19.38 USD
-0.12 (-0.62%)
19.38 USD
0 (0%)
Taking everything into account, BCAL scores 5 out of 10 in our fundamental rating. BCAL was compared to 387 industry peers in the Banks industry. There are concerns on the financial health of BCAL while its profitability can be described as average. An interesting combination arises when we look at growth and value: BCAL is growing strongly while it also seems undervalued.
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's Return On Assets of 1.55% is amongst the best of the industry. BCAL outperforms 88.89% of its industry peers.
Looking at the Return On Equity, with a value of 11.23%, BCAL is in the better half of the industry, outperforming 77.00% 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 99.48% 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 2.62%.
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
BCAL has a Profit Margin of 27.35%. This is in the better half of the industry: BCAL outperforms 68.99% of its industry peers.
In the last couple of years the Profit Margin of BCAL has declined.
BCAL has a better Operating Margin (65.70%) than 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
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.
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.
BCAL has a Altman-Z score of -0.66. This is amongst the best in the industry. BCAL outperforms 98.97% 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.
BCAL has a worse Debt to FCF ratio (58.59) than 84.75% 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.
BCAL has a Debt to Equity ratio of 6.19. This is amonst the worse of the industry: BCAL underperforms 96.90% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.65
WACC3.95%
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.
With an excellent Current ratio value of 0.04, BCAL belongs to the best 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.
With an excellent Quick ratio value of 0.04, BCAL belongs to the best of the industry, outperforming 99.22% 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.
BCAL shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -28.36% yearly.
Looking at the last year, BCAL shows a very strong growth in Revenue. The Revenue has grown by 55.36%.
BCAL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 37.61% yearly.
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.
The Revenue is expected to grow by 13.74% on average over the next years. This is quite good.
EPS Next Y158.03%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year38.02%
Revenue Next 2Y19.11%
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.
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
With a Price/Earnings ratio of 9.99, the valuation of BCAL can be described as very reasonable.
BCAL's Price/Earnings ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 76.23% 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 26.15.
BCAL is valuated reasonably with a Price/Forward Earnings ratio of 10.91.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 36.12, BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 10.91 |
4.2 Price Multiples
BCAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BCAL is cheaper than 99.74% of the companies in the same industry.
Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 60.72% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.57 | ||
| EV/EBITDA | 3.59 |
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 does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
19.38
-0.12 (-0.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.67%
Inst Owner Change1.02%
Ins Owners24.1%
Ins Owner Change-0.29%
Market Cap630.24M
Revenue(TTM)231.84M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.42 (10.53%)
Short Float %1.53%
Short Ratio2.55
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)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)12.5%
PT rev (3m)12.5%
EPS NQ rev (1m)11.51%
EPS NQ rev (3m)9.08%
EPS NY rev (1m)6.89%
EPS NY rev (3m)6.83%
Revenue NQ rev (1m)2.66%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0.93%
Revenue NY rev (3m)0.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.99 | ||
| Fwd PE | 10.91 | ||
| P/S | 2.72 | ||
| P/FCF | 10.57 | ||
| P/OCF | 10.5 | ||
| P/B | 1.12 | ||
| P/tB | 1.45 | ||
| EV/EBITDA | 3.59 |
EPS(TTM)1.94
EY10.01%
EPS(NY)1.78
Fwd EY9.16%
FCF(TTM)1.83
FCFY9.46%
OCF(TTM)1.85
OCFY9.52%
SpS7.13
BVpS17.37
TBVpS13.36
PEG (NY)0.06
PEG (5Y)N/A
Graham Number27.53
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
WACC3.95%
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 Y158.03%
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 Year38.02%
Revenue Next 2Y19.11%
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.
Can you provide the valuation status for CALIFORNIA BANCORP?
ChartMill assigns a valuation rating of 7 / 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 is the valuation of CALIFORNIA BANCORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.99 and the Price/Book (PB) ratio is 1.12.