CALIFORNIA BANCORP (BCAL) Stock Fundamental Analysis

NASDAQ:BCAL • US84252A1060

18.745 USD
-0.14 (-0.77%)
Last: Feb 12, 2026, 12:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Overall BCAL gets a fundamental rating of 4 out of 10. We evaluated BCAL against 381 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 valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

6

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.
  • BCAL had positive earnings in 4 of the past 5 years.
  • BCAL had a positive operating cash flow in 4 of the past 5 years.
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 20M 40M 60M 80M

1.2 Ratios

  • The Return On Assets of BCAL (1.55%) is better than 88.45% of its industry peers.
  • The Return On Equity of BCAL (11.23%) is better than 76.64% of its industry peers.
  • BCAL has a better Return On Invested Capital (2.55%) than 99.48% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for BCAL is in line with the industry average of 2.69%.
  • 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 RankSector 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
BCAL Yearly ROA, ROE, ROICBCAL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • The Profit Margin of BCAL (27.35%) is better than 66.93% 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.
  • 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 3Y19.95%
OM growth 5YN/A
PM growth 3Y-42.04%
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 10 20 30 40 50

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

3

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.
  • BCAL has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
BCAL Yearly Shares OutstandingBCAL Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 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's Altman-Z score of -0.66 is amongst the best of the industry. BCAL outperforms 98.69% of its industry peers.
  • 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.
  • BCAL has a Debt to FCF ratio of 58.59. This is amonst the worse of the industry: BCAL underperforms 85.04% 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.
  • BCAL's Debt to Equity ratio of 6.19 is on the low side compared to the rest of the industry. BCAL is outperformed by 96.33% of its industry peers.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.66
ROIC/WACC0.65
WACC3.92%
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 100M 200M 300M 400M 500M

2.3 Liquidity

  • A Current Ratio of 0.04 indicates that BCAL may have some problems paying its short term obligations.
  • With an excellent Current ratio value of 0.04, BCAL belongs to the best of the industry, outperforming 99.21% of the companies in the same industry.
  • 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 99.21% of its industry peers.
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 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

2

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 164.38% over the past year.
EPS 1Y (TTM)164.38%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1.96%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%5.04%

3.2 Future

  • BCAL is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -2.54% yearly.
  • 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

BCAL Yearly Revenue VS EstimatesBCAL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
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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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.71 indicates a reasonable valuation of BCAL.
  • Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 85.30% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 28.18, BCAL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 11.16, which indicates a very decent valuation of BCAL.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCAL is on the same level as its industry peers.
  • The average S&P500 Price/Forward Earnings ratio is at 28.01. BCAL is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.71
Fwd PE 11.16
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 100.00% of the companies are valued more expensively.
  • BCAL's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCAL is cheaper than 69.55% of the companies in the same industry.
Industry RankSector Rank
P/FCF 10.2
EV/EBITDA 3.48
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.
  • 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

More info and screens

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

1

5. Dividend

5.1 Amount

  • BCAL has a Yearly Dividend Yield of 2.12%. Purely for dividend investing, there may be better candidates out there.
  • BCAL's Dividend Yield is slightly below the industry average, which is at 2.53.
  • Compared to an average S&P500 Dividend Yield of 1.80, BCAL has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.12%

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 10M 20M 30M 40M

More info and screens

Find the best dividend stocksShow peers with best dividend

CALIFORNIA BANCORP

NASDAQ:BCAL (2/12/2026, 12:26:29 PM)

18.745

-0.14 (-0.77%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners58.8%
Inst Owner Change0.04%
Ins Owners23.43%
Ins Owner Change-4.71%
Market Cap608.09M
Revenue(TTM)N/A
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (16.99%)
Short Float %1.77%
Short Ratio1.67
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
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)2.38%
PT rev (3m)13.16%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0.61%
Revenue NQ rev (1m)-0.48%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-0.25%
Revenue NY rev (3m)0.22%
Valuation
Industry RankSector Rank
PE 9.71
Fwd PE 11.16
P/S 2.62
P/FCF 10.2
P/OCF 10.13
P/B 1.08
P/tB 1.4
EV/EBITDA 3.48
EPS(TTM)1.93
EY10.3%
EPS(NY)1.68
Fwd EY8.96%
FCF(TTM)1.84
FCFY9.81%
OCF(TTM)1.85
OCFY9.87%
SpS7.15
BVpS17.41
TBVpS13.39
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.49
Profitability
Industry RankSector 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 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 -0.66
F-Score7
WACC3.92%
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)164.38%
EPS 3YN/A
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)N/A
Revenue growth 3YN/A
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 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 4 / 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 6 / 10.


What are the PE and PB ratios of CALIFORNIA BANCORP (BCAL) stock?

The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.71 and the Price/Book (PB) ratio is 1.08.


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

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