19.165 USD
-0.01 (-0.03%)
Last: Feb 10, 2026, 09:50 AM
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. While BCAL is still in line with the averages on profitability rating, there are concerns on its financial health. BCAL has a valuation in line with the averages, but it does not seem to be growing.
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.
- BCAL had positive earnings in 4 of the past 5 years.
- BCAL had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
- With an excellent Return On Assets value of 1.55%, BCAL belongs to the best of the industry, outperforming 88.45% of the companies in the same industry.
- BCAL has a Return On Equity of 11.23%. This is in the better half of the industry: BCAL outperforms 76.90% of its industry peers.
- Looking at the Return On Invested Capital, with a value of 2.55%, BCAL belongs to the top 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 2.69%.
- The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.55%), indicating increased profibility in the last year.
| Industry 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
- Looking at the Profit Margin, with a value of 27.35%, BCAL is in the better half of the industry, outperforming 67.19% of the companies in the same industry.
- 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.
- BCAL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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.
- BCAL's Altman-Z score of -0.66 is amongst the best of the industry. BCAL outperforms 98.69% 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.
- With a Debt to FCF ratio value of 58.59, BCAL is not doing good in the industry: 85.04% of the companies in the same industry are doing better.
- BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
- BCAL's Debt to Equity ratio of 6.19 is on the low side compared to the rest of the industry. BCAL is outperformed by 96.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.64
WACC3.96%
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.
- With an excellent Current ratio value of 0.04, BCAL belongs to the best of the industry, outperforming 99.21% 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 99.21% of its industry peers.
| 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
- The Earnings Per Share is expected to decrease by -2.54% on average over the next years.
- BCAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.67% yearly.
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
- With a Price/Earnings ratio of 9.93, the valuation of BCAL can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of BCAL indicates a rather cheap valuation: BCAL is cheaper than 85.56% of the companies listed in the same industry.
- BCAL is valuated cheaply when we compare the Price/Earnings ratio to 28.06, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 11.41, the valuation of BCAL can be described as reasonable.
- BCAL's Price/Forward Earnings is on the same level as the industry average.
- BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.86.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.93 | ||
| Fwd PE | 11.41 |
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.
- Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than 69.55% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.43 | ||
| EV/EBITDA | 3.54 |
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
5. Dividend
5.1 Amount
- BCAL has a Yearly Dividend Yield of 2.12%.
- Compared to an average industry Dividend Yield of 2.53, BCAL is paying slightly less dividend.
- Compared to an average S&P500 Dividend Yield of 1.80, BCAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector 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
5.3 Sustainability
DPN/A
EPS Next 2Y-2.54%
EPS Next 3YN/A
NASDAQ:BCAL (2/10/2026, 9:50:36 AM)
19.165
-0.01 (-0.03%)
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 Change0.04%
Ins Owners23.43%
Ins Owner Change-4.71%
Market Cap621.71M
Revenue(TTM)N/A
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (14.43%)
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 | 11.41 | ||
| P/S | 2.68 | ||
| P/FCF | 10.43 | ||
| 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
OCFY9.65%
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.