Northern California Financials
We recommend to make use of Northern California Bancorp fundamental analysis to find out if markets are presently mispricing the entity. Strictly speaking this technique allows you to check out available financial ratios of Northern California as well as the relationship between them. We were able to break down and interpolate twenty-four available fundamentals for Northern California, which can be compared to its peers in the industry.
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Understanding current and past Northern California Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Northern California's financial statements are interrelated, with each one affecting the others. For example, an increase in Northern California's assets may result in an increase in income on the income statement.
The data published in Northern California's official financial statements usually reflect Northern California's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of Northern California. For example, before you start analyzing numbers published by Northern accountants, it's critical to develop an understanding of what Northern California's liquidity, profitability, and earnings quality are in the context of the Financial Services space in which it operates.
Please note, the presentation of Northern California's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, Northern California's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in Northern California's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of Northern California Bancorp. Please utilize our Beneish M Score to check the likelihood of Northern California's management manipulating its earnings.
Northern California Stock Summary
Northern California competes with Preferred Bank, New York, Western Alliance, Bank of the, and United Security. Northern California Bancorp, Inc. operates as the bank holding company for Monterey County Bank that provides various banking products and services in California. Northern California Bancorp, Inc. was founded in 1977 and is based in Monterey, California. Northern California operates under BanksRegional classification in the United States and is traded on OTC Exchange. It employs 48 people.| Instrument | USA Pink Sheet View All |
| Exchange | PINK Exchange |
| Business Address | 601 Munras Avenue, |
| Sector | Financial Services |
| Industry | Banks—Regional |
| Benchmark | NYSE Composite |
| Website | www.montereycountybank.com |
| Phone | 831 649 4600 |
| Currency | USD - US Dollar |
You should never invest in Northern California without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of Northern Pink Sheet, because this is throwing your money away. Analyzing the key information contained in Northern California's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.
Northern California Key Financial Ratios
Generally speaking, Northern California's financial ratios allow both analysts and investors to convert raw data from Northern California's financial statements into concise, actionable information that can be used to evaluate the performance of Northern California over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that Northern California reports annually and quarterly.Northern Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Northern California's current stock value. Our valuation model uses many indicators to compare Northern California value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Northern California competition to find correlations between indicators driving Northern California's intrinsic value. More Info.Northern California Bancorp is regarded fifth in return on equity category among related companies. It is regarded fifth in return on asset category among related companies . Comparative valuation analysis is a catch-all model that can be used if you cannot value Northern California by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for Northern California's Pink Sheet. Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Northern California's earnings, one of the primary drivers of an investment's value.Northern California Systematic Risk
Northern California's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Northern California volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on Northern California correlated with the market. If Beta is less than 0 Northern California generally moves in the opposite direction as compared to the market. If Northern California Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Northern California is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Northern California is generally in the same direction as the market. If Beta > 1 Northern California moves generally in the same direction as, but more than the movement of the benchmark.
About Northern California Financials
What exactly are Northern California Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include Northern California's income statement, its balance sheet, and the statement of cash flows. Potential Northern California investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although Northern California investors may use each financial statement separately, they are all related. The changes in Northern California's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on Northern California's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.Steps to analyze Northern California Financials for Investing
There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as Northern California is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of Northern has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it. In summary, you can determine if Northern California's financials are consistent with your investment objective using the following steps:- Review Northern California's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
- Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
- Study the cash flow inflows and outflows to understand Northern California's liquidity and solvency.
- Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
- Compare Northern California's financials to those of its peers to see how it stacks up and identify any potential red flags.
- Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if Northern California's stock is overvalued or undervalued.
Northern California April 24, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Northern California help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Northern California Bancorp. We use our internally-developed statistical techniques to arrive at the intrinsic value of Northern California Bancorp based on widely used predictive technical indicators. In general, we focus on analyzing Northern Pink Sheet price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Northern California's daily price indicators and compare them against related drivers.
| Information Ratio | 0.1232 | |||
| Maximum Drawdown | 200.0 |
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in Northern California Bancorp. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of economic analysis. You can also try the Share Portfolio module to track or share privately all of your investments from the convenience of any device.
Complementary Tools for Northern Pink Sheet analysis
When running Northern California's price analysis, check to measure Northern California's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Northern California is operating at the current time. Most of Northern California's value examination focuses on studying past and present price action to predict the probability of Northern California's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Northern California's price. Additionally, you may evaluate how the addition of Northern California to your portfolios can decrease your overall portfolio volatility.
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