NASDAQ
BCAL
Last Price
US $20.94
KEY FIGURES
MKT CAP
$0.7B
EPS
TTM
$1.84
PEG
TTM
0.04x
P/E
TTM
11.40x
P/S
TTM
2.93x
YIELD
1.43%
GROWTH
Revenue Y/Y
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
California BanCorp cash flow to debt ratio of 79.90% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.
Financial stability - Healthy cash flow growth.
California BanCorp's free cash flow has increased 14.48% from $49.74M last year to $56.94M, signaling increasing performance
Financial stability - Healthy debt to equity ratio.
California BanCorp's debt to equity ratio is 0.09, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
California BanCorp's debt has decreased relative to shareholder equity from 0.17 last year to 0.09 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
California BanCorp has a net debt to EBITDA ratio of 0.21x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
California BanCorp earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
California BanCorp's profit margin has increased (772.56%) in the last year from 2.94% to 25.68%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
California BanCorp's short-term liabilities of $1.18G exceed its short-term assets of $286.90M, signaling financial risk
Decreasing performance - ROA.
California BanCorp's return on assets of 1.48% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
California BanCorp's return on equity of 10.59%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
California BanCorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
California BanCorp had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
California BanCorp has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
California BanCorp has a free cash flow yield of 8.45%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
California BanCorp's yearly earnings has increased 1.06K% since last year from $5.43M to $63.06M, signaling increasing performance
Increasing performance - Healthy revenue growth.
California BanCorp's yearly revenue has increased 26.23% since last year from $184.58M to $233.00M, signaling increasing performance
Decreasing performance - ROIC.
ROIC -2.10% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
California BanCorp's 3-year revenue CAGR of 34.23% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
California BanCorp had revenue growth in 5.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
California BanCorp had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Undervalued - DCF valuation.
California BanCorp is undervalued relative to its fair value price of 30.66 based on Discounted Cash Flow model
Undervalued - Earnings yield.
California BanCorp has an earnings yield of 8.77%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
California BanCorp is overvalued relative to its fair value price of 18.44 based on EBITDA multiple model
Undervalued - EV/EBITDA.
California BanCorp has an EV/EBITDA ratio of 7.41x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Undervalued - PEG ratio value.
California BanCorp has a PEG-ratio under 1 which is considered undervalued
Undervalued - P/B ratio.
California BanCorp has a price-to-book ratio of 1.18x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
California BanCorp has a price-to-sales ratio of 2.93x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
10.59%
Return on equity
ROIC: -2.10%
Valuation History
11.2X
Price to Earnings
EV/EBITDA: 7.5X
Cash flow
Profit margin
34.33%
(FY vs FY)
EBITDA Y/Y
62.65%
(FY vs FY)
Cash flow Y/Y
39.99%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $20.94
46.42%
Default assumptions
EBITDA Multiple
Fair Value
Market $20.94
-11.94%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.