18.35 USD
-0.11 (-0.6%)
BCAL gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. There are concerns on the financial health of BCAL while its profitability can be described as average. BCAL is growing strongly while it also seems undervalued. This is an interesting combination
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 87.99% of the companies in the same industry.
- BCAL's Return On Equity of 11.23% is fine compared to the rest of the industry. BCAL outperforms 77.02% of its industry peers.
- BCAL's Return On Invested Capital of 2.55% is amongst the best of the industry. BCAL outperforms 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 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 better Profit Margin (27.35%) than 67.36% of its industry peers.
- BCAL's Profit Margin has declined in the last couple of years.
- BCAL has a Operating Margin of 65.70%. This is amongst the best in the industry. BCAL outperforms 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so BCAL is destroying value.
- The number of shares outstanding for BCAL has been increased compared to 1 year ago.
- BCAL has a better debt/assets ratio than last year.
2.2 Solvency
- BCAL has an Altman-Z score of -0.66. This is a bad value and indicates that BCAL is not financially healthy and even has some risk of bankruptcy.
- Looking at the Altman-Z score, with a value of -0.66, BCAL belongs to the top of the industry, outperforming 98.96% of the companies in the same industry.
- 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.
- Looking at the Debt to FCF ratio, with a value of 58.59, BCAL is doing worse than 85.12% of the companies in the same industry.
- A Debt/Equity ratio of 6.19 is on the high side and indicates that BCAL has dependencies on debt financing.
- BCAL has a worse Debt to Equity ratio (6.19) than 96.08% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.66 |
ROIC/WACC0.66
WACC3.88%
2.3 Liquidity
- A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
- BCAL has a Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.22% of its industry peers.
- A Quick Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
- BCAL has a Quick ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.22% 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.
- 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%.
- 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
- The Earnings Per Share is expected to grow by 36.38% on average over the next years. This is a very strong growth
- The Revenue is expected to grow by 14.16% on average over the next years. This is quite good.
EPS Next Y159.61%
EPS Next 2Y55.97%
EPS Next 3Y36.38%
EPS Next 5YN/A
Revenue Next Year38.33%
Revenue Next 2Y19.45%
Revenue Next 3Y14.16%
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.
- Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 9.46, the valuation of BCAL can be described as reasonable.
- 87.21% of the companies in the same industry are more expensive than BCAL, based on the Price/Earnings ratio.
- BCAL is valuated cheaply when we compare the Price/Earnings ratio to 27.25, which is the current average of the S&P500 Index.
- BCAL is valuated reasonably with a Price/Forward Earnings ratio of 10.33.
- 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 (25.98), we can say BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.46 | ||
| Fwd PE | 10.33 |
4.2 Price Multiples
- Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of BCAL indicates a rather cheap valuation: BCAL is cheaper than 100.00% of the companies listed 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 66.32% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.98 | ||
| EV/EBITDA | 3.4 |
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
- BCAL has a Yearly Dividend Yield of 2.12%.
- Compared to an average industry Dividend Yield of 2.64, 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 Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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%
CALIFORNIA BANCORP / BCAL 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 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 are the PE and PB ratios of CALIFORNIA BANCORP (BCAL) stock?
The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.46 and the Price/Book (PB) ratio is 1.05.
What is the financial health of CALIFORNIA BANCORP (BCAL) stock?
The financial health rating of CALIFORNIA BANCORP (BCAL) is 3 / 10.