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 $707M).
On earnings, California BanCorp CA is cheaper: it trades at 12.3× trailing earnings, against 18.8× for Bank First.
Bank First grew revenue faster over the last twelve months (41.4% versus 0.70% for California BanCorp CA).
Bank First keeps more of each dollar of sales as profit, with a net margin of 36.3% compared with 32.3% at California BanCorp CA.
Both pay dividends: California BanCorp CA yields 1.9% 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 | $707M | $1.7B |
| Share price | $21.99 | $150.46 |
| Change, 1 year | 15.7% | 20.9% |
| Change, 5 years | 42.6% | 111% |
| Beta (5Y) | 0.42 | 0.51 |
| Employees | 288 | 380 |
| StockData Score | ||
| Total score | 14 (better) | 13 |
| Valuation score | 1 (better) | 0 |
| Growth score | 2 | 3 (better) |
| Performance score | 3 | 4 (better) |
| Health score | 5 | 5 |
| Dividend score | 3 (better) | 1 |
| Valuation | ||
| P/E | 12.3× (better) | 18.8× |
| P/S | 3.9× (better) | 7.0× |
| P/B | 1.2× (better) | 2.0× |
| P/FCF | 13.8× (better) | 29.7× |
| PEG | 0.41 (better) | 2.09 |
| FCF yield | 7.3% (better) | 3.4% |
| Fair value | $21.30 | $110.45 |
| Margin of safety | −3.2% (better) | −36.2% |
| Growth | ||
| Revenue growth (TTM) | 0.70% | 41.4% (better) |
| Revenue growth, 5Y average | – | 10.5% |
| Net income growth (TTM) | −7.7% | 23.0% (better) |
| EPS growth (TTM) | −7.3% | 12.5% (better) |
| EPS growth, 5Y average | – | 7.4% |
| Profitability | ||
| Net margin | 32.3% | 36.3% (better) |
| FCF margin | 28.3% (better) | 23.5% |
| Return on equity | 10.2% | 11.9% (better) |
| Financial health | ||
| Altman Z-score | 0.22 | 0.35 (better) |
| Piotroski F-score | 4 | 6 (better) |
| Dividends and buybacks | ||
| Dividend yield | 1.9% (better) | 1.4% |
| Payout ratio | 22.1% | – |
| Years of dividend growth | – | 3 |
| Dividend growth, 5Y average | – | 45.6% |
| Buyback yield | 2.3% (better) | 1.4% |
| Shareholder yield | 4.2% (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 | −$2.3M (better) |
| Short interest, % of float | 3.1% | 5.9% |
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.