BCAL
California BanCorp·NASDAQ
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2.72 / 10
Underperform
BCAL's fundamental score is 2.7/10, reflecting weak revenue-to-market-value and net-profit ratios, despite respectable gross-margin and ROE levels. Key concerns include a negative Asset-MV reading (-0.51) and a PB-ROE value of 2.46, placing it in the lower-performing quartile. Historical back-tests show modest one-month returns (3.07-5.62%) with varying confidence, underscoring the need for caution.
Analysis Checks(5/10)
Revenue-MV
Value0.21
Score0/3
Weight8.62%
1M Return3.38%
Value0.21
Score0/3
Weight8.62%
1M Return3.38%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.09%
1M Return3.07%
Value100.00
Score1/3
Weight7.09%
1M Return3.07%
PB-ROE
Value2.46
Score0/3
Weight9.42%
1M Return3.62%
Value2.46
Score0/3
Weight9.42%
1M Return3.62%
ROE (diluted) (%)
Value8.26
Score3/3
Weight11.29%
1M Return4.63%
Value8.26
Score3/3
Weight11.29%
1M Return4.63%
ROE (%)
Value8.66
Score3/3
Weight11.52%
1M Return4.73%
Value8.66
Score3/3
Weight11.52%
1M Return4.73%
Annualized return on equity (%)
Value11.55
Score3/3
Weight11.52%
1M Return4.73%
Value11.55
Score3/3
Weight11.52%
1M Return4.73%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.07%
1M Return3.46%
Value36.70
Score3/3
Weight8.07%
1M Return3.46%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.05%
1M Return3.44%
Value100.00
Score3/3
Weight8.05%
1M Return3.44%
Asset-MV
Value-0.51
Score1/3
Weight15.73%
1M Return5.62%
Value-0.51
Score1/3
Weight15.73%
1M Return5.62%
Cash-MV
Value0.13
Score1/3
Weight8.70%
1M Return3.31%
Value0.13
Score1/3
Weight8.70%
1M Return3.31%
Revenue-MV
Value0.21
Score0/3
Weight8.62%
1M Return3.38%
Value0.21
Score0/3
Weight8.62%
1M Return3.38%
Annualized return on equity (%)
Value11.55
Score3/3
Weight11.52%
1M Return4.73%
Value11.55
Score3/3
Weight11.52%
1M Return4.73%
Net profit attributable to parent company shareholders / Net profit (%)
Value100.00
Score1/3
Weight7.09%
1M Return3.07%
Value100.00
Score1/3
Weight7.09%
1M Return3.07%
Gross profit margin (%)
Value36.70
Score3/3
Weight8.07%
1M Return3.46%
Value36.70
Score3/3
Weight8.07%
1M Return3.46%
PB-ROE
Value2.46
Score0/3
Weight9.42%
1M Return3.62%
Value2.46
Score0/3
Weight9.42%
1M Return3.62%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight8.05%
1M Return3.44%
Value100.00
Score3/3
Weight8.05%
1M Return3.44%
ROE (diluted) (%)
Value8.26
Score3/3
Weight11.29%
1M Return4.63%
Value8.26
Score3/3
Weight11.29%
1M Return4.63%
Asset-MV
Value-0.51
Score1/3
Weight15.73%
1M Return5.62%
Value-0.51
Score1/3
Weight15.73%
1M Return5.62%
ROE (%)
Value8.66
Score3/3
Weight11.52%
1M Return4.73%
Value8.66
Score3/3
Weight11.52%
1M Return4.73%
Cash-MV
Value0.13
Score1/3
Weight8.70%
1M Return3.31%
Value0.13
Score1/3
Weight8.70%
1M Return3.31%
Is BCAL undervalued or overvalued?
- BCAL scores 2.72/10 on fundamentals and holds a Premium valuation at present. Backed by its 8.66% ROE, 35.26% net margin, 9.80 P/E ratio, 1.10 P/B ratio, and 855.17% earnings growth, these metrics solidify its Underperform investment rating.
