CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation

NASDAQ:BCAL • US84252A1060

Current stock price

18.69 USD
+0.09 (+0.48%)
At close:
18.61 USD
-0.08 (-0.43%)
Pre-Market:

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.
  • BCAL had a positive operating cash flow in the past year.
  • Each year in the past 5 years BCAL has been profitable.
  • In the past 5 years BCAL always reported a positive cash flow from operatings.
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

  • Looking at the Return On Assets, with a value of 1.56%, BCAL belongs to the top of the industry, outperforming 88.56% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 10.94%, BCAL is in the better half of the industry, outperforming 68.09% of the companies in the same industry.
  • BCAL has a better Return On Invested Capital (2.55%) than 99.47% of its industry peers.
  • BCAL had an Average Return On Invested Capital over the past 3 years of 2.02%. This is in line with the industry average of 2.74%.
  • The 3 year average ROIC (2.02%) for BCAL is below the current ROIC(2.55%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.56%
ROE 10.94%
ROIC 2.55%
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

  • Looking at the Profit Margin, with a value of 27.83%, BCAL is in the better half of the industry, outperforming 62.23% of the companies in the same industry.
  • BCAL's Profit Margin has improved in the last couple of years.
  • The Operating Margin of BCAL (65.24%) is better than 99.47% of its industry peers.
  • BCAL's Operating Margin has improved in the last couple of years.
Industry RankSector Rank
OM 65.24%
PM (TTM) 27.83%
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.
  • Compared to 1 year ago, BCAL has more shares outstanding
  • The debt/assets ratio for BCAL has been reduced compared to a year ago.
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

  • 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 98.94% of its industry peers.
  • The Debt to FCF ratio of BCAL is 59.79, which is on the high side as it means it would take BCAL, 59.79 years of fcf income to pay off all of its debts.
  • BCAL has a Debt to FCF ratio of 59.79. This is amonst the worse of the industry: BCAL underperforms 88.03% of its industry peers.
  • A Debt/Equity ratio of 5.90 is on the high side and indicates that BCAL has dependencies on debt financing.
  • BCAL has a Debt to Equity ratio of 5.90. This is amonst the worse of the industry: BCAL underperforms 96.81% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.9
Debt/FCF 59.79
Altman-Z -0.66
ROIC/WACC0.75
WACC3.39%
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 0.03. This is a bad value and indicates that BCAL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • The Current ratio of BCAL (0.03) is better than 98.94% of its industry peers.
  • BCAL has a Quick Ratio of 0.03. 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 0.03. This is amongst the best in the industry. BCAL outperforms 98.94% of its industry peers.
Industry RankSector Rank
Current Ratio 0.03
Quick Ratio 0.03
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

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

  • The Earnings Per Share is expected to decrease by -1.83% on average over the next years.
  • The Revenue is expected to grow by 3.91% on average over the next years.
EPS Next Y-13.47%
EPS Next 2Y-1.83%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year1.22%
Revenue Next 2Y3.91%
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 9.68, the valuation of BCAL can be described as reasonable.
  • Based on the Price/Earnings ratio, BCAL is valued cheaper than 81.91% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (26.77), we can say BCAL is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 11.19, the valuation of BCAL can be described as reasonable.
  • BCAL's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. BCAL is more expensive than 63.03% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BCAL to the average of the S&P500 Index (21.75), we can say BCAL is valued slightly cheaper.
Industry RankSector Rank
PE 9.68
Fwd PE 11.19
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 cheaply inside the industry as 99.20% of the companies are valued more expensively.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCAL indicates a somewhat cheap valuation: BCAL is cheaper than 67.82% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.61
EV/EBITDA 3.82
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • BCAL has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-1.83%
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

  • BCAL has a Yearly Dividend Yield of 2.15%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.55, BCAL is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, BCAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.15%

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 Years1
BCAL Yearly Dividends per shareBCAL Yearly Dividends per shareYearly Dividends per share 2025 2026 0.02 0.04 0.06 0.08

5.3 Sustainability

  • 5.16% of the earnings are spent on dividend by BCAL. This is a low number and sustainable payout ratio.
DP5.16%
EPS Next 2Y-1.83%
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
BCAL Dividend Payout.BCAL Dividend Payout, showing the Payout Ratio.BCAL Dividend Payout.PayoutRetained Earnings

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BCAL Fundamentals: All Metrics, Ratios and Statistics

CALIFORNIA BANCORP

NASDAQ:BCAL (4/30/2026, 8:00:02 PM)

Premarket: 18.61 -0.08 (-0.43%)

18.69

+0.09 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry Strength69.57
Industry Growth91.93
Earnings (Last)04-27
Earnings (Next)07-27
Inst Owners64.8%
Inst Owner Change0.01%
Ins Owners23.89%
Ins Owner Change-1.08%
Market Cap604.25M
Revenue(TTM)226.56M
Net Income(TTM)63.06M
Analysts84.44
Price Target21.93 (17.34%)
Short Float %3.24%
Short Ratio3.7
Dividend
Industry RankSector Rank
Dividend Yield 2.15%
Yearly Dividend0.1
Dividend Growth(5Y)N/A
DP5.16%
Div Incr Years0
Div Non Decr Years1
Ex-Date03-24
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)16.62%
Min EPS beat(2)13.3%
Max EPS beat(2)19.95%
EPS beat(4)4
Avg EPS beat(4)16.09%
Min EPS beat(4)3.66%
Max EPS beat(4)27.45%
EPS beat(8)6
Avg EPS beat(8)8.63%
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)0.5%
Min Revenue beat(2)-0.07%
Max Revenue beat(2)1.07%
Revenue beat(4)1
Avg Revenue beat(4)-1.03%
Min Revenue beat(4)-3.08%
Max Revenue beat(4)1.07%
Revenue beat(8)1
Avg Revenue beat(8)-2.82%
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)-3.71%
EPS NY rev (1m)-0.61%
EPS NY rev (3m)-5.95%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.83%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.86%
Valuation
Industry RankSector Rank
PE 9.68
Fwd PE 11.19
P/S 2.67
P/FCF 10.61
P/OCF 10.55
P/B 1.05
P/tB 1.35
EV/EBITDA 3.82
EPS(TTM)1.93
EY10.33%
EPS(NY)1.67
Fwd EY8.94%
FCF(TTM)1.76
FCFY9.42%
OCF(TTM)1.77
OCFY9.48%
SpS7.01
BVpS17.83
TBVpS13.83
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.8291 (48.9%)
Profitability
Industry RankSector Rank
ROA 1.56%
ROE 10.94%
ROCE 24.21%
ROIC 2.55%
ROICexc 2.59%
ROICexgc 2.72%
OM 65.24%
PM (TTM) 27.83%
GM N/A
FCFM 25.13%
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-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 5.9
Debt/FCF 59.79
Debt/EBITDA 22.19
Cap/Depr 6.16%
Cap/Sales 0.15%
Interest Coverage 2.53
Cash Conversion 37.34%
Profit Quality 90.3%
Current Ratio 0.03
Quick Ratio 0.03
Altman-Z -0.66
F-Score7
WACC3.39%
ROIC/WACC0.75
Cap/Depr(3y)12.36%
Cap/Depr(5y)38.57%
Cap/Sales(3y)0.24%
Cap/Sales(5y)0.88%
Profit Quality(3y)377.47%
Profit Quality(5y)275.14%
High Growth Momentum
Growth
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
EPS 5YN/A
EPS Q2Q%-1.96%
EPS Next Y-13.47%
EPS Next 2Y-1.83%
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 Year1.22%
Revenue Next 2Y3.91%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y70.64%
EBIT growth 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y14.48%
FCF growth 3Y66.8%
FCF growth 5YN/A
OCF growth 1Y13.91%
OCF growth 3Y62.5%
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.


What is the profitability of BCAL stock?

CALIFORNIA BANCORP (BCAL) has a profitability rating of 7 / 10.


Can you provide the financial health for BCAL stock?

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


Can you provide the dividend sustainability for BCAL stock?

The dividend rating of CALIFORNIA BANCORP (BCAL) is 2 / 10 and the dividend payout ratio is 5.16%.