BCAL vs PFIS: stock comparison and AI forecast
California Bancorp \ Ca (BCAL) and Peoples Financial Services Corp. (PFIS) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BCAL California Bancorp \ Ca
- Market Cap
- $701M
- P/E Ratio
- 11.6x
- Size
- small-cap
- AI Forecast
PFIS Peoples Financial Services Corp.
- Market Cap
- $723M
- P/E Ratio
- 11.9x
- 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.
Key facts
- BCAL and PFIS have similar market capitalizations ($701M and $723M).
- BCAL trades at 11.6 times trailing earnings, PFIS at 11.9 times.
- BCAL turns 32.7% of its revenue into net income, against 30.7% for PFIS.
- PFIS carries 9.50 times debt per unit of equity, against 6.06 times for BCAL.
- PFIS yields 3.44% 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 | PFIS |
|---|---|---|
| Market Cap | $701M | $723M |
| P/E Ratio | 11.59x | 11.94x |
| P/B Ratio | 1.21x | 1.37x |
| Dividend Yield | 1.84% | 3.44% |
| EPS | $1.88 | $6.05 |
| Book Value/Share | $18.08 | $52.88 |
| Revenue/Share | $7.17 | $19.71 |
| FCF/Share | $1.60 | $4.54 |
Profitability & Margins
| Metric | BCAL | PFIS |
|---|---|---|
| ROE | 13.0% | 11.5% |
| ROA | 1.8% | 1.1% |
| Net Margin | 32.7% | 30.7% |
| EBT Margin | 44.9% | 37.5% |
| Tax Rate | 27.1% | 18.1% |
Financial Health
| Metric | BCAL | PFIS |
|---|---|---|
| D/E Ratio | 6.06x | 9.50x |
| Financial Leverage | 7.06x | 10.50x |
Cash Flow
| Metric | BCAL | PFIS |
|---|---|---|
| Operating Cash Flow | $52M | $53M |
| Free Cash Flow | $51M | $45M |
| Capital Spending | -$1M | -$8M |
| OCF Growth YoY | -15.1% | 27.9% |
| FCF Growth YoY | 188.9% | 27.0% |
| FCF/Sales | 22.2% | 23.0% |
| CapEx/Sales | 0.5% | 3.9% |
Operational Efficiency
| Metric | BCAL | PFIS |
|---|---|---|
| Asset Turnover | 0.06x | 0.04x |
| Fixed Assets Turnover | 19.2x | 2.2x |
Income Statement
| Metric | BCAL | PFIS |
|---|---|---|
| Total Revenue | $231M | $197M |
| Net Income | $75M | $61M |
Dividend & Shareholder Information
| Metric | BCAL | PFIS |
|---|---|---|
| Dividends Per Share | $0.40 | $2.49 |
| Payout Ratio | 21.3% | 41.2% |
| Shares Outstanding | 32M | 10M |
| Net Income Growth | 149.8% | 13.8% |
| EPS Growth | 370.0% | -0.8% |
BCAL vs PFIS: stock comparison and AI forecast
Which is bigger, BCAL or PFIS?
BCAL and PFIS have similar market capitalizations ($701M and $723M).
Which is cheaper on earnings, BCAL or PFIS?
BCAL trades at 11.6 times trailing earnings, PFIS at 11.9 times.
Which one does Intratio's AI model rank higher, BCAL or PFIS?
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.