17.99 USD
-0.09 (-0.5%)
At close: Jan 30, 2026
17.99 USD
0 (0%)
After Hours: 1/30/2026, 8:00:01 PM
Overall BCAL gets a fundamental rating of 5 out of 10. We evaluated BCAL against 383 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
- BCAL had positive earnings in the past year.
- 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.
- With a decent Return On Equity value of 11.23%, BCAL is doing good in the industry, outperforming 77.02% of the companies in the same industry.
- The Return On Invested Capital of BCAL (2.55%) is better than 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 2.62%.
- 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 67.36% of its industry peers.
- In the last couple of years the Profit Margin of BCAL has declined.
- With an excellent Operating Margin value of 65.70%, BCAL belongs to the best of the industry, outperforming 99.74% of the companies in the same industry.
- 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
- BCAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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 -0.67, we must say that BCAL is in the distress zone and has some risk of bankruptcy.
- The Altman-Z score of BCAL (-0.67) is better than 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 has a worse Debt to FCF ratio (58.59) than 85.12% 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.
- Looking at the Debt to Equity ratio, with a value of 6.19, BCAL is doing worse than 96.08% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.67 |
ROIC/WACC0.67
WACC3.83%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
- Looking at the Current 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.
- 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 has a Quick ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.22% of its industry peers.
| 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.
- 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.
- The Revenue has grown by 55.36% in the past year. This is a very strong growth!
- 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
- BCAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 36.38% yearly.
- 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.
- 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 9.27, which indicates a very decent valuation of BCAL.
- Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 87.99% 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 28.30.
- Based on the Price/Forward Earnings ratio of 10.13, the valuation of BCAL can be described as reasonable.
- BCAL's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 60.05% of the companies in the same industry.
- BCAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.27 | ||
| Fwd PE | 10.13 |
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.
- 69.71% 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 | 9.79 | ||
| EV/EBITDA | 3.32 |
4.3 Compensation for Growth
- BCAL's 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
- With a Yearly Dividend Yield of 2.21%, BCAL has a reasonable but not impressive dividend return.
- Compared to an average industry Dividend Yield of 2.70, BCAL is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.82, BCAL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.21% |
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 9.27 and the Price/Book (PB) ratio is 1.03.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.