California BanCorp (BCAL) vs Financial Institutions, Inc. (FISI)
A side-by-side comparison of California BanCorp and Financial Institutions, 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 FISI
growth of $100 · dividends reinvested · last 10yBCAL vs FISI: by the numbers
- •FISI is the larger company ($778M vs $698M market cap).
- •FISI trades at the lower trailing earnings multiple (9.79 vs 11.80 P/E), one valuation lens rather than an overall verdict.
- •FISI converts more revenue to profit (26.18% vs 26.02% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 8.78% CAGR).
- •FISI pays the higher dividend yield (3.20% vs 1.38%).
Metrics side by side
Valuation
| Metric | BCAL | FISI |
|---|---|---|
| P/E ratio | 11.80 | 9.79 |
| Forward P/E | 12.46 | 9.44 |
| PEG ratio | 0.37 | 1.04 |
| P/S ratio | 3.02 | 2.47 |
| P/B ratio | 1.19 | 1.24 |
Profitability
| Metric | BCAL | FISI |
|---|---|---|
| Operating margin | 35.94% | 24.17% |
| Net margin | 26.02% | 26.18% |
| ROE | 10.26% | 12.84% |
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.
Financial Institutions, 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 | FISI |
|---|---|---|
| Dividend yield | 1.38% | 3.20% |
| Payout ratio | 16.30% | 31.44% |
Growth (annualized)
| Metric | BCAL | FISI |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 8.78% |
| EPS CAGR (5Y) | 31.29% | 9.68% |
| Total return CAGR (5Y) | 7.09% | 10.04% |
Frequently asked
- Which has the lower trailing P/E, BCAL or FISI?
- FISI has the lower trailing P/E: BCAL trades at 11.80 and FISI at 9.79. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or FISI?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus FISI at 8.78%.
- Does BCAL or FISI pay a bigger dividend?
- BCAL yields 1.38% and FISI yields 3.20% based on trailing dividends and the latest price.
- Is BCAL or FISI more profitable?
- FISI runs the higher net margin — BCAL at 26.02% versus FISI at 26.18%.
- How have BCAL and FISI total returns compared?
- Over the past 10 years, BCAL delivered 9.44% and FISI delivered 8.47% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & Financial Institutions 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.