18.39 USD
-0.51 (-2.7%)
18.39 USD
0 (0%)
BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 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 is growing strongly while it also seems undervalued. This is an interesting combination
1. Profitability
1.1 Basic Checks
- BCAL had positive earnings in the past year.
- BCAL had a positive operating cash flow in the past year.
1.2 Ratios
- With an excellent Return On Assets value of 1.55%, BCAL belongs to the best of the industry, outperforming 87.99% 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 77.02% of its industry peers.
- BCAL has a better Return On Invested Capital (2.55%) than 99.48% of its industry peers.
- Measured over the past 3 years, the Average Return On Invested Capital for BCAL 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
- BCAL has a better Profit Margin (27.35%) than 67.36% of its industry peers.
- BCAL's Profit Margin has declined in the last couple of years.
- The Operating Margin of BCAL (65.70%) is better than 99.74% of its industry peers.
- BCAL's Operating Margin has improved in the last couple of years.
| 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL 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
- BCAL has an Altman-Z score of -0.66. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
- BCAL has a better Altman-Z score (-0.66) 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.
- The Debt to FCF ratio of BCAL (58.59) is worse 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.
- With a Debt to Equity ratio value of 6.19, BCAL is not doing good in the industry: 96.08% 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/WACC0.66
WACC3.87%
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.
- 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 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.
- The earnings per share for BCAL have been decreasing by -28.36% on average. This is quite bad
- BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 55.36%.
- Measured over the past years, BCAL shows a very strong growth in Revenue. The Revenue has been growing by 37.61% on average per year.
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.
- BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.16% yearly.
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
- When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
- 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 9.48, which indicates a very decent valuation of BCAL.
- Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 86.68% 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 27.21.
- Based on the Price/Forward Earnings ratio of 10.36, the valuation of BCAL can be described as reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
- BCAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.98, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.48 | ||
| Fwd PE | 10.36 |
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.
- Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than 66.32% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.01 | ||
| EV/EBITDA | 3.38 |
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.
- A more expensive valuation may be justified as BCAL's earnings are expected to grow with 36.38% in the coming years.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
5. Dividend
5.1 Amount
- BCAL has a Yearly Dividend Yield of 2.12%.
- Compared to an average industry Dividend Yield of 2.61, BCAL is paying slightly less dividend.
- 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 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 9.48 and the Price/Book (PB) ratio is 1.06.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.