California BanCorp (BCAL) vs Capital Bancorp, Inc. (CBNK)
A side-by-side comparison of California BanCorp and Capital Bancorp, Inc. across valuation, profitability, dividends, and growth — built entirely from reported fundamentals, as of October 6, 2026. Differences are shown without an overall score or investment verdict.
Total return — BCAL vs CBNK
growth of $100 · dividends reinvested · last 8yBCAL vs CBNK: by the numbers
- •BCAL is the larger company ($695M vs $647M market cap).
- •CBNK trades at the lower trailing earnings multiple (11.68 vs 11.74 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 19.26% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 10.99% CAGR).
- •BCAL pays the higher dividend yield (1.38% vs 1.25%).
Metrics side by side
Valuation
| Metric | BCAL | CBNK |
|---|---|---|
| P/E ratio | 11.74 | 11.68 |
| Forward P/E | 12.40 | 11.41 |
| PEG ratio | 0.37 | 0.92 |
| P/S ratio | 3.00 | 2.21 |
| P/B ratio | 1.18 | 1.53 |
Profitability
| Metric | BCAL | CBNK |
|---|---|---|
| Operating margin | 35.94% | 15.76% |
| Net margin | 26.02% | 19.26% |
| ROE | 10.26% | 13.35% |
California BanCorp: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Capital Bancorp, Inc.: Gross margin is not shown for a lender or insurer: its revenue is interest, premiums and fees rather than the sale of goods, so there is no cost of goods sold to measure it against.
Dividends
| Metric | BCAL | CBNK |
|---|---|---|
| Dividend yield | 1.38% | 1.25% |
| Payout ratio | 16.30% | 14.71% |
Growth (annualized)
| Metric | BCAL | CBNK |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 10.99% |
| EPS CAGR (5Y) | 31.29% | 13.03% |
| Total return CAGR (5Y) | 7.09% | 11.49% |
Frequently asked
- Which has the lower trailing P/E, BCAL or CBNK?
- CBNK has the lower trailing P/E: BCAL trades at 11.74 and CBNK at 11.68. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or CBNK?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus CBNK at 10.99%.
- Does BCAL or CBNK pay a bigger dividend?
- BCAL yields 1.38% and CBNK yields 1.25% based on trailing dividends and the latest price.
- Is BCAL or CBNK more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus CBNK at 19.26%.
- How have BCAL and CBNK total returns compared?
- Over the past 5 years, BCAL delivered 7.09% and CBNK delivered 11.49% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & Capital Bancorp appear in these rankings
Figures are sourced from reported fundamentals and the latest end-of-day price. This comparison is informational only and is not investment advice. Past performance does not predict future results. See our methodology. Compiled by TGMCharts Research · data verified October 6, 2026.