CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:BCAL • US84252A1060

18.32 USD
+0.33 (+1.83%)
At close: Feb 2, 2026
18.32 USD
0 (0%)
After Hours: 2/2/2026, 8:00:01 PM
Fundamental Rating

4

Taking everything into account, BCAL scores 4 out of 10 in our fundamental rating. 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 it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • In the past year BCAL was profitable.
  • BCAL had a positive operating cash flow in the past year.
  • Of the past 5 years BCAL 4 years were profitable.
  • 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 20M 40M 60M 80M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.55%, BCAL belongs to the top of the industry, outperforming 87.99% of the companies in the same industry.
  • With a decent Return On Equity value of 11.23%, BCAL is doing good in the industry, outperforming 76.76% 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.
  • Measured over the past 3 years, the Average Return On Invested Capital for BCAL 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 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 2 4 6 8

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.
  • Looking at the Operating Margin, with a value of 65.70%, BCAL belongs to the top of the industry, outperforming 99.74% of the companies in the same industry.
  • 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 10 20 30 40 50

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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.
  • 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.
BCAL Yearly Shares OutstandingBCAL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 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.
  • Looking at the Altman-Z score, with a value of -0.66, BCAL belongs to the top of the industry, outperforming 98.96% 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.
  • With a Debt to FCF ratio value of 58.59, BCAL is not doing good in the industry: 84.86% of the companies in the same industry are doing better.
  • A Debt/Equity ratio of 6.19 is on the high side and indicates that BCAL has dependencies on debt 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 96.08% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.66
ROIC/WACC0.66
WACC3.87%
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 100M 200M 300M 400M 500M

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 Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.22% of its industry peers.
  • A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • BCAL's Quick ratio of 0.04 is amongst the best of the industry. BCAL outperforms 99.22% 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 1B 2B 3B

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2

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 -2.05% yearly.
  • BCAL is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.71% yearly.
EPS Next Y-7.99%
EPS Next 2Y-2.05%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year3.14%
Revenue Next 2Y3.71%
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
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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6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.49 indicates a reasonable valuation of BCAL.
  • Based on the Price/Earnings ratio, BCAL is valued cheaper than 88.25% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (28.41), we can say BCAL is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.32, the valuation of BCAL can be described as very reasonable.
  • Based on the Price/Forward Earnings ratio, BCAL is valued a bit cheaper than the industry average as 62.92% of the companies are valued more expensively.
  • BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.64.
Industry RankSector Rank
PE 9.49
Fwd PE 10.32
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

  • 100.00% of the companies in the same industry are more expensive than BCAL, based on the Enterprise Value to EBITDA ratio.
  • BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 70.76% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.97
EV/EBITDA 3.37
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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 -2.05% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.05%
EPS Next 3YN/A

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2

5. Dividend

5.1 Amount

  • BCAL has a Yearly Dividend Yield of 2.22%. Purely for dividend investing, there may be better candidates out there.
  • BCAL's Dividend Yield is slightly below the industry average, which is at 2.67.
  • Compared to an average S&P500 Dividend Yield of 1.83, BCAL pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.22%

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
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-2.05%
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 10M 20M 30M 40M

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CALIFORNIA BANCORP

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

After market: 18.32 0 (0%)

18.32

+0.33 (+1.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners58.8%
Inst Owner Change0.01%
Ins Owners23.43%
Ins Owner Change-5.66%
Market Cap594.30M
Revenue(TTM)N/A
Net Income(TTM)63.41M
Analysts84.44
Price Target21.42 (16.92%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
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)0%
PT rev (3m)10.53%
EPS NQ rev (1m)0%
EPS NQ rev (3m)11.51%
EPS NY rev (1m)0%
EPS NY rev (3m)7.54%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)2.18%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)1.16%
Valuation
Industry RankSector Rank
PE 9.49
Fwd PE 10.32
P/S 2.56
P/FCF 9.97
P/OCF 9.9
P/B 1.05
P/tB 1.37
EV/EBITDA 3.37
EPS(TTM)1.93
EY10.53%
EPS(NY)1.78
Fwd EY9.69%
FCF(TTM)1.84
FCFY10.03%
OCF(TTM)1.85
OCFY10.1%
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
WACC3.87%
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-7.99%
EPS Next 2Y-2.05%
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 Year3.14%
Revenue Next 2Y3.71%
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 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 9.49 and the Price/Book (PB) ratio is 1.05.


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

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