18.25 USD
-0.25 (-1.35%)
18.25 USD
0 (0%)
We assign a fundamental rating of 5 out of 10 to BCAL. BCAL was compared to 383 industry peers in the Banks industry. BCAL has a medium profitability rating, but doesn't score so well on its financial health evaluation. BCAL has both an excellent growth and valuation score. This means it is growing and it is still cheap. This is a rare combination!
1. Profitability
1.1 Basic Checks
In the past year BCAL was profitable.
BCAL had a positive operating cash flow in the past year.
1.2 Ratios
The Return On Assets of BCAL (1.55%) is better than 88.11% of its industry peers.
BCAL has a Return On Equity of 11.23%. This is in the better half of the industry: BCAL outperforms 77.00% of its industry peers.
BCAL has a Return On Invested Capital of 2.55%. This is amongst the best in 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 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 better Profit Margin (27.35%) than 67.18% of its industry peers.
In the last couple of years the Profit Margin of BCAL has declined.
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 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.
The number of shares outstanding for BCAL has been increased compared to 1 year ago.
The debt/assets ratio for BCAL has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of -0.67, we must say that BCAL is in the distress zone and has some risk of bankruptcy.
The Altman-Z score of BCAL (-0.67) is better 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.
With a Debt to FCF ratio value of 58.59, BCAL is not doing good in the industry: 85.27% of the companies in the same industry are doing better.
BCAL has a Debt/Equity ratio of 6.19. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BCAL (6.19) is worse than 96.12% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 6.19 | ||
| Debt/FCF | 58.59 | ||
| Altman-Z | -0.67 |
ROIC/WACC0.66
WACC3.85%
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 99.22% 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 99.22% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.04 | ||
| Quick Ratio | 0.04 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 321.74% over the past year.
Measured over the past years, BCAL shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -28.36% on average per year.
The Revenue has grown by 55.36% in the past year. This is a very strong growth!
The Revenue has been growing by 37.61% on average over the past years. This is a very strong growth!
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.
Based on estimates for the next years, BCAL will show a quite strong growth in Revenue. The Revenue will grow by 13.74% on average per year.
EPS Next Y159.61%
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
With a Price/Earnings ratio of 9.41, the valuation of BCAL can be described as very reasonable.
Based on the Price/Earnings ratio, BCAL is valued cheaply inside the industry as 86.82% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of BCAL to the average of the S&P500 Index (27.19), we can say BCAL is valued rather cheaply.
The Price/Forward Earnings ratio is 10.28, which indicates a very decent valuation of BCAL.
The rest of the industry has a similar Price/Forward Earnings ratio as BCAL.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.92, BCAL is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 10.28 |
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.
Based on the Price/Free Cash Flow ratio, BCAL is valued a bit cheaper than the industry average as 66.41% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.93 | ||
| EV/EBITDA | 3.35 |
4.3 Compensation for Growth
The 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 2.16%.
Compared to an average industry Dividend Yield of 2.90, BCAL is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 1.92, BCAL has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
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
5.3 Sustainability
DPN/A
EPS Next 2Y55.97%
EPS Next 3Y36.38%
18.25
-0.25 (-1.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners58.8%
Inst Owner Change0.03%
Ins Owners23.43%
Ins Owner Change-5.63%
Market Cap592.03M
Revenue(TTM)231.84M
Net Income(TTM)63.41M
Analysts84.44
Price Target21.42 (17.37%)
Short Float %1.27%
Short Ratio1.51
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.16% |
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)0%
PT rev (3m)12.5%
EPS NQ rev (1m)0%
EPS NQ rev (3m)9.08%
EPS NY rev (1m)0.61%
EPS NY rev (3m)7.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.32%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.41 | ||
| Fwd PE | 10.28 | ||
| P/S | 2.55 | ||
| P/FCF | 9.93 | ||
| P/OCF | 9.87 | ||
| P/B | 1.05 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | 3.35 |
EPS(TTM)1.94
EY10.63%
EPS(NY)1.78
Fwd EY9.73%
FCF(TTM)1.84
FCFY10.07%
OCF(TTM)1.85
OCFY10.14%
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 | -0.67 |
F-Score7
WACC3.85%
ROIC/WACC0.66
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 Y159.61%
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.
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 9.41 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.