California BanCorp (BCAL) vs Donegal Group Inc. (DGICA)
A side-by-side comparison of California BanCorp and Donegal Group 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 DGICA
growth of $100 · dividends reinvested · last 10yBCAL vs DGICA: by the numbers
- •BCAL is the larger company ($698M vs $672M market cap).
- •DGICA trades at the lower trailing earnings multiple (9.21 vs 11.79 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 7.38% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 3.86% CAGR).
- •DGICA pays the higher dividend yield (4.11% vs 1.38%).
Metrics side by side
Valuation
| Metric | BCAL | DGICA |
|---|---|---|
| P/E ratio | 11.79 | 9.21 |
| Forward P/E | 12.45 | 10.13 |
| PEG ratio | 0.37 | 2.59 |
| P/S ratio | 3.02 | 0.70 |
| P/B ratio | 1.19 | 1.01 |
Profitability
| Metric | BCAL | DGICA |
|---|---|---|
| Operating margin | 35.94% | 9.10% |
| Net margin | 26.02% | 7.38% |
| ROE | 10.26% | 10.67% |
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.
Donegal Group 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 | DGICA |
|---|---|---|
| Dividend yield | 1.38% | 4.11% |
| Payout ratio | 16.30% | 37.88% |
Growth (annualized)
| Metric | BCAL | DGICA |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 3.86% |
| EPS CAGR (5Y) | 31.29% | 4.28% |
| Total return CAGR (5Y) | 7.09% | 9.25% |
Frequently asked
- Which has the lower trailing P/E, BCAL or DGICA?
- DGICA has the lower trailing P/E: BCAL trades at 11.79 and DGICA at 9.21. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or DGICA?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus DGICA at 3.86%.
- Does BCAL or DGICA pay a bigger dividend?
- BCAL yields 1.38% and DGICA yields 4.11% based on trailing dividends and the latest price.
- Is BCAL or DGICA more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus DGICA at 7.38%.
- How have BCAL and DGICA total returns compared?
- Over the past 10 years, BCAL delivered 9.44% and DGICA delivered 5.43% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & Donegal 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.