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STOCKS

California BanCorp (BCAL)

NASDAQ:BCAL

BCAL

California BanCorp

RESEARCH TOOLSreports

California BanCorp (BCAL) Ratios

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29 Followers

California BanCorp Ratios

BCAL's free cash flow for Q4 2025 was $0.84. For the 2025 fiscal year, BCAL's free cash flow was decreased by $ and operating cash flow was $0.41. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.24	0.24	0.06	0.08	0.09
Quick Ratio	0.24	0.24	0.06	0.08	0.09
Cash Ratio	0.04	0.04	0.02	0.02	0.03
Solvency Ratio	0.02	0.02	<0.01	0.01	<0.01
Operating Cash Flow Ratio	0.05	0.05	0.01	0.02	<0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -3.17B	$ -3.17B	$ -3.32B	$ -1.91B	$ -1.85B
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.02	0.02	0.05	0.03
Debt-to-Equity Ratio	0.12	0.12	0.17	0.40	0.30
Debt-to-Capital Ratio	0.11	0.11	0.15	0.29	0.23
Long-Term Debt-to-Capital Ratio	0.08	0.08	0.12	0.26	0.21
Financial Leverage Ratio	7.00	7.00	7.88	8.19	8.77
Debt Service Coverage Ratio	1.18	1.11	0.16	0.95	3.13
Interest Coverage Ratio	1.55	1.55	0.15	1.25	3.80
Debt to Market Cap	0.09	0.09	0.17	0.32	0.23
Interest Debt Per Share	3.92	3.93	5.97	7.91	4.75
Net Debt to EBITDA	0.21	0.22	2.32	2.11	0.77
Profitability Margins
Gross Profit Margin	79.37%	79.37%	57.47%	76.12%	88.02%
EBIT Margin	37.75%	37.75%	4.48%	29.04%	22.43%
EBITDA Margin	39.58%	37.75%	6.45%	30.56%	24.47%
Operating Profit Margin	37.75%	37.75%	4.48%	29.04%	22.43%
Pretax Profit Margin	37.75%	37.75%	4.48%	29.04%	22.43%
Net Profit Margin	27.06%	27.06%	2.94%	20.42%	16.44%
Continuous Operations Profit Margin	27.06%	27.06%	2.94%	20.42%	16.44%
Net Income Per EBT	71.69%	71.69%	65.75%	70.30%	73.30%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.56%	1.56%	0.13%	1.10%	0.71%
Return on Equity (ROE)	11.36%	10.94%	1.06%	8.99%	6.19%
Return on Capital Employed (ROCE)	3.08%	3.08%	1.31%	8.84%	6.24%
Return on Invested Capital (ROIC)	-8.81%	-8.81%	0.86%	6.22%	4.58%
Return on Tangible Assets	1.62%	1.62%	0.14%	1.12%	0.72%
Earnings Yield	11.00%	10.31%	1.35%	8.18%	5.37%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.05	8.56	6.61	5.62	4.27
Asset Turnover	0.06	0.06	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.11	-0.11	-0.07	-0.07	-0.05
Cash Conversion Cycle	0.00	0.00	0.00	0.00	0.00
Days of Sales Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.94	1.75	2.07	1.81	0.75
Free Cash Flow Per Share	1.93	1.74	2.05	1.80	0.69
CapEx Per Share	0.01	0.01	0.02	0.02	0.06
Free Cash Flow to Operating Cash Flow	0.99	0.99	0.99	0.99	0.92
Dividend Paid and CapEx Coverage Ratio	17.03	15.92	91.11	109.61	12.35
Capital Expenditure Coverage Ratio	129.88	165.58	91.11	109.61	12.35
Operating Cash Flow Coverage Ratio	0.89	0.80	0.57	0.29	0.17
Operating Cash Flow to Sales Ratio	0.27	0.25	0.27	0.26	0.14
Free Cash Flow Yield	11.20%	9.31%	12.40%	10.36%	4.09%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.09	9.70	73.82	12.22	18.61
Price-to-Sales (P/S) Ratio	2.42	2.62	2.17	2.49	3.06
Price-to-Book (P/B) Ratio	0.99	1.06	0.78	1.10	1.15
Price-to-Free Cash Flow (P/FCF) Ratio	8.93	10.74	8.06	9.65	24.44
Price-to-Operating Cash Flow Ratio	8.99	10.67	7.97	9.56	22.46
Price-to-Earnings Growth (PEG) Ratio	-17.72	0.01	-0.87	0.21	0.86
Price-to-Fair Value	0.99	1.06	0.78	1.10	1.15
Enterprise Value Multiple	6.34	7.17	36.02	10.28	13.28
Enterprise Value	584.69M	631.06M	428.61M	398.54M	318.47M
EV to EBITDA	6.34	7.17	36.02	10.28	13.28
EV to Sales	2.51	2.71	2.32	3.14	3.25
EV to Free Cash Flow	9.24	11.08	8.62	12.15	25.95
EV to Operating Cash Flow	9.17	11.02	8.52	12.04	23.85
Tangible Book Value Per Share	13.64	13.66	15.58	13.66	12.40
Shareholders’ Equity Per Share	17.59	17.61	21.11	15.79	14.61
Tax and Other Ratios
Effective Tax Rate	0.28	0.28	0.34	0.30	0.27
Revenue Per Share	7.11	7.12	7.61	6.96	5.50
Net Income Per Share	1.92	1.93	0.22	1.42	0.90
Tax Burden	0.72	0.72	0.66	0.70	0.73
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.28	0.30	0.28	0.32	0.39
Stock-Based Compensation to Revenue	0.02	0.00	0.03	0.04	0.04
Income Quality	1.01	0.91	9.26	1.28	0.83

Currency in USD