18.67 USD
-0.22 (-1.16%)
18.67 USD
0 (0%)
Overall BCAL gets a fundamental rating of 5 out of 10. We evaluated BCAL against 388 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
In the past year BCAL was profitable.
In the past year BCAL had a positive cash flow from operations.
1.2 Ratios
BCAL has a better Return On Assets (1.55%) than 88.40% of its industry peers.
The Return On Equity of BCAL (11.23%) is better than 77.32% of its industry peers.
BCAL's Return On Invested Capital of 2.55% is amongst the best of the industry. BCAL outperforms 99.48% of its industry peers.
BCAL had an Average Return On Invested Capital over the past 3 years of 1.52%. This is in line with the industry average of 2.62%.
The 3 year average ROIC (1.52%) for BCAL is below the current ROIC(2.55%), indicating increased profibility in the last year.
| 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
The Profit Margin of BCAL (27.35%) is better than 67.27% of its industry peers.
BCAL's Profit Margin has declined in the last couple of years.
BCAL has a Operating Margin of 65.70%. This is amongst the best in the industry. BCAL outperforms 99.74% of its industry peers.
In the last couple of years the Operating Margin of BCAL has grown nicely.
| 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.
BCAL has more shares outstanding than it did 1 year ago.
BCAL has a better debt/assets ratio than last year.
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.
The Altman-Z score of BCAL (-0.66) is better than 98.97% of its industry peers.
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.
Looking at the Debt to FCF ratio, with a value of 58.59, BCAL is doing worse than 85.05% of the companies in the same industry.
BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BCAL (6.19) is worse than 96.13% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.65
WACC3.9%
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 99.23% 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.
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
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.
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.
Looking at the last year, BCAL shows a very strong growth in Revenue. The Revenue has grown by 55.36%.
The Revenue has been growing by 37.61% on average over the past years. This is a very strong growth!
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
The Earnings Per Share is expected to grow by 36.38% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 13.74% on average over the next years. This is quite good.
EPS Next Y159.61%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year38.67%
Revenue Next 2Y19.68%
Revenue Next 3Y13.74%
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
BCAL is valuated reasonably with a Price/Earnings ratio of 9.62.
BCAL's Price/Earnings ratio is rather cheap when compared to the industry. BCAL is cheaper than 84.54% of the companies in the same industry.
BCAL is valuated cheaply when we compare the Price/Earnings ratio to 26.51, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 10.51, the valuation of BCAL can be described as reasonable.
BCAL's Price/Forward Earnings ratio is in line with the industry average.
When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (23.13), we can say BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 10.51 |
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 100.00% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 63.40% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.16 | ||
| EV/EBITDA | 3.44 |
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 2.10%. Purely for dividend investing, there may be better candidates out there.
BCAL's Dividend Yield is slightly below the industry average, which is at 2.74.
BCAL's Dividend Yield is comparable with the S&P500 average which is at 2.00.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
5.2 History
BCAL is new to the dividend game and has less than 3 years of track record.
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%
18.67
-0.22 (-1.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.83%
Inst Owner Change1.02%
Ins Owners24.16%
Ins Owner Change-5.65%
Market Cap605.65M
Revenue(TTM)231.84M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.42 (14.73%)
Short Float %1.27%
Short Ratio1.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.1% |
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)12.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.08%
EPS NY rev (1m)0.61%
EPS NY rev (3m)7.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0.47%
Revenue NY rev (3m)1.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.62 | ||
| Fwd PE | 10.51 | ||
| P/S | 2.61 | ||
| P/FCF | 10.16 | ||
| P/OCF | 10.09 | ||
| P/B | 1.07 | ||
| P/tB | 1.39 | ||
| EV/EBITDA | 3.44 |
EPS(TTM)1.94
EY10.39%
EPS(NY)1.78
Fwd EY9.51%
FCF(TTM)1.84
FCFY9.84%
OCF(TTM)1.85
OCFY9.91%
SpS7.15
BVpS17.41
TBVpS13.39
PEG (NY)0.06
PEG (5Y)N/A
Graham Number27.57
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC3.9%
ROIC/WACC0.65
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)321.74%
EPS 3Y-28.36%
EPS 5YN/A
EPS Q2Q%1060%
EPS Next Y159.61%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue 1Y (TTM)55.36%
Revenue growth 3Y37.61%
Revenue growth 5YN/A
Sales Q2Q%18.54%
Revenue Next Year38.67%
Revenue Next 2Y19.68%
Revenue Next 3Y13.74%
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 9.62 and the Price/Book (PB) ratio is 1.07.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.