 11.23
P/S 2.64
P/FCF 10.27
P/OCF 10.2
P/B 1.08
P/tB 1.41
EV/EBITDA 3.49
EPS(TTM)1.93
EY10.23%
EPS(NY)1.68
Fwd EY8.9%
FCF(TTM)1.84
FCFY9.74%
OCF(TTM)1.85
OCFY9.8%
SpS7.15
BVpS17.41
TBVpS13.39
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.49
Profitability
Industry RankSector 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 RankSector 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
WACC3.89%
ROIC/WACC0.66
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 9.78 and the Price/Book (PB) ratio is 1.08.


What is the financial health of CALIFORNIA BANCORP (BCAL) stock?

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