18.88 USD
-0.16 (-0.84%)
Taking everything into account, BCAL scores 5 out of 10 in our fundamental rating. BCAL was compared to 388 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
BCAL had positive earnings in the past year.
In the past year BCAL had a positive cash flow from operations.
1.2 Ratios
With an excellent Return On Assets value of 1.55%, BCAL belongs to the best of the industry, outperforming 88.40% of the companies in the same industry.
With a decent Return On Equity value of 11.23%, BCAL is doing good in the industry, outperforming 76.80% of the companies in the same industry.
BCAL has a better Return On Invested Capital (2.55%) than 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 last Return On Invested Capital (2.55%) for BCAL is above the 3 year average (1.52%), which is a sign of increasing profitability.
| 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 67.78% of its industry peers.
BCAL's Profit Margin has declined in the last couple of years.
The Operating Margin of BCAL (65.70%) is better than 99.74% of its industry peers.
BCAL's Operating Margin has improved in the last couple of years.
| 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
BCAL has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, BCAL has more shares outstanding
Compared to 1 year ago, BCAL has an improved debt to assets ratio.
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 better Altman-Z score (-0.66) 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.
BCAL has a Debt to FCF ratio of 58.59. This is amonst the worse of the industry: BCAL underperforms 84.79% 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.
The Debt to Equity ratio of BCAL (6.19) is worse than 96.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.65
WACC3.91%
2.3 Liquidity
A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
BCAL's Current ratio of 0.04 is amongst the best of the industry. BCAL outperforms 99.23% of its industry peers.
A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
BCAL's Quick ratio of 0.04 is amongst the best of 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
The Revenue has grown by 55.36% 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 37.61% on average per year.
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 Year38.67%
Revenue Next 2Y19.68%
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
A Price/Earnings ratio of 9.73 indicates a reasonable valuation of BCAL.
84.28% of the companies in the same industry are more expensive than BCAL, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.57. BCAL is valued rather cheaply when compared to this.
BCAL is valuated reasonably with a Price/Forward Earnings ratio of 10.63.
BCAL's Price/Forward Earnings is on the same level as the industry average.
BCAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.04, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.73 | ||
| Fwd PE | 10.63 |
4.2 Price Multiples
BCAL's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. BCAL is 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 64.95% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.27 | ||
| EV/EBITDA | 3.52 |
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
With a Yearly Dividend Yield of 2.02%, BCAL has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 2.74, BCAL is paying slightly less dividend.
BCAL's Dividend Yield is comparable with the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
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%
NASDAQ:BCAL (12/26/2025, 8:00:00 PM)
18.88
-0.16 (-0.84%)
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 Cap612.47M
Revenue(TTM)231.84M
Net Income(TTM)63.41M
Analysts84.44
Price TargetN/A
Short Float %1.34%
Short Ratio1.89
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.02% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)10.53%
PT rev (3m)12.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.08%
EPS NY rev (1m)0%
EPS NY rev (3m)6.83%
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 | 9.73 | ||
| Fwd PE | 10.63 | ||
| P/S | 2.64 | ||
| P/FCF | 10.27 | ||
| P/OCF | 10.21 | ||
| P/B | 1.08 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | 3.52 |
EPS(TTM)1.94
EY10.28%
EPS(NY)1.78
Fwd EY9.41%
FCF(TTM)1.84
FCFY9.73%
OCF(TTM)1.85
OCFY9.8%
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
WACC3.91%
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 Year38.67%
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.
Can you provide the valuation status for CALIFORNIA BANCORP?
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 is the valuation of CALIFORNIA BANCORP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.73 and the Price/Book (PB) ratio is 1.08.