BCAL vs FISI: stock comparison and AI forecast
California Bancorp \ Ca (BCAL) and Financial Institutions Inc (FISI) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BCAL California Bancorp \ Ca
- Price
- $21.79 +14.3% · 6M
- Market Cap
- $701M
- P/E Ratio
- 11.6x
- Size
- small-cap
- AI Forecast
FISI Financial Institutions Inc
- Price
- $39.73 +12.2% · 6M
- Market Cap
- $783M
- P/E Ratio
- 10.3x
- Size
- small-cap
- AI Forecast
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Six-month price performance
Closing prices rebased to 100 at the start of the window.
Key facts
- FISI is 1.1 times larger than BCAL by market capitalization ($783M against $701M).
- FISI trades at 10.3 times trailing earnings, BCAL at 11.6 times.
- Over the last six months BCAL returned +14.3% and FISI +12.2%.
- FISI carries 9.75 times debt per unit of equity, against 6.06 times for BCAL.
- FISI yields 3.19% in dividends and BCAL 1.84%.
- Both companies share the SEC industry classification National Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BCAL | FISI |
|---|---|---|
| Market Cap | $701M | $783M |
| P/E Ratio | 11.59x | 10.34x |
| P/B Ratio | 1.21x | 1.38x |
| Dividend Yield | 1.84% | 3.19% |
| EPS | $1.88 | $3.84 |
| Book Value/Share | $18.08 | $28.87 |
| Revenue/Share | $7.17 | $12.35 |
| FCF/Share | $1.60 | $2.85 |
Profitability & Margins
| Metric | BCAL | FISI |
|---|---|---|
| ROE | 13.0% | – |
| ROA | 1.8% | – |
| Net Margin | 32.7% | – |
| EBT Margin | 44.9% | -42.8% |
| Tax Rate | 27.1% | 17.4% |
Financial Health
| Metric | BCAL | FISI |
|---|---|---|
| D/E Ratio | 6.06x | 9.75x |
| Financial Leverage | 7.06x | – |
Cash Flow
| Metric | BCAL | FISI |
|---|---|---|
| Operating Cash Flow | $52M | $32M |
| Free Cash Flow | $51M | $56M |
| Capital Spending | -$1M | $24M |
| OCF Growth YoY | -15.1% | -56.6% |
| FCF Growth YoY | 188.9% | -19.9% |
| FCF/Sales | 22.2% | 23.1% |
| CapEx/Sales | 0.5% | 9.8% |
Operational Efficiency
| Metric | BCAL | FISI |
|---|---|---|
| Asset Turnover | 0.06x | – |
| Fixed Assets Turnover | 19.2x | 6.4x |
Income Statement
| Metric | BCAL | FISI |
|---|---|---|
| Total Revenue | $231M | $243M |
| Net Income | $75M | – |
Dividend & Shareholder Information
| Metric | BCAL | FISI |
|---|---|---|
| Dividends Per Share | $0.40 | $1.27 |
| Payout Ratio | 21.3% | 33.1% |
| Shares Outstanding | 32M | 20M |
| Net Income Growth | 149.8% | – |
| EPS Growth | 370.0% | – |
BCAL vs FISI: stock comparison and AI forecast
Which is bigger, BCAL or FISI?
FISI is 1.1 times larger than BCAL by market capitalization ($783M against $701M).
Which is cheaper on earnings, BCAL or FISI?
FISI trades at 10.3 times trailing earnings, BCAL at 11.6 times.
Which stock performed better over the last six months, BCAL or FISI?
Over the last six months BCAL returned +14.3% and FISI +12.2%.
Which one does Intratio's AI model rank higher, BCAL or FISI?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.