CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation

NASDAQ:BCAL • US84252A1060

Current stock price

17.52 USD
-0.02 (-0.11%)
At close:
17.52 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.

7

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.
  • Each year in the past 5 years BCAL has been profitable.
  • Of the past 5 years BCAL 4 years had a positive operating cash flow.
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

  • BCAL has a Return On Assets of 1.55%. This is amongst the best in the industry. BCAL outperforms 87.93% of its industry peers.
  • BCAL has a Return On Equity of 11.23%. This is in the better half of the industry: BCAL outperforms 75.59% of its industry peers.
  • With an excellent Return On Invested Capital value of 2.58%, BCAL belongs to the best of the industry, outperforming 99.21% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for BCAL is in line with the industry average of 2.74%.
  • The last Return On Invested Capital (2.58%) for BCAL is above the 3 year average (2.02%), which is a sign of increasing profitability.
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

  • The Profit Margin of BCAL (27.35%) is better than 63.52% of its industry peers.
  • In the last couple of years the Profit Margin of BCAL has grown nicely.
  • BCAL has a Operating Margin of 65.70%. This is amongst the best in the industry. BCAL outperforms 99.48% of its industry peers.
  • 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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3

2. BCAL Health Analysis

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.
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 -0.67. 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 -0.67. This is amongst the best in the industry. BCAL outperforms 98.69% 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.
  • The Debt to FCF ratio of BCAL (58.59) is worse than 85.30% 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.
  • With a Debt to Equity ratio value of 6.19, BCAL is not doing good in the industry: 96.85% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.67
ROIC/WACC0.68
WACC3.78%
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

  • 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.
  • BCAL's Current ratio of 0.04 is amongst the best of the industry. BCAL outperforms 99.21% 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 99.21% of the companies in the same industry.
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. BCAL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 164.38% over the past year.
  • Measured over the past years, BCAL shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.86% on average per year.
  • BCAL shows a strong growth in Revenue. In the last year, the Revenue has grown by 26.48%.
  • The Revenue has been growing by 34.11% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, BCAL will show a decrease in Earnings Per Share. The EPS will decrease by -2.54% on average per year.
  • Based on estimates for the next years, BCAL will show a small growth in Revenue. The Revenue will grow by 3.67% on average per year.
EPS Next Y-12.94%
EPS Next 2Y-2.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.05%
Revenue Next 2Y3.67%
Revenue Next 3YN/A
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 decreasing.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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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6

4. BCAL Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.08, the valuation of BCAL can be described as reasonable.
  • Based on the Price/Earnings ratio, BCAL is valued cheaper than 84.51% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 25.70. BCAL is valued rather cheaply when compared to this.
  • BCAL is valuated reasonably with a Price/Forward Earnings ratio of 10.43.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
  • BCAL's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.84.
Industry RankSector Rank
PE 9.08
Fwd PE 10.43
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

  • Based on the Enterprise Value to EBITDA ratio, BCAL is valued 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 69.55% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 9.53
EV/EBITDA 3.21
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

2

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 2.86.
  • Compared to an average S&P500 Dividend Yield of 1.82, BCAL pays a bit more dividend than the S&P500 average.
Industry RankSector 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
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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BCAL Fundamentals: All Metrics, Ratios and Statistics

CALIFORNIA BANCORP

NASDAQ:BCAL (3/13/2026, 8:11:09 PM)

After market: 17.52 0 (0%)

17.52

-0.02 (-0.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners64.36%
Inst Owner Change4.28%
Ins Owners23.3%
Ins Owner Change-0.87%
Market Cap568.00M
Revenue(TTM)226.56M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (25.17%)
Short Float %1.66%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.28%
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)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.41%
Valuation
Industry RankSector Rank
PE 9.08
Fwd PE 10.43
P/S 2.45
P/FCF 9.53
P/OCF 9.46
P/B 1.01
P/tB 1.31
EV/EBITDA 3.21
EPS(TTM)1.93
EY11.02%
EPS(NY)1.68
Fwd EY9.59%
FCF(TTM)1.84
FCFY10.5%
OCF(TTM)1.85
OCFY10.57%
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 -0.67
F-Score8
WACC3.78%
ROIC/WACC0.68
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 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.


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 9.08 and the Price/Book (PB) ratio is 1.01.


What is the financial health of CALIFORNIA BANCORP (BCAL) stock?

The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.