CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis
USA - NASDAQ:BCAL - US84252A1060 - Common Stock
18.89 USD
-0.02 (-0.11%)
18.89 USD
0 (0%)
Overall BCAL gets a fundamental rating of 5 out of 10. We evaluated BCAL against 390 industry peers in the Banks industry. There are concerns on the financial health of BCAL while its profitability can be described as average. BCAL has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
In the past year BCAL was profitable.
BCAL had a positive operating cash flow in the past year.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.79%, BCAL is in line with its industry, outperforming 44.87% of the companies in the same industry.
The Return On Equity of BCAL (5.71%) is worse than 72.05% of its industry peers.
BCAL's Return On Invested Capital of 2.17% is amongst the best of the industry. BCAL outperforms 99.49% 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 2.46%.
The last Return On Invested Capital (2.17%) for BCAL is above the 3 year average (1.52%), which is a sign of increasing profitability.
| 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's Profit Margin of 13.66% is on the low side compared to the rest of the industry. BCAL is outperformed by 77.69% of its industry peers.
BCAL's Profit Margin has declined in the last couple of years.
BCAL has a Operating Margin of 54.68%. 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 | 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.
BCAL has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -0.67, we must say that BCAL is in the distress zone and has some risk of bankruptcy.
BCAL's Altman-Z score of -0.67 is amongst the best of the industry. BCAL outperforms 98.97% of its industry peers.
BCAL has a debt to FCF ratio of 54.39. This is a negative value and a sign of low solvency as BCAL would need 54.39 years to pay back of 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 84.36% 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.
With a Debt to Equity ratio value of 6.15, BCAL is not doing good in the industry: 96.92% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.15 | ||
| Debt/FCF | 54.39 | ||
| Altman-Z | -0.67 |
ROIC/WACC0.55
WACC3.92%
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 99.23% of the companies in the same industry.
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.
BCAL has a Quick ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.23% of its industry peers.
| 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.
The earnings per share for BCAL have been decreasing by -28.36% on average. This is quite bad
BCAL shows a strong growth in Revenue. In the last year, 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
Based on estimates for the next years, BCAL will show a very strong growth in Earnings Per Share. The EPS will grow by 36.38% on average per year.
BCAL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 13.74% yearly.
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
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
BCAL is valuated reasonably with a Price/Earnings ratio of 9.74.
Based on the Price/Earnings ratio, BCAL is valued a bit cheaper than 75.64% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.67, BCAL is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.64, the valuation of BCAL can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (31.86), we can say BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.74 | ||
| Fwd PE | 10.64 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, BCAL is valued cheaper than 99.74% of the companies in the same industry.
BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 67.18% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.93 | ||
| EV/EBITDA | 4.46 |
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.
BCAL's earnings are expected to grow with 36.38% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.06
PEG (5Y)N/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
5. Dividend
5.1 Amount
No dividends for BCAL!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
18.89
-0.02 (-0.11%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners57.67%
Inst Owner Change-0.29%
Ins Owners24.1%
Ins Owner Change0.03%
Market Cap614.30M
Revenue(TTM)231.84M
Net Income(TTM)31.26M
Analysts84.44
Price Target19.38 (2.59%)
Short Float %1.55%
Short Ratio3.6
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)1.79%
PT rev (3m)7.55%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.84%
EPS NY rev (1m)-0.06%
EPS NY rev (3m)0.04%
Revenue NQ rev (1m)-0.05%
Revenue NQ rev (3m)-1.12%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)-1.9%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.74 | ||
| Fwd PE | 10.64 | ||
| P/S | 2.69 | ||
| P/FCF | 9.93 | ||
| P/OCF | 9.85 | ||
| P/B | 1.12 | ||
| P/tB | 1.48 | ||
| EV/EBITDA | 4.46 |
EPS(TTM)1.94
EY10.27%
EPS(NY)1.78
Fwd EY9.4%
FCF(TTM)1.9
FCFY10.07%
OCF(TTM)1.92
OCFY10.15%
SpS7.04
BVpS16.84
TBVpS12.8
PEG (NY)0.06
PEG (5Y)N/A
Graham Number27.11
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
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-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 | -0.67 |
F-Score8
WACC3.92%
ROIC/WACC0.55
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 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
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 4 / 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 9.74 and the Price/Book (PB) ratio is 1.12.