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California BanCorp (BCAL) Ratios
California BanCorp Ratios
BCAL's free cash flow for Q2 2026 was $14.30M. For the 2026 fiscal year, BCAL's free cash flow was decreased by $-516.00K and operating cash flow was $14.82M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 |
| Quick Ratio | 0.24 | 0.06 | 0.08 | 0.09 | 0.04 |
| Cash Ratio | 0.04 | 0.02 | 0.02 | 0.03 | 0.01 |
| Solvency Ratio | 0.02 | 0.00 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.05 | 0.01 | 0.02 | 0.01 | 0.01 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -3.17B | $ -3.32B | $ -1.91B | $ -1.85B | $ -1.94B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.02 | 0.02 | 0.05 | 0.03 | 0.01 |
| Debt-to-Equity Ratio | 0.12 | 0.17 | 0.40 | 0.30 | 0.12 |
| Debt-to-Capital Ratio | 0.11 | 0.15 | 0.29 | 0.23 | 0.11 |
| Long-Term Debt-to-Capital Ratio | 0.08 | 0.12 | 0.26 | 0.21 | 0.08 |
| Financial Leverage Ratio | 7.00 | 7.88 | 8.19 | 8.77 | 9.19 |
| Debt Service Coverage Ratio | 1.21 | 0.16 | 0.95 | 3.13 | 3.70 |
| Interest Coverage Ratio | 1.55 | 0.15 | 1.25 | 3.80 | 4.22 |
| Debt to Market Cap | 0.09 | 0.17 | 0.32 | 0.23 | 0.09 |
| Interest Debt Per Share | 3.93 | 5.97 | 7.91 | 4.75 | 2.28 |
| Net Debt to EBITDA | 0.21 | 2.32 | 2.11 | 0.77 | 0.44 |
| Profitability Margins | |||||
| Gross Profit Margin | 79.73% | 57.47% | 76.12% | 88.02% | 93.63% |
| EBIT Margin | 37.10% | 4.48% | 29.04% | 22.43% | 19.82% |
| EBITDA Margin | 39.47% | 6.45% | 30.56% | 24.47% | 22.23% |
| Operating Profit Margin | 37.10% | 4.48% | 29.04% | 22.43% | 19.82% |
| Pretax Profit Margin | 37.10% | 4.48% | 29.04% | 22.43% | 19.82% |
| Net Profit Margin | 26.60% | 2.94% | 20.42% | 16.44% | 14.96% |
| Continuous Operations Profit Margin | 26.60% | 2.94% | 20.42% | 16.44% | 14.96% |
| Net Income Per EBT | 71.69% | 65.75% | 70.30% | 73.30% | 75.49% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.56% | 0.13% | 1.10% | 0.71% | 0.47% |
| Return on Equity (ROE) | 10.94% | 1.06% | 8.99% | 6.19% | 4.34% |
| Return on Capital Employed (ROCE) | 3.08% | 1.31% | 8.84% | 6.24% | 4.85% |
| Return on Invested Capital (ROIC) | -8.81% | 0.86% | 6.22% | 4.58% | 3.73% |
| Return on Tangible Assets | 1.62% | 0.14% | 1.12% | 0.72% | 0.48% |
| Earnings Yield | 10.31% | 1.35% | 8.18% | 5.37% | 4.96% |
| 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 | 8.71 | 6.61 | 5.62 | 4.27 | 2.58 |
| Asset Turnover | 0.06 | 0.05 | 0.05 | 0.04 | 0.03 |
| Working Capital Turnover Ratio | -0.12 | -0.07 | -0.07 | -0.05 | -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 | 1.75 | 2.07 | 1.81 | 0.75 | 1.36 |
| Free Cash Flow Per Share | 1.74 | 2.05 | 1.80 | 0.69 | 1.24 |
| Dividend Paid and CapEx Coverage Ratio | 15.92 | 91.11 | 109.61 | 12.35 | 11.21 |
| Capital Expenditure Coverage Ratio | 165.58 | 91.11 | 109.61 | 12.35 | 11.21 |
| Operating Cash Flow Coverage Ratio | 0.80 | 0.57 | 0.29 | 0.17 | 0.67 |
| Operating Cash Flow to Sales Ratio | 0.24 | 0.27 | 0.26 | 0.14 | 0.27 |
| Free Cash Flow Yield | 9.31% | 12.40% | 10.36% | 4.09% | 8.29% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.57 | 75.18 | 12.22 | 18.61 | 20.16 |
| Price-to-Sales (P/S) Ratio | 2.58 | 2.17 | 2.49 | 3.06 | 3.02 |
| Price-to-Book (P/B) Ratio | 1.06 | 0.78 | 1.10 | 1.15 | 0.88 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 10.74 | 8.06 | 9.65 | 24.44 | 12.06 |
| Price-to-Operating Cash Flow Ratio | 10.67 | 7.97 | 9.56 | 22.46 | 10.99 |
| Price-to-Earnings Growth (PEG) Ratio | 0.01 | -0.89 | 0.21 | 0.86 | 0.42 |
| Enterprise Value Multiple | 6.74 | 36.02 | 10.28 | 13.28 | 14.01 |
| Enterprise Value | 631.06M | 428.61M | 398.54M | 318.47M | 222.91M |
| EV to EBITDA | 6.74 | 36.02 | 10.28 | 13.28 | 14.01 |
| EV to Sales | 2.66 | 2.32 | 3.14 | 3.25 | 3.11 |
| EV to Free Cash Flow | 11.08 | 8.62 | 12.15 | 25.95 | 12.45 |
| EV to Operating Cash Flow | 11.02 | 8.52 | 12.04 | 23.85 | 11.34 |
| Tangible Book Value Per Share | 13.66 | 15.58 | 13.66 | 12.40 | 14.42 |
| Shareholders’ Equity Per Share | 17.61 | 21.11 | 15.79 | 14.61 | 17.11 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.28 | 0.34 | 0.30 | 0.27 | 0.25 |
| Revenue Per Share | 7.24 | 7.61 | 6.96 | 5.50 | 4.97 |
| Net Income Per Share | 1.93 | 0.22 | 1.42 | 0.90 | 0.74 |
| Tax Burden | 0.72 | 0.66 | 0.70 | 0.73 | 0.75 |
| 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 | 0.27 | 0.28 | 0.32 | 0.39 | 0.50 |
| Stock-Based Compensation to Revenue | 0.02 | 0.03 | 0.04 | 0.04 | 0.08 |
| Income Quality | 0.91 | 9.26 | 1.28 | 0.83 | 1.84 |
Currency in USD