CALB:NSD-California BanCorp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 17.75

Change

-0.11 (-0.62)%

Market Cap

USD 0.15B

Volume

2.60K

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

California BanCorp operates as the bank holding company for California Bank of Commerce that provides commercial banking services to small to middle-market businesses, professionals, and not-for-profit organizations in California. It accepts various deposit products, including commercial checking, savings, and money market accounts, as well as certificates of deposit. The company also offers asset-based lending loans; standby letters of credit; construction and development loans; real estate loans, such as commercial real estate loans and other loans; small business administration (SBA) loans, including SBA 7(a) and SBA 504 loans; consumer loans, such as secured and unsecured installment loans, and revolving lines of credit; and commercial and industrial loans, including term loans, working capital, accounts receivable and inventory financing, and other business loans to the dental and veterinary industries, contractors, and emerging companies. In addition, it provides foreign exchange, treasury and cash management, and online and mobile banking services. The company has seven offices, including three banking offices in Lafayette, Fremont, and San Jose, as well as four loan production offices in Oakland, Walnut Creek, San Jose, and Sacramento. California BanCorp was founded in 2007 and is headquartered in Oakland, California.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-08-03 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+4.27 (+0.78%)

USD31.03B 15.71 N/A
HBANN Huntington Bancshares Incorpor..

+0.10 (+0.38%)

USD28.23B 27.97 N/A
FITB Fifth Third Bancorp

+0.76 (+2.11%)

USD25.54B 10.58 N/A
HBAN Huntington Bancshares Incorpor..

+0.45 (+3.21%)

USD20.80B 15.21 N/A
FITBI Fifth Third Bancorp

+0.01 (+0.03%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+4.81 (+2.12%)

USD13.12B 17.88 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation, National..

+1.11 (+2.15%)

USD8.46B 7.83 N/A
CBSH Commerce Bancshares, Inc

-1.28 (-1.83%)

USD8.27B 15.16 N/A
FCNCA First Citizens BancShares, Inc

+20.77 (+2.70%)

USD7.62B 13.75 N/A

ETFs Containing CALB

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 14.07% 40% F 61% D-
Dividend Return N/A N/A N/A N/A N/A
Total Return 14.07% 36% F 60% D-
Trailing 12 Months  
Capital Gain 33.86% 27% F 55% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 33.86% 21% F 53% F
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain -4.68% 6% F 14% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -4.68% 4% F 13% F
Risk Return Profile  
Volatility (Standard Deviation) 19.55% 81% B- 78% C+
Risk Adjusted Return -23.92% 2% F 10% F
Market Capitalization 0.15B 19% F 26% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 22.02 8% F 42% F
Price/Book Ratio 1.05 65% D 86% B
Price / Cash Flow Ratio 9.94 60% D- 38% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 4.91% 10% F 61% D-
Return on Invested Capital -0.78% 17% F 47% F
Return on Assets 0.42% 6% F 48% F
Debt to Equity Ratio 156.91% 6% F 12% F
Technical Ratios  
Short Ratio 0.22 94% A 91% A-
Short Percent 0.27% 83% B 90% A-
Beta 1.31 17% F 38% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Low volatility

The stock’s annual returns have been stable and consistent compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile. Although stability is good, also keep in mind it can limit returns.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Below median dividend returns

The company’s average income yield over the past 5 years has been low compared to its peers. However, it is not a problem if you are not looking for income.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.