California BanCorp (BCAL) vs Farmers National Banc Corp. (FMNB)
A side-by-side comparison of California BanCorp and Farmers National Banc Corp. 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 FMNB
growth of $100 · dividends reinvested · last 10yBCAL vs FMNB: by the numbers
- •BCAL is the larger company ($698M vs $679M market cap).
- •FMNB trades at the lower trailing earnings multiple (10.61 vs 11.79 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 20.84% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 13.43% CAGR).
- •FMNB pays the higher dividend yield (4.52% vs 1.38%).
Metrics side by side
Valuation
| Metric | BCAL | FMNB |
|---|---|---|
| P/E ratio | 11.79 | 10.61 |
| Forward P/E | 12.45 | 9.71 |
| PEG ratio | 0.37 | N/A |
| P/S ratio | 3.02 | 2.37 |
| P/B ratio | 1.19 | 0.87 |
Profitability
| Metric | BCAL | FMNB |
|---|---|---|
| Operating margin | 35.94% | 25.27% |
| Net margin | 26.02% | 20.84% |
| ROE | 10.26% | 7.61% |
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.
Farmers National Banc Corp.: 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 | FMNB |
|---|---|---|
| Dividend yield | 1.38% | 4.52% |
| Payout ratio | 16.30% | 47.92% |
Growth (annualized)
| Metric | BCAL | FMNB |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 13.43% |
| EPS CAGR (5Y) | 31.29% | -0.27% |
| Total return CAGR (5Y) | 7.09% | 3.03% |
Frequently asked
- Which has the lower trailing P/E, BCAL or FMNB?
- FMNB has the lower trailing P/E: BCAL trades at 11.79 and FMNB at 10.61. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or FMNB?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus FMNB at 13.43%.
- Does BCAL or FMNB pay a bigger dividend?
- BCAL yields 1.38% and FMNB yields 4.52% based on trailing dividends and the latest price.
- Is BCAL or FMNB more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus FMNB at 20.84%.
- How have BCAL and FMNB total returns compared?
- Over the past 10 years, BCAL delivered 9.44% and FMNB delivered 7.40% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & Farmers National Banc 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.