CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis
USA - NASDAQ:BCAL - US84252A1060 - Common Stock
17.15 USD
-0.03 (-0.17%)
17.15 USD
0 (0%)
Taking everything into account, BCAL scores 5 out of 10 in our fundamental rating. BCAL was compared to 392 industry peers in the Banks industry. BCAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. BCAL is evaluated to be cheap and growing strongly. This does not happen too often!
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
BCAL has a Return On Assets (0.79%) which is in line with its industry peers.
With a Return On Equity value of 5.71%, BCAL is not doing good in the industry: 71.17% of the companies in the same industry are doing better.
BCAL's Return On Invested Capital of 2.17% is amongst the best of the industry. BCAL outperforms 99.49% of its industry peers.
The Average Return On Invested Capital over the past 3 years for BCAL is in line with the industry average of 2.46%.
The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.17%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.71% | ||
| ROIC | 2.17% |
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 worse Profit Margin (13.66%) than 76.53% of its industry peers.
BCAL's Profit Margin has declined in the last couple of years.
Looking at the Operating Margin, with a value of 54.68%, 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 54.68% | ||
| PM (TTM) | 13.66% | ||
| 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 more shares outstanding than it did 1 year ago.
The debt/assets ratio for BCAL has been reduced compared to a year ago.
2.2 Solvency
BCAL has an Altman-Z score of -0.68. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
BCAL has a Altman-Z score of -0.68. This is amongst the best in the industry. BCAL outperforms 98.98% of its industry peers.
The Debt to FCF ratio of BCAL is 54.39, which is on the high side as it means it would take BCAL, 54.39 years of fcf income to pay off all of its debts.
BCAL's Debt to FCF ratio of 54.39 is on the low side compared to the rest of the industry. BCAL is outperformed by 82.40% of its industry peers.
A Debt/Equity ratio of 6.15 is on the high side and indicates that BCAL has dependencies on debt financing.
BCAL's Debt to Equity ratio of 6.15 is on the low side compared to the rest of the industry. BCAL is outperformed by 96.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Altman-Z | -0.68 |
ROIC/WACC0.59
WACC3.7%
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.
The Current ratio of BCAL (0.04) is better than 99.23% of its industry peers.
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.
Looking at the Quick ratio, with a value of 0.04, BCAL belongs to the top of the industry, outperforming 99.23% of the companies in the same industry.
| 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 63.95% over the past year.
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.
BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 80.83%.
BCAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.61% yearly.
EPS 1Y (TTM)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
3.2 Future
BCAL is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 50.42% yearly.
BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 18.55% yearly.
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
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.
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.16 indicates a correct valuation of BCAL.
BCAL's Price/Earnings is on the same level as the industry average.
When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (27.20), we can say BCAL is valued rather cheaply.
The Price/Forward Earnings ratio is 10.38, which indicates a very decent valuation of BCAL.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.71.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.16 | ||
| Fwd PE | 10.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BCAL is valued cheaply inside the industry as 99.74% of the companies are valued more expensively.
Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 75.77% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.01 | ||
| EV/EBITDA | 4.03 |
4.3 Compensation for Growth
The 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 50.42% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.09
PEG (5Y)N/A
EPS Next 2Y50.42%
EPS Next 3YN/A
5. Dividend
5.1 Amount
BCAL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
17.15
-0.03 (-0.17%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners56.74%
Inst Owner Change0.68%
Ins Owners24.17%
Ins Owner Change-0.33%
Market Cap557.72M
Analysts80
Price Target19.04 (11.02%)
Short Float %1.35%
Short Ratio2.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)15.56%
Min EPS beat(2)3.66%
Max EPS beat(2)27.45%
EPS beat(4)4
Avg EPS beat(4)33.05%
Min EPS beat(4)3.66%
Max EPS beat(4)87.43%
EPS beat(8)4
Avg EPS beat(8)0.77%
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)0
Avg Revenue beat(2)-2.56%
Min Revenue beat(2)-3.08%
Max Revenue beat(2)-2.03%
Revenue beat(4)0
Avg Revenue beat(4)-4.17%
Min Revenue beat(4)-8.89%
Max Revenue beat(4)-2.03%
Revenue beat(8)0
Avg Revenue beat(8)-4.74%
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)5.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.68%
EPS NY rev (1m)0.1%
EPS NY rev (3m)0.76%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.89%
Revenue NY rev (1m)-1.81%
Revenue NY rev (3m)-1.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.16 | ||
| Fwd PE | 10.38 | ||
| P/S | 2.44 | ||
| P/FCF | 9.01 | ||
| P/OCF | 8.95 | ||
| P/B | 1.02 | ||
| P/tB | 1.34 | ||
| EV/EBITDA | 4.03 |
EPS(TTM)1.41
EY8.22%
EPS(NY)1.65
Fwd EY9.63%
FCF(TTM)1.9
FCFY11.09%
OCF(TTM)1.92
OCFY11.18%
SpS7.04
BVpS16.84
TBVpS12.8
PEG (NY)0.09
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.79% | ||
| ROE | 5.71% | ||
| ROCE | 20.83% | ||
| ROIC | 2.17% | ||
| ROICexc | 2.22% | ||
| ROICexgc | 2.34% | ||
| OM | 54.68% | ||
| PM (TTM) | 13.66% | ||
| GM | N/A | ||
| FCFM | 27.04% |
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
ROICexcg growth 3Y37.36%
ROICexcg 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-Score8
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Debt/EBITDA | 25.73 | ||
| Cap/Depr | 8.18% | ||
| Cap/Sales | 0.2% | ||
| Interest Coverage | 2.01 | ||
| Cash Conversion | 47.67% | ||
| Profit Quality | 197.92% | ||
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 | ||
| Altman-Z | -0.68 |
F-Score8
WACC3.7%
ROIC/WACC0.59
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)63.95%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%4200%
EPS Next Y141.54%
EPS Next 2Y50.42%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)80.83%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%99.64%
Revenue Next Year36.86%
Revenue Next 2Y18.56%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y81.16%
EBIT growth 3Y65.06%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y60.29%
FCF growth 3Y40.59%
FCF growth 5YN/A
OCF growth 1Y59.14%
OCF growth 3Y36.79%
OCF growth 5YN/A