California BanCorp \ CA vs Bank First
BCAL and BFC side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BCAL and BFC compare
Bank First is the larger company, worth 2.4 times as much as California BanCorp \ CA ($1.7B against $691M).
On earnings, California BanCorp \ CA is cheaper: it trades at 11.7× trailing earnings, against 19.4× for Bank First.
Bank First grew revenue faster over the last twelve months (31.6% versus 4.3% for California BanCorp \ CA).
Bank First keeps more of each dollar of sales as profit, with a net margin of 37.2% compared with 33.4% at California BanCorp \ CA.
Both pay dividends: California BanCorp \ CA yields 2.0% and Bank First 1.4%.
California BanCorp \ CA scores higher on the StockData Score (14 against 13 for Bank First), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BCAL | BFC |
|---|---|---|
| Size and price | ||
| Market cap | $691M | $1.7B |
| Share price | $21.48 | $149.03 |
| Change, 1 year | 18.7% | 19.9% |
| Change, 5 years | 38.8% | 103% |
| Beta (5Y) | 0.42 | 0.51 |
| Employees | 288 | 380 |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 3 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 5 | 5 |
| Dividend score | 1 | 1 |
| Valuation | ||
| P/E | 11.7× (better) | 19.4× |
| P/S | 3.8× (better) | 7.6× |
| P/B | 1.2× (better) | 2.0× |
| P/FCF | 11.7× (better) | 38.8× |
| PEG | 0.39 (better) | 2.15 |
| FCF yield | 8.6% (better) | 2.6% |
| Fair value | $21.70 | $107.64 |
| Margin of safety | 1.0% (better) | −38.5% |
| Growth | ||
| Revenue growth (TTM) | 4.3% | 31.6% (better) |
| Revenue growth, 5Y average | – | 10.5% |
| Net income growth (TTM) | 92.6% (better) | 17.1% |
| EPS growth (TTM) | 114% (better) | 10.8% |
| EPS growth, 5Y average | – | 7.4% |
| Profitability | ||
| Net margin | 33.4% | 37.2% (better) |
| FCF margin | 32.9% (better) | 19.5% |
| Return on equity | 10.6% | 11.3% (better) |
| Financial health | ||
| Altman Z-score | 0.22 | 0.34 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 2.0% (better) | 1.4% |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | 45.6% |
| Buyback yield | 1.8% (better) | 1.4% |
| Shareholder yield | 3.8% (better) | 2.8% |
| Ownership | ||
| Held by institutions | 71.0% | 37.7% |
| Held by insiders | 8.6% | 4.6% |
| Insider net buying, 12 months | −$46.0M | −$2.4M (better) |
| Short interest, % of float | 3.4% | 6.3% |
Go deeper
- BCAL stock overview
- BCAL income statement
- BCAL valuation and score
- BFC stock overview
- BFC income statement
- BFC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.