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 (%)	- -	-18.16	2.66	-21.83	-27.16	-2.85	10.46	3.27	5.16	6.28	9.26	1.34	11.5
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 (%)	- -	-18.16	2.66	-21.83	-27.16	-2.85	10.46	3.27	5.16	6.28	9.26	1.34	10.91

Credit (USD)

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	13.03	7.34	6.75	4.38	14.69	12.73	14.48	10.68	10.91	11.68	12.4	12.86	14.34
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.56	19.05	10.66	22.81	28.21	14.51	8.36
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 (%)	- -	- -	- -	- -	- -	- -	22.56	19.05	10.66	22.81	28.21	14.51	8.36
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 (%)	908.17	138.55	188.95	128.58	274.61	-61.18	13.83	9.33	-0.8	2.62	18.65	1.69	-3.14
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)

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	13.03	7.34	6.75	4.38	14.69	12.73	14.48	10.68	10.91	11.68	12.4	12.86	14.34
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	29.05	23.48	11.93	30.28	39.9	17.2	9.15
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.56	19.05	10.66	22.81	28.21	14.51	8.36
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 (%)	- -	- -	- -	- -	- -	- -	22.56	19.05	10.66	22.81	28.21	14.51	8.36
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	0.08	0.22	0.16	0.1	0.12	0.16	0.18	0.13	0.2

Working Capital (USD)

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)

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	14	20	108	121	216	300	317	408	604
- 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	-1	16	117	124	167	206	269	294	604
Total Capital	2	2	3	2	10	9	155	208	276	346	408	607	631
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	22.56	19.05	10.66	22.81	28.21	14.51	8.36
Total Debt / EV	- -	- -	- -	- -	- -	- -	0.3	0.32	0.18	0.38	0.43	0.3	0.09
EV/Sales	- -	- -	- -	- -	- -	3.79	3.55	2.56	2.45	2.23	2.75	2.3	3.35
EV/EBITDA	- -	- -	- -	- -	- -	- -	91.08	85.26	97.18	102.89	139.92	80.87	107.65
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	13.92	10.02	8.51	15.42	8.11	5.85	10.55
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	12.16	8.77	7.82	14.26	8.04	5.78	10.49
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	- -	- -	- -	- -	- -	6.16	13.79	13.07	11.62	11.55	14.72	11.91	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)

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	-1	16	117	124	167	206	269	294	604
Low Price	- -	- -	- -	9.5	9.1	7.5	11.5	8.1	12.56	12.75	12.16	12.3	11.87
EV/Sales	- -	- -	- -	- -	- -	3.79	3.55	2.56	2.45	2.23	2.75	2.3	3.35
EV/EBITDA	- -	- -	- -	- -	- -	- -	91.08	85.26	97.18	102.89	139.92	80.87	107.65
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	- -	- -	- -	3.88	1.44	2.13	0.9	0.72	0.88	1.12	1.08	0.79	1.04
Price/Book Value Average	- -	- -	- -	3.9	1.44	2.82	0.9	0.57	0.84	1.04	0.94	0.72	0.9
Price/Book Value High	- -	- -	- -	4.11	1.61	3.55	0.95	0.73	0.93	1.12	1.12	0.88	1.14
Price/Book Value Low	- -	- -	- -	3.72	1.31	2.13	0.81	0.46	0.73	0.85	0.76	0.59	0.66
Price/Tangible Book Value	- -	- -	- -	1.34	0.61	0.88	1.06	0.82	1.04	1.36	1.27	1.08	1.35
Price/Tangible Book Value Average	- -	- -	- -	1.35	0.61	1.16	1.06	0.65	0.99	1.25	1.11	0.99	1.17
Price/Tangible Book Value High	- -	- -	- -	1.42	0.68	1.46	1.12	0.84	1.11	1.36	1.32	1.21	1.48
Price/Tangible Book Value Low	- -	- -	- -	1.28	0.55	0.88	0.95	0.52	0.87	1.03	0.89	0.8	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	- -	- -	- -	- -	- -	5.29	4.05	2.55	3.12	3.21	3.67	3.13	2.91
EV/Sales High	- -	- -	- -	- -	0.13	6.86	4.24	3.12	3.48	3.45	4.21	3.79	3.68
EV/Sales Low	- -	- -	- -	- -	- -	3.79	3.73	2.16	2.76	2.66	3.12	2.59	2.13
EV/EBITDA Average	3.46	18.03	-92.98	3.27	0.87	- -	103.85	84.76	123.63	147.76	186.41	109.98	93.27
EV/EBITDA High	3.46	18.03	-92.98	2.14	-0.25	- -	108.81	103.9	137.89	159.15	213.87	133.16	118.02
EV/EBITDA Low	3.46	18.03	-92.98	4.3	1.74	- -	95.6	71.92	109.12	122.82	158.34	91.12	68.5
EV/EBIT Average	3.46	18.03	-92.98	2.43	0.79	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	3.46	18.03	-92.98	1.59	-0.23	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	3.46	18.03	-92.98	3.19	1.59	- -	- -	- -	- -	- -	- -	- -	- -
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	-1	23	133	123	213	296	358	400	524
Enterprise Value High	-3	-7	-6	-1	- -	29	139	151	237	318	410	484	663
Enterprise Value Low	-3	-7	-6	-2	-3	16	122	105	188	246	304	331	385

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	3.69	9.84	7.89	11.49	10.93	1.34	3.1	3.87	5.42	9.7	8.94	8.2	1.61
Book Value per Share	3.29	2.74	3.71	2.55	6.95	3.52	14.22	17.78	17.12	14.97	16.04	20.99	17.88
Tangible Book Value per Share	8.21	7.65	9.4	7.41	16.5	8.55	12.08	15.54	14.42	12.4	13.65	15.3	13.83

California BanCorp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)