BCAL
VENTE TOTALE: 7 500 titres (~158 947,50 $ US)
- Insiders
- Machado Lester
- Total bought
- —
- Total sold
- $158,948
- Last activity
- 2026-07-31
- Last synced
-
2026-08-06 10:27:36
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Neutral signal Scored 2026-08-05
BCAL presents a compelling operational turnaround story with strong 2025 profitability metrics (26.6% net margin, robust EBITDA growth) and a confirmed earnings catalyst driving the stock to a 52-week high, yet the…
The first sentence of the analysis written for BCAL on 2026-08-05 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 79.7% | 57.5% | 76.1% | 88.0% | 93.6% | |
| Ebit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Ebitda Margin | 39.5% | 6.4% | 30.6% | 24.5% | 22.2% | |
| Operating Profit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Pretax Profit Margin | 37.1% | 4.5% | 29.0% | 22.4% | 19.8% | |
| Continuous Operations Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Net Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Bottom Line Profit Margin | 26.6% | 2.9% | 20.4% | 16.4% | 15.0% | |
| Current Ratio | 0.243 | 0.060 | 0.084 | 0.089 | 0.040 | |
| Quick Ratio | 0.243 | 0.060 | 0.084 | 0.089 | 0.040 | |
| Solvency Ratio | 0.020 | 0.003 | 0.013 | 0.009 | 0.006 | |
| Cash Ratio | 0.044 | 0.018 | 0.017 | 0.031 | 0.011 | |
| Price To Earnings Ratio | 9.574 | 75.182 | 12.218 | 18.700 | 20.257 | |
| Price To Earnings Growth Ratio | 0.012 | -0.890 | 0.211 | 0.865 | 0.422 | |
| Forward Price To Earnings Growth Ratio | 0.012 | -0.890 | 0.211 | 0.865 | 0.422 | |
| Price To Earnings Diluted Ratio | 9.674 | 75.182 | 12.482 | 19.125 | 20.819 | |
| Price To Earnings Diluted Growth Ratio | 0.012 | -0.893 | 0.215 | 0.861 | 0.444 | |
| Price To Book Ratio | 1.060 | 0.784 | 1.099 | 1.152 | 0.876 | |
| Price To Sales Ratio | 2.579 | 2.173 | 2.495 | 3.060 | 3.017 | |
| Price To Free Cash Flow Ratio | 10.736 | 8.063 | 9.651 | 24.443 | 12.064 | |
| Price To Operating Cash Flow Ratio | 10.671 | 7.974 | 9.563 | 22.464 | 10.988 | |
| Debt To Assets Ratio | 0.018 | 0.022 | 0.049 | 0.035 | 0.013 | |
| Debt To Equity Ratio | 0.124 | 0.172 | 0.399 | 0.303 | 0.119 | |
| Debt To Capital Ratio | 0.111 | 0.147 | 0.285 | 0.232 | 0.107 | |
| Long Term Debt To Capital Ratio | 0.084 | 0.120 | 0.263 | 0.207 | 0.076 | |
| Financial Leverage Ratio | 6.995 | 7.877 | 8.191 | 8.772 | 9.191 | |
| Working Capital Turnover Ratio | -0.116 | -0.074 | -0.072 | -0.054 | -0.047 | |
| Operating Cash Flow Ratio | 0.049 | 0.015 | 0.017 | 0.007 | 0.010 | |
| Operating Cash Flow Sales Ratio | 0.242 | 0.272 | 0.261 | 0.136 | 0.275 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | 0.989 | 0.991 | 0.919 | 0.911 | |
| Debt Service Coverage Ratio | 1.207 | 0.160 | 0.947 | 3.129 | 3.698 | |
| Interest Coverage Ratio | 1.546 | 0.145 | 1.254 | 3.797 | 4.220 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.799 | 0.571 | 0.288 | 0.169 | 0.668 | |
| Capital Expenditure Coverage Ratio | 165.578 | 91.109 | 109.609 | 12.352 | 11.210 | |
| Dividend Paid And Capex Coverage Ratio | 15.918 | 91.109 | 109.609 | 12.352 | 11.210 | |
| Dividend Payout Ratio | 0.052 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Enterprise Value Multiple | 6.744 | 36.021 | 10.278 | 13.279 | 14.012 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 79.7% | ▲22.3% | ▲0.7% |
| Ebit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Ebitda Margin | 39.5% | ▲33.0% | ▲14.8% |
| Operating Profit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Pretax Profit Margin | 37.1% | ▲32.6% | ▲14.5% |
| Continuous Operations Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Net Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Bottom Line Profit Margin | 26.6% | ▲23.7% | ▲10.3% |
| Current Ratio | 0.243 | ▲0.184 | ▲0.140 |
| Quick Ratio | 0.243 | ▲0.184 | ▲0.140 |
| Solvency Ratio | 0.020 | ▲0.017 | ▲0.010 |
| Cash Ratio | 0.044 | ▲0.026 | ▲0.020 |
| Price To Earnings Ratio | 9.574 | ▼-65.608 | ▼-17.612 |
| Price To Earnings Growth Ratio | 0.012 | ▲0.902 | ▼-0.112 |
| Forward Price To Earnings Growth Ratio | 0.012 | ▲0.902 | ▼-0.112 |
| Price To Earnings Diluted Ratio | 9.674 | ▼-65.508 | ▼-17.783 |
| Price To Earnings Diluted Growth Ratio | 0.012 | ▲0.906 | ▼-0.115 |
| Price To Book Ratio | 1.060 | ▲0.277 | ▲0.066 |
| Price To Sales Ratio | 2.579 | ▲0.406 | ▼-0.086 |
| Price To Free Cash Flow Ratio | 10.736 | ▲2.674 | ▼-2.255 |
| Price To Operating Cash Flow Ratio | 10.671 | ▲2.697 | ▼-1.661 |
| Debt To Assets Ratio | 0.018 | ▼-0.004 | ▼-0.009 |
| Debt To Equity Ratio | 0.124 | ▼-0.048 | ▼-0.099 |
| Debt To Capital Ratio | 0.111 | ▼-0.036 | ▼-0.066 |
| Long Term Debt To Capital Ratio | 0.084 | ▼-0.036 | ▼-0.066 |
| Financial Leverage Ratio | 6.995 | ▼-0.882 | ▼-1.210 |
| Working Capital Turnover Ratio | -0.116 | ▼-0.042 | ▼-0.043 |
| Operating Cash Flow Ratio | 0.049 | ▲0.034 | ▲0.029 |
| Operating Cash Flow Sales Ratio | 0.242 | ▼-0.031 | ▲0.004 |
| Free Cash Flow Operating Cash Flow Ratio | 0.994 | ▲0.005 | ▲0.033 |
| Debt Service Coverage Ratio | 1.207 | ▲1.048 | ▼-0.621 |
| Interest Coverage Ratio | 1.546 | ▲1.401 | ▼-0.646 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.799 | ▲0.228 | ▲0.300 |
| Capital Expenditure Coverage Ratio | 165.578 | ▲74.469 | ▲87.606 |
| Dividend Paid And Capex Coverage Ratio | 15.918 | ▼-75.190 | ▼-32.121 |
| Dividend Payout Ratio | 0.052 | ▲0.052 | ▲0.041 |
| Enterprise Value Multiple | 6.744 | ▼-29.277 | ▼-9.323 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $611.4M | $401.0M | $316.6M | $299.9M | $215.9M | |
| Enterprise value | $631.1M | $428.6M | $398.5M | $318.5M | $222.9M | |
| EV / Sales | 2.66x | 2.32x | 3.14x | 3.25x | 3.12x | |
| EV / Op. cash flow | 11.02x | 8.52x | 12.04x | 23.85x | 11.34x | |
| EV / Free cash flow | 11.08x | 8.62x | 12.15x | 25.95x | 12.45x | |
| EV / EBITDA | 6.74x | 36.02x | 10.28x | 13.28x | 14.01x | |
| Net debt / EBITDA | 0.21x | 2.32x | 2.11x | 0.77x | 0.44x | |
| Current ratio | 0.24x | 0.06x | 0.08x | 0.09x | 0.04x | |
| Income quality | 0.91x | 9.26x | 1.28x | 0.83x | 1.83x | |
| Graham number | $28 | $10 | $22 | $17 | $17 | |
| Graham net-net | -$97 | -$137 | -$105 | -$104 | -$135 | |
| Tax burden | 71.7% | 65.8% | 70.3% | 73.3% | 75.5% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$891.4M | -$3.20B | -$1.78B | -$1.76B | -$1.90B | |
| Invested capital | -$734.7M | -$3.03B | -$1.72B | -$1.70B | -$1.83B | |
| Return on assets | 1.6% | 0.1% | 1.1% | 0.7% | 0.5% | |
| Operating ROA | 2.2% | 0.3% | 1.6% | 1.0% | 0.7% | |
| Return on tangible assets | 1.6% | 0.1% | 1.1% | 0.7% | 0.5% | |
| Return on equity | 10.9% | 1.1% | 9.0% | 6.2% | 4.3% | |
| Return on invested capital | -8.8% | 0.9% | 6.2% | 4.6% | 3.7% | |
| Return on capital employed | 3.1% | 1.3% | 8.8% | 6.2% | 4.8% | |
| Earnings yield | 10.3% | 1.4% | 8.2% | 5.4% | 5.0% | |
| Free cash flow yield | 9.3% | 12.4% | 10.4% | 4.1% | 8.3% | |
| Capex / Op. cash flow | 0.6% | 1.1% | 0.9% | 8.1% | 8.9% | |
| Capex / Depreciation | 6.2% | 15.2% | 15.7% | 54.0% | 101.8% | |
| Capex / Sales | 0.1% | 0.3% | 0.2% | 1.1% | 2.4% | |
| SG&A / Sales | 26.9% | 27.8% | 31.6% | 38.8% | 49.6% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 2.5% | 3.4% | 3.6% | 3.8% | 7.7% | |
| Intangibles / Total assets | 3.2% | 3.3% | 1.7% | 1.7% | 1.7% | |
| Days sales outstanding | 0d | 0d | 0d | 0d | 0d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 0d | 0d | 0d | 0d | 0d | |
| Cash conversion cycle | 0d | 0d | 0d | 0d | 0d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+52.4%EV / Sales ▲+14.6%EV / EBITDA ▼-81.3%EV / Op. cash flow ▲+2.493Earnings yield ▲+0.090Graham number ▲+17.304
Profitability
Return on equity ▲+0.099Return on assets ▲+0.014Return on invested capital ▼-0.097Return on capital employed ▲+0.018Operating ROA ▲+0.019Income quality ▼-8.348Tax burden ▲+0.059
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.184Net debt / EBITDA ▼-2.106Working capital ▲+2304935000.000Invested capital ▲+2299555999.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+183.1%EV / Sales ▼-14.5%EV / EBITDA ▼-51.9%EV / Op. cash flow ▼-0.328Earnings yield ▲+0.054Graham number ▲+10.701
Profitability
Return on equity ▲+0.066Return on assets ▲+0.011Return on invested capital ▼-0.125Return on capital employed ▼-0.018Operating ROA ▲+0.014Income quality ▼-0.927Tax burden ▼-0.038
Efficiency
Days sales outstanding n/aDays payables outstanding n/aOperating cycle n/aCash conversion cycle n/aCapex / Sales ▼-0.023R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+0.204Net debt / EBITDA ▼-0.228Working capital ▲+1003743000.000Invested capital ▲+1093852999.000Intangibles / Total assets ▲+0.015
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-28 California BanCorp (NASDAQ:BCAL) Sets New 1-Year High on Strong Earnings California BanCorp (NASDAQ: BCAL - Get Free Report) hit a new 52-week high during mid-day trading on Monday following a better than expected earnings announcement. The stock traded as high as $22.00 and last traded at $21.57, with a volume of 12766 shares traded. The stock had previously closed at $21.02. The company reported $0.44 earnings
- 2026-07-27 CALIFORNIA BANCORP REPORTS STRONG SECOND QUARTER EARNINGS, SIGNIFICANT LOAN GROWTH AND IMPROVED CREDIT QUALITY — Company to increase its quarterly dividend by $0.02 to $0.12 per common share in the third quarter of 2026 San Diego, Calif., July 27, 2026 (GLOBE NEWSWIRE) -- California BanCorp (“us,” “we,” “our,” or the “Company”) (NASDAQ: BCAL), the holding company for California Bank of Commerce, N.A.
- 2026-07-10 Toll Brothers Announces New Luxury Home Community Coming Soon to Thousand Oaks, California Mountain View Estates will offer 10 expansive home sites and exceptional home designs in a sought-after Southern California location Mountain View Estates will offer 10 expansive home sites and exceptional home designs in a sought-after Southern California location
- 2026-07-01 Best Income Stocks to Buy for July 1st CZFS, LIEN and BCAL made it to the Zacks Rank #1 (Strong Buy) income stocks list on July 1, 2026.
- 2026-06-29 California BanCorp (BCAL) is a Great Momentum Stock: Should You Buy? Does California BanCorp (BCAL) have what it takes to be a top stock pick for momentum investors? Let''s find out.
- 2026-06-25 Is California BanCorp (BCAL) Stock Outpacing Its Finance Peers This Year? Here is how California BanCorp (BCAL) and First BanCorp (FBP) have performed compared to their sector so far this year.
- 2026-05-28 CALIFORNIA BANCORP DECLARES CASH DIVIDEND San Diego, Calif., May 28, 2026 (GLOBE NEWSWIRE) -- California Bancorp (Nasdaq: BCAL), the holding company for California Bank of Commerce, N.A.