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BCAL vs BRK-B

BCAL
California BanCorp
NEUTRAL
Price
$18.39
Market Cap
$598.0M
Sector
Financial Services
AI Confidence
65%
BRK-B
Berkshire Hathaway Inc.
NEUTRAL
Price
$479.75
Market Cap
$1.03T
Sector
Financial Services
AI Confidence
85%

Valuation

P/E Ratio
BCAL
8.72
BRK-B
15.46
Forward P/E
BCAL
10.57
BRK-B
22.06
P/B Ratio
BCAL
1.06
BRK-B
0.0
P/S Ratio
BCAL
3.19
BRK-B
2.79
EV/EBITDA
BCAL
--
BRK-B
-2.12

Profitability

Gross Margin
BCAL
0.0%
BRK-B
26.15%
Operating Margin
BCAL
51.47%
BRK-B
32.96%
Profit Margin
BCAL
33.78%
BRK-B
18.03%
ROE
BCAL
11.93%
BRK-B
9.81%
ROA
BCAL
1.5%
BRK-B
5.11%

Growth

Revenue Growth
BCAL
198.3%
BRK-B
-0.7%
Earnings Growth
BCAL
--
BRK-B
-2.5%

Financial Health

Debt/Equity
BCAL
--
BRK-B
0.19
Current Ratio
BCAL
--
BRK-B
7.07
Quick Ratio
BCAL
--
BRK-B
6.62

Dividends

Dividend Yield
BCAL
2.12%
BRK-B
--
Payout Ratio
BCAL
0.0%
BRK-B
0.0%

AI Verdict

BCAL NEUTRAL

BCAL exhibits a weak financial health profile with a Piotroski F-Score of 3/9, indicating significant concerns in profitability, leverage, and operating efficiency. Despite this, the company shows strong revenue growth (198.3% YoY) and solid earnings surprises in recent quarters, suggesting improving operational momentum. Valuation appears reasonable relative to peers with a P/E of 8.72 versus sector average of 20.71, though the lack of Altman Z-Score and incomplete balance sheet data limits confidence in financial stability. The stock trades above the Graham Number ($28.75) but below analyst target ($21.83), creating a mixed value signal.

Strengths
Exceptional year-over-year revenue growth of 198.30%, significantly outpacing sector average of 27.31%
Strong recent earnings performance with 3 out of last 4 quarters beating estimates and average surprise of 18.97%
High operating margin of 51.47%, indicating efficient cost control and pricing power
Risks
Very low Piotroski F-Score of 3/9, signaling weak financial health and potential deterioration in fundamentals
Missing Altman Z-Score and key leverage metrics (Debt/Equity, Total Debt) create uncertainty about bankruptcy risk
Gross Margin reported as 0.00%, which is highly unusual for a bank and may indicate data error or severe business model risk
BRK-B NEUTRAL

The deterministic health profile is weak, highlighted by a Piotroski F-Score of 3/9, indicating deteriorating operational efficiency and profitability trends. While the company maintains a fortress balance sheet with a Debt/Equity ratio of 0.19 and a Current Ratio of 7.07, the stock is trading at a significant premium to its growth-based intrinsic value of $217.21. Negative YoY revenue and earnings growth, coupled with a bearish technical trend, offset the positive analyst sentiment and long-term historical performance.

Strengths
Exceptional liquidity with a Current Ratio of 7.07
Very low leverage (Debt/Equity 0.19)
Strong operating margins at 32.96%
Risks
Significant overvaluation relative to intrinsic value ($479.75 vs $217.21)
Negative YoY earnings growth (-2.50%) and revenue growth (-0.70%)
Weak Piotroski F-Score (3/9) suggesting declining financial health trends

Compare Another Pair

BCAL vs BRK-B: Head-to-Head Comparison

This page compares California BanCorp (BCAL) and Berkshire Hathaway Inc. (BRK-B) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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