CALIFORNIA BANCORP (BCAL) Fundamental Analysis & Valuation

NASDAQ:BCAL • US84252A1060

18.04 USD
-0.34 (-1.85%)
Last: Mar 5, 2026, 02:20 PM
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This BCAL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to BCAL. BCAL was compared to 379 industry peers in the Banks industry. While BCAL belongs to the best of the industry regarding profitability, there are concerns on its financial health. BCAL has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years BCAL has always been profitable.
  • 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 2025 50M 100M

1.2 Ratios

  • BCAL's Return On Assets of 1.55% is amongst the best of the industry. BCAL outperforms 88.13% of its industry peers.
  • Looking at the Return On Equity, with a value of 11.23%, BCAL is in the better half of the industry, outperforming 75.46% of the companies in the same industry.
  • The Return On Invested Capital of BCAL (2.58%) is better than 99.21% 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 2.75%.
  • The last Return On Invested Capital (2.58%) for BCAL is above the 3 year average (2.02%), which is a sign of increasing profitability.
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROIC 2.58%
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

  • BCAL has a better Profit Margin (27.35%) than 66.23% of its industry peers.
  • BCAL's Profit Margin has improved in the last couple of years.
  • The Operating Margin of BCAL (65.70%) 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 65.7%
PM (TTM) 27.35%
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

  • 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
  • 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

  • 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.
  • BCAL's Altman-Z score of -0.66 is amongst the best of the industry. BCAL outperforms 98.68% 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.
  • Looking at the Debt to FCF ratio, with a value of 58.59, BCAL is doing worse than 86.02% 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.
  • Looking at the Debt to Equity ratio, with a value of 6.19, BCAL is doing worse than 96.83% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 6.19
Debt/FCF 58.59
Altman-Z -0.66
ROIC/WACC0.67
WACC3.84%
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 0.04. 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 Current ratio of 0.04. This is amongst the best in the industry. BCAL outperforms 99.21% of its industry peers.
  • 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 better Quick ratio (0.04) than 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 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

  • The Earnings Per Share has grown by an impressive 164.38% over the past year.
  • The Earnings Per Share has been growing by 28.86% on average over the past years. This is a very strong growth
  • Looking at the last year, BCAL shows a very strong growth in Revenue. The Revenue has grown by 26.48%.
  • The Revenue has been growing by 34.11% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, BCAL will show a decrease in Earnings Per Share. The EPS will decrease by -2.54% on average per year.
  • The Revenue is expected to grow by 3.67% on average over the next years.
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

  • 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.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
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

  • BCAL is valuated reasonably with a Price/Earnings ratio of 9.35.
  • Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 84.17% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (27.03), we can say BCAL is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.74, which indicates a very decent valuation of BCAL.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
  • BCAL is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.11, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 9.35
Fwd PE 10.74
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

  • 100.00% of the companies in the same industry are more expensive than BCAL, based on the Enterprise Value to EBITDA ratio.
  • Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than 68.60% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.81
EV/EBITDA 3.38
BCAL Per share dataBCAL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

4.3 Compensation for Growth

  • The decent profitability rating of BCAL 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. BCAL Dividend Analysis

5.1 Amount

  • BCAL has a Yearly Dividend Yield of 2.13%. Purely for dividend investing, there may be better candidates out there.
  • Compared to an average industry Dividend Yield of 2.72, 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 2.13%

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 2025 20M 40M 60M

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BCAL Fundamentals: All Metrics, Ratios and Statistics

CALIFORNIA BANCORP

NASDAQ:BCAL (3/5/2026, 2:20:50 PM)

18.04

-0.34 (-1.85%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-28
Earnings (Next)04-22
Inst Owners58.8%
Inst Owner Change4.28%
Ins Owners23.43%
Ins Owner Change-4.78%
Market Cap584.86M
Revenue(TTM)226.56M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.93 (21.56%)
Short Float %1.66%
Short Ratio1.49
Dividend
Industry RankSector Rank
Dividend Yield 2.13%
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)2.38%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)-5.38%
EPS NY rev (3m)-5.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)-2.03%
Revenue NY rev (3m)-1.47%
Valuation
Industry RankSector Rank
PE 9.35
Fwd PE 10.74
P/S 2.52
P/FCF 9.81
P/OCF 9.75
P/B 1.04
P/tB 1.35
EV/EBITDA 3.38
EPS(TTM)1.93
EY10.7%
EPS(NY)1.68
Fwd EY9.31%
FCF(TTM)1.84
FCFY10.19%
OCF(TTM)1.85
OCFY10.26%
SpS7.15
BVpS17.42
TBVpS13.4
PEG (NY)N/A
PEG (5Y)N/A
Graham Number27.5
Profitability
Industry RankSector Rank
ROA 1.55%
ROE 11.23%
ROCE 25.46%
ROIC 2.58%
ROICexc 2.64%
ROICexgc 2.78%
OM 65.7%
PM (TTM) 27.35%
GM N/A
FCFM 25.72%
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-Score8
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-Score8
WACC3.84%
ROIC/WACC0.67
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)164.38%
EPS 3Y28.86%
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)26.48%
Revenue growth 3Y34.11%
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 3Y61.27%
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y235.87%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y229.3%
OCF growth 3YN/A
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.


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 7 / 10.


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

The Price/Earnings (PE) ratio for CALIFORNIA BANCORP (BCAL) is 9.35 and the Price/Book (PB) ratio is 1.04.


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

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