California BanCorp Financial Ratios — BCAL Stock

Profitability (USD)

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	-6.9	1.01	-8.1	-11	-1.19	9.46	3.26	5.16	6.36	9.45	1.36	11.59
Return on Assets (%)	- -	-1.75	0.19	-1.19	-2.79	-0.39	1.5	0.39	0.56	0.71	1.12	0.17	1.56
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-130.61	-34.07	3.46	-15.79	-51.58	- -	3.9	3.01	2.52	2.17	1.97	2.85	3.12
Operating Margin (%)	-130.61	-34.07	3.46	-21.27	-56.6	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	69.99	- -	- -	106.74	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-130.61	-34.07	- -	-21.27	-56.59	-6.24	29.51	14	20.8	23.84	37.79	6.47	48.82
Profit Margin (%)	-130.75	-34.14	3.46	-21.3	-56.62	-6.26	20.64	9.77	15.7	17.47	26.57	4.25	35
Net Income to Common Margin (%)	-130.75	-34.14	3.46	-21.3	-56.62	-6.26	20.64	9.77	15.7	17.47	26.57	4.25	35
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	30.05	30.23	24.51	26.7	29.7	34.25	28.31
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.16
Sustainable Growth Rate (%)	- -	-6.9	1.01	-8.1	-11	-1.19	9.46	3.26	5.16	6.36	9.45	1.36	10.99

Credit (USD)

Credit Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	- -	- -	- -	35	40	29	79	115	88	53
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	35	40	29	79	115	88	53
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	27.37	27.3	17.08	39.39	59.92	24.21	9.4
Net Debt/EBITDA	3.46	18.03	-92.98	24.77	10.39	- -	15.71	12.6	-1.18	3.74	36.4	2.55	-3.24
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	3.46	18.03	-92.98	18.39	9.47	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	32.56	20.52	17.1	12.71	34.86	30.95	14.52	10.7	10.91	11.4	12.21	12.7	14.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.51	19.02	10.66	23.24	28.52	14.68	8.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	4.22	2.51	1.3	3.45	4.87	2.18	1.31
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.51	19.02	10.66	23.24	28.52	14.68	8.38
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	4.22	2.51	1.3	3.45	4.87	2.18	1.31
Net Debt to Equity	-44.95	-128.61	-83.91	-155.18	-66.27	-15.61	16.68	10.84	-0.82	2.87	24.24	1.81	-3.15
Net Debt/Capital (%)	-81.67	449.54	-521.61	281.22	-196.48	-18.49	13.8	9.32	-0.8	2.68	18.87	1.72	-3.15
EBITDA	-1	- -	- -	- -	-1	- -	1	1	2	2	2	4	6
EBITDA-CapEx	-1	- -	- -	- -	-1	- -	- -	- -	- -	1	2	3	5
Operating Income (Loss)	-1	- -	- -	-1	-2	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	32.56	20.52	17.1	12.71	34.86	30.95	14.52	10.7	10.91	11.4	12.21	12.7	14.3
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.51	19.02	10.66	23.24	28.52	14.68	8.38
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	4.22	2.51	1.3	3.45	4.87	2.18	1.31
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.51	19.02	10.66	23.24	28.52	14.68	8.38
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	4.22	2.51	1.3	3.45	4.87	2.18	1.31
CFO/Total Liabilities	- -	- -	- -	-0.47	-2.18	- -	1.18	0.88	0.98	0.66	1.6	1.43	1.66
CFO/CapEx	- -	- -	- -	- -	- -	- -	6.93	6.99	11.21	12.35	109.61	91.11	165.58
Altman's Z-Score	-0.2	-0.09	- -	0.07	0.26	0.22	0.07	0.05	0.13	0.16	0.18	0.15	0.2

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	- -	- -	- -	- -	18.48	141.11	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	19.75	2.59	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	8	26	20	- -	- -	265	302	319	534	605
- Cash & Cash Equivalents	3	7	6	10	15	4	10	12	22	60	33	60	52
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	35	40	29	79	115	88	53
Enterprise Value	-3	-7	-6	-1	11	16	9	3	217	208	271	419	606
Total Capital	6	5	7	6	23	23	156	209	276	339	403	600	629
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.51	19.02	10.66	23.24	28.52	14.68	8.38
Total Debt / EV	- -	- -	- -	- -	- -	- -	3.99	13.18	0.14	0.38	0.42	0.21	0.09
EV/Sales	- -	- -	- -	- -	4.05	3.79	0.27	0.06	3.18	2.25	2.78	3.28	3.36
EV/EBITDA	- -	- -	- -	- -	- -	- -	6.86	2.07	125.93	103.89	141.03	115.3	107.92
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	1.05	0.24	11.03	15.57	8.18	8.34	10.58
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	0.92	0.21	10.13	14.4	8.1	8.25	10.51
Diluted Market Cap	- -	- -	- -	8	14	52	110	124	224	307	324	408	611
Diluted Enterprise Value	-3	-7	-6	-1	-1	49	135	151	231	325	406	436	612
EV per Share	- -	- -	- -	- -	4.3	6.16	- -	- -	12.25	11.59	14.73	12.99	18.69
TTM Sales	1	1	2	2	3	4	33	48	68	92	98	128	180
TTM EBITDA	-1	- -	- -	- -	-1	- -	1	1	2	2	2	4	6
TTM Operating Income	-1	- -	- -	-1	-2	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	- -	- -	-1	- -	8	12	20	13	33	50	57
TTM Free Cash Flow to Firm	- -	- -	- -	- -	-1	- -	10	14	21	14	33	51	58

Multiples (USD)

Valuation Multiples API ChatGPT

	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	-41.68	-14.87	- -	11.48	8.76	10.44	21.26	9.69	8.03	10.61
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-3	-7	-6	-1	11	16	9	3	217	208	271	419	606
Low Price	- -	- -	- -	9.5	9.1	7.5	11.5	8.1	12.56	12.75	12.16	12.3	11.87
EV/Sales	- -	- -	- -	- -	4.05	3.79	0.27	0.06	3.18	2.25	2.78	3.28	3.36
EV/EBITDA	- -	- -	- -	- -	- -	- -	6.86	2.07	125.93	103.89	141.03	115.3	107.92
Price/Earnings	- -	- -	- -	- -	- -	- -	15.91	25.6	20.16	18.61	12.22	75.18	9.57
Price/Earnings Average	- -	- -	- -	-15.93	-8.67	-97.56	15.91	20.21	19.23	17.2	10.64	68.53	8.29
Price/Earnings High	- -	- -	- -	-16.77	-9.7	-122.77	16.85	26.1	21.52	18.61	12.68	84.05	10.5
Price/Earnings Low	- -	- -	- -	-15.18	-7.88	-73.66	14.35	16.26	16.89	14.1	8.56	55.91	6.09
Price/Book Value	- -	- -	- -	1.34	1.16	0.88	- -	- -	1.08	1.16	1.11	1.04	1.05
Price/Book Value Average	- -	- -	- -	1.35	1.16	1.16	- -	- -	1.03	1.07	0.96	0.95	0.91
Price/Book Value High	- -	- -	- -	1.42	1.3	1.46	- -	- -	1.15	1.16	1.15	1.17	1.15
Price/Book Value Low	- -	- -	- -	1.28	1.06	0.88	- -	- -	0.9	0.88	0.78	0.78	0.67
Price/Tangible Book Value	- -	- -	- -	1.34	1.16	0.88	- -	- -	1.28	1.37	1.28	1.41	1.35
Price/Tangible Book Value Average	- -	- -	- -	1.35	1.16	1.16	- -	- -	1.22	1.26	1.11	1.29	1.17
Price/Tangible Book Value High	- -	- -	- -	1.42	1.3	1.46	- -	- -	1.36	1.37	1.33	1.58	1.48
Price/Tangible Book Value Low	- -	- -	- -	1.28	1.06	0.88	- -	- -	1.07	1.04	0.9	1.05	0.86
Price/Sales	- -	- -	- -	3.37	4.9	4.61	3.28	2.5	3.17	3.25	3.25	3.2	3.35
Price/Sales Average	- -	- -	- -	3.39	4.91	6.11	3.28	1.97	3.02	3	2.83	2.91	2.9
Price/Sales High	- -	- -	- -	3.57	5.49	7.69	3.48	2.55	3.38	3.25	3.37	3.57	3.67
Price/Sales Low	- -	- -	- -	3.23	4.46	4.61	2.96	1.59	2.65	2.46	2.28	2.38	2.13
Price/Cash Flow	- -	- -	- -	-41.68	-14.87	- -	12.87	9.78	10.99	22.46	9.56	8.12	10.54
Price/Cash Flow Average	- -	- -	- -	-42	-14.89	- -	12.87	7.72	10.48	20.76	8.33	7.4	9.13
Price/Cash Flow High	- -	- -	- -	-44.21	-16.65	- -	13.62	9.97	11.73	22.46	9.92	9.08	11.55
Price/Cash Flow Low	- -	- -	- -	-40	-13.53	- -	11.61	6.21	9.21	17.02	6.7	6.04	6.7
Price/Free Cash Flow Average	- -	- -	- -	-42	-14.89	- -	11.48	6.91	9.96	19.64	8.44	7.32	9.19
Price/Free Cash Flow High	- -	- -	- -	-44.21	-16.65	- -	12.16	8.93	11.15	21.26	10.05	8.98	11.63
Price/Free Cash Flow Low	- -	- -	- -	-40	-13.53	- -	10.36	5.56	8.75	16.1	6.79	5.97	6.74
EV/Sales Average	- -	- -	- -	- -	4.06	5.29	0.77	0.57	3.81	3.23	3.69	4.02	2.91
EV/Sales High	- -	- -	- -	- -	5.17	6.86	0.77	0.57	4.26	3.47	4.23	4.89	3.69
EV/Sales Low	- -	- -	- -	- -	3.2	3.79	0.77	0.57	3.36	2.68	3.13	3.32	2.14
EV/EBITDA Average	3.46	18.03	-92.98	3.27	-7.87	- -	19.63	19.07	151.05	148.68	187.38	141.38	93.5
EV/EBITDA High	3.46	18.03	-92.98	2.14	-10.03	- -	19.63	19.07	168.58	160.15	215.02	171.66	118.32
EV/EBITDA Low	3.46	18.03	-92.98	4.29	-6.2	- -	19.63	19.07	133.21	123.57	159.12	116.73	68.67
EV/EBIT Average	3.46	18.03	-92.98	2.43	-7.18	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	3.46	18.03	-92.98	1.59	-9.14	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	3.46	18.03	-92.98	3.19	-5.65	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	9.9	10	7.5	12.75	12.75	14.99	16.83	17.35	16.54	18.67
High Price	- -	- -	- -	10.5	11.2	12.5	13.5	13	16	16.83	18	18.49	20.47
Enterprise Value Average	-3	-7	-6	-1	11	23	25	28	260	298	360	514	525
Enterprise Value High	-3	-7	-6	-1	15	29	25	28	290	320	413	624	664
Enterprise Value Low	-3	-7	-6	-2	9	16	25	28	229	247	305	424	386

Shares Outstanding	1	1	1	1	3	3	- -	- -	18	18	18	32	32
Diluted Weighted Avg Shares	1	1	1	1	1	7	9	10	15	18	19	25	33
Basic Weighted Avg Shares	1	1	1	1	1	3	8	9	14	18	18	25	32
Revenue per Share	0.82	1.6	2.45	2.94	2.04	1.63	3.88	5.1	4.73	5.18	5.34	5.17	5.57
EBITDA per Share	-1.07	-0.55	0.08	-0.46	-1.05	- -	0.15	0.15	0.12	0.11	0.11	0.15	0.17
Operating Income per Share	-1.07	-0.55	0.08	-0.63	-1.15	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.07	-0.55	0.08	-0.63	-1.15	-0.1	0.8	0.5	0.74	0.9	1.42	0.22	1.95
Basic EPS from Cont Ops	-1.07	-0.55	0.08	-0.63	-1.15	-0.1	0.8	0.5	0.74	0.9	1.42	0.22	1.95
Diluted EPS, GAAP	-1.07	-0.55	0.08	-0.63	-1.15	-0.04	0.78	0.49	0.72	0.88	1.39	0.22	1.93
Diluted EPS from Cont Ops	-1.07	-0.55	0.08	-0.63	-1.15	-0.04	0.78	0.49	0.72	0.88	1.39	0.22	1.93
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.1
Cash Flow per Share	- -	- -	- -	-0.24	-0.67	- -	0.99	1.3	1.36	0.75	1.81	2.04	1.77
Free Cash Flow per Basic Share	- -	- -	- -	-0.24	-0.67	- -	0.85	1.12	1.24	0.69	1.8	2.01	1.76
Cash & Equivalents per Share	3.09	8.23	6.75	11.49	5.7	1.34	- -	- -	4.4	9.64	8.88	6.28	1.61
Book Value per Share	6.87	6.4	8.05	7.41	8.6	8.57	- -	- -	13.92	14.51	15.69	15.86	17.79
Tangible Book Value per Share	6.87	6.4	8.05	7.41	8.6	8.54	- -	- -	11.73	12.32	13.56	11.71	13.79

California BanCorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)