CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation
NASDAQ:BCAL • US84252A1060
Current stock price
17.76 USD
-0.08 (-0.45%)
At close:
17.76 USD
0 (0%)
After Hours:
This BCAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. BCAL Profitability Analysis
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 each of the past 5 years.
- BCAL had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- BCAL has a Return On Assets of 1.56%. This is amongst the best in the industry. BCAL outperforms 88.16% of its industry peers.
- Looking at the Return On Equity, with a value of 10.94%, BCAL is in the better half of the industry, outperforming 69.74% of the companies in the same industry.
- BCAL has a Return On Invested Capital of 2.55%. This is amongst the best in the industry. BCAL outperforms 99.47% 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 2.65%.
- The last Return On Invested Capital (2.55%) for BCAL is above the 3 year average (2.02%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.56% | ||
| ROE | 10.94% | ||
| ROIC | 2.55% |
ROA(3y)0.93%
ROA(5y)0.8%
ROE(3y)7%
ROE(5y)6.3%
ROIC(3y)2.02%
ROIC(5y)1.55%
1.3 Margins
- With a decent Profit Margin value of 27.83%, BCAL is doing good in the industry, outperforming 63.68% of the companies in the same industry.
- In the last couple of years the Profit Margin of BCAL has grown nicely.
- With an excellent Operating Margin value of 65.24%, BCAL belongs to the best of the industry, outperforming 99.47% of the companies in the same industry.
- In the last couple of years the Operating Margin of BCAL has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 65.24% | ||
| PM (TTM) | 27.83% | ||
| 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
2. BCAL Health Analysis
2.1 Basic Checks
- BCAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
- The number of shares outstanding for BCAL has been increased compared to 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 -0.67. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of BCAL (-0.67) is better than 98.68% of its industry peers.
- BCAL has a debt to FCF ratio of 59.79. This is a negative value and a sign of low solvency as BCAL would need 59.79 years to pay back of all of its debts.
- Looking at the Debt to FCF ratio, with a value of 59.79, BCAL is doing worse than 86.05% of the companies in the same industry.
- BCAL has a Debt/Equity ratio of 5.90. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of BCAL (5.90) is worse than 96.58% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.9 | ||
| Debt/FCF | 59.79 | ||
| Altman-Z | -0.67 |
ROIC/WACC0.78
WACC3.28%
2.3 Liquidity
- A Current Ratio of 0.03 indicates that BCAL may have some problems paying its short term obligations.
- With an excellent Current ratio value of 0.03, BCAL belongs to the best of the industry, outperforming 98.95% of the companies in the same industry.
- A Quick Ratio of 0.03 indicates that BCAL may have some problems paying its short term obligations.
- BCAL's Quick ratio of 0.03 is amongst the best of the industry. BCAL outperforms 98.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 |
3. BCAL Growth Analysis
3.1 Past
- BCAL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 164.38%, which is quite impressive.
- BCAL shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.86% yearly.
- The Revenue has grown by 26.48% in the past year. This is a very strong growth!
- Measured over the past years, BCAL shows a very strong growth in Revenue. The Revenue has been growing by 34.11% on average per year.
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
- The Earnings Per Share is expected to decrease by -2.54% on average over the next years.
- Based on estimates for the next years, BCAL will show a small growth in Revenue. The Revenue will grow by 3.91% on average per year.
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
Revenue Next 2Y3.91%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. BCAL Valuation Analysis
4.1 Price/Earnings Ratio
- A Price/Earnings ratio of 9.20 indicates a reasonable valuation of BCAL.
- 86.32% of the companies in the same industry are more expensive than BCAL, based on the Price/Earnings ratio.
- Compared to an average S&P500 Price/Earnings ratio of 25.60, BCAL is valued rather cheaply.
- A Price/Forward Earnings ratio of 10.57 indicates a reasonable 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.
- When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (22.84), we can say BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.2 | ||
| Fwd PE | 10.57 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BCAL indicates a rather cheap valuation: BCAL is cheaper than 99.21% of the companies listed in the same industry.
- 67.37% of the companies in the same industry are more expensive than BCAL, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.08 | ||
| EV/EBITDA | 3.62 |
4.3 Compensation for Growth
- The decent profitability rating of BCAL may justify a higher PE ratio.
- A cheap valuation may be justified as BCAL's earnings are expected to decrease with -2.54% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-2.54%
EPS Next 3YN/A
5. BCAL Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.28%, BCAL has a reasonable but not impressive dividend return.
- BCAL's Dividend Yield is slightly below the industry average, which is at 2.66.
- Compared to an average S&P500 Dividend Yield of 1.88, BCAL pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
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
- 5.16% of the earnings are spent on dividend by BCAL. This is a low number and sustainable payout ratio.
DP5.16%
EPS Next 2Y-2.54%
EPS Next 3YN/A
BCAL Fundamentals: All Metrics, Ratios and Statistics
17.76
-0.08 (-0.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28 2026-01-28/bmo
Earnings (Next)04-23 2026-04-23
Inst Owners64.36%
Inst Owner Change4.28%
Ins Owners23.3%
Ins Owner Change-0.88%
Market Cap574.18M
Revenue(TTM)226.56M
Net Income(TTM)63.06M
Analysts84.44
Price Target21.93 (23.48%)
Short Float %1.81%
Short Ratio1.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.28% |
Yearly Dividend0.1
Dividend Growth(5Y)N/A
DP5.16%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.62%
Min EPS beat(2)13.3%
Max EPS beat(2)19.95%
EPS beat(4)4
Avg EPS beat(4)16.09%
Min EPS beat(4)3.66%
Max EPS beat(4)27.45%
EPS beat(8)6
Avg EPS beat(8)8.63%
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)0.5%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)1.07%
Revenue beat(4)1
Avg Revenue beat(4)-1.03%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)1.07%
Revenue beat(8)1
Avg Revenue beat(8)-2.82%
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)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-3.71%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0.04%
Revenue NQ rev (3m)-2.45%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)-2.24%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.2 | ||
| Fwd PE | 10.57 | ||
| P/S | 2.53 | ||
| P/FCF | 10.08 | ||
| P/OCF | 10.02 | ||
| P/B | 1 | ||
| P/tB | 1.28 | ||
| EV/EBITDA | 3.62 |
EPS(TTM)1.93
EY10.87%
EPS(NY)1.68
Fwd EY9.46%
FCF(TTM)1.76
FCFY9.92%
OCF(TTM)1.77
OCFY9.98%
SpS7.01
BVpS17.83
TBVpS13.83
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.83
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.56% | ||
| ROE | 10.94% | ||
| ROCE | 24.21% | ||
| ROIC | 2.55% | ||
| ROICexc | 2.59% | ||
| ROICexgc | 2.72% | ||
| OM | 65.24% | ||
| PM (TTM) | 27.83% | ||
| GM | N/A | ||
| FCFM | 25.13% |
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-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 5.9 | ||
| Debt/FCF | 59.79 | ||
| Debt/EBITDA | 22.19 | ||
| Cap/Depr | 6.16% | ||
| Cap/Sales | 0.15% | ||
| Interest Coverage | 2.53 | ||
| Cash Conversion | 37.34% | ||
| Profit Quality | 90.3% | ||
| Current Ratio | 0.03 | ||
| Quick Ratio | 0.03 | ||
| Altman-Z | -0.67 |
F-Score7
WACC3.28%
ROIC/WACC0.78
Cap/Depr(3y)12.36%
Cap/Depr(5y)38.57%
Cap/Sales(3y)0.24%
Cap/Sales(5y)0.88%
Profit Quality(3y)377.47%
Profit Quality(5y)275.14%
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 Year1.22%
Revenue Next 2Y3.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y70.64%
EBIT growth 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.48%
FCF growth 3Y66.8%
FCF growth 5YN/A
OCF growth 1Y13.91%
OCF growth 3Y62.5%
OCF growth 5YN/A
CALIFORNIA BANCORP / BCAL Fundamental Analysis 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.
What is the profitability of BCAL stock?
CALIFORNIA BANCORP (BCAL) has a profitability rating of 7 / 10.
Can you provide the financial health for BCAL stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.
Can you provide the dividend sustainability for BCAL stock?
The dividend rating of CALIFORNIA BANCORP (BCAL) is 3 / 10 and the dividend payout ratio is 5.16%.