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

5

BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. While BCAL belongs to the best of the industry regarding profitability, there are concerns on its financial health. BCAL has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

7

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.
  • Each year in the past 5 years BCAL has been 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 2025 50M 100M

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 better Return On Equity (11.23%) than 76.64% of its industry peers.
  • With an excellent Return On Invested Capital value of 2.58%, 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 2.69%.
  • The 3 year average ROIC (2.02%) for BCAL is below the current ROIC(2.58%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROIC 2.58%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
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

  • BCAL's Profit Margin of 27.35% is fine compared to the rest of the industry. BCAL outperforms 66.93% of its industry peers.
  • BCAL's Profit Margin has improved in the last couple of years.
  • 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.
  • In the last couple of years the Operating Margin of BCAL has grown nicely.
Industry RankSector Rank
OM 65.7%
PM (TTM) 27.35%
GM N/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
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.
  • Compared to 1 year ago, BCAL has more shares outstanding
  • 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

  • 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.
  • Looking at the Altman-Z score, with a value of -0.66, BCAL belongs to the top 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.
  • Looking at the Debt to Equity ratio, with a value of 6.19, BCAL is doing worse than 96.33% of the companies in the same industry.
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's Current ratio of 0.04 is amongst the best of the industry. BCAL outperforms 99.21% of its industry peers.
  • A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • The Quick ratio of BCAL (0.04) is better than 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

6

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 164.38% over the past year.
  • The Earnings Per Share has been growing by 28.86% on average over the past years. This is a very strong growth
  • BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.48%.
  • BCAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 34.11% yearly.
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
Revenue 1Y (TTM)26.48%
Revenue growth 3Y34.11%
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 -2.54% yearly.
  • 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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • Based on the Price/Earnings ratio of 9.78, the valuation of BCAL can be described as reasonable.
  • BCAL's Price/Earnings ratio is rather cheap when compared to the industry. BCAL is cheaper than 86.35% of the companies in the same industry.
  • BCAL's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.68.
  • A Price/Forward Earnings ratio of 11.23 indicates a reasonable valuation of BCAL.
  • BCAL's Price/Forward Earnings ratio is in line with the industry average.
  • BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.06.
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.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCAL indicates a somewhat cheap valuation: BCAL is cheaper than 70.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.26
EV/EBITDA 3.48
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.
  • 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

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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 2.78, BCAL is paying slightly less dividend.
  • BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.84.
Industry RankSector 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
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 Change-2.96%
Ins Owners23.43%
Ins Owner Change-4.71%
Market Cap611.77M
Revenue(TTM)226.56M
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)-5.38%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-2.03%
Revenue NY rev (3m)-1.47%
Valuation
Industry RankSector Rank
PE 9.78
Fwd PE 11.23
P/S 2.64
P/FCF 10.26
P/OCF 10.19
P/B 1.08
P/tB 1.41
EV/EBITDA 3.48
EPS(TTM)1.93
EY10.23%
EPS(NY)1.68
Fwd EY8.9%
FCF(TTM)1.84
FCFY9.75%
OCF(TTM)1.85
OCFY9.81%
SpS7.15
BVpS17.42
TBVpS13.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.5
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROCE 25.46%
ROIC 2.58%
ROICexc 2.64%
ROICexgc 2.78%
OM 65.7%
PM (TTM) 27.35%
GM N/A
FCFM 25.72%
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
ROICexc(3y)2.05%
ROICexc(5y)1.57%
ROICexgc(3y)2.15%
ROICexgc(5y)1.64%
ROCE(3y)20.26%
ROCE(5y)15.75%
ROICexgc growth 3Y33.61%
ROICexgc growth 5YN/A
ROICexc growth 3Y32.92%
ROICexc growth 5YN/A
OM growth 3Y20.25%
OM growth 5YN/A
PM growth 3Y17.51%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score8
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-Score8
WACC3.89%
ROIC/WACC0.66
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
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)26.48%
Revenue growth 3Y34.11%
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 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y235.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y229.3%
OCF growth 3YN/A
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 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 7 / 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.