California BanCorp (BCAL) vs Midland States Bancorp, Inc. (MSBI)
A side-by-side comparison of California BanCorp and Midland States 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 MSBI
growth of $100 · dividends reinvested · last 10yBCAL vs MSBI: by the numbers
- •BCAL is the larger company ($697M vs $680M market cap).
- •BCAL trades at the lower trailing earnings multiple (11.77 vs 20.49 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 9.71% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 7.02% CAGR).
- •MSBI pays the higher dividend yield (3.89% vs 1.38%).
Metrics side by side
Valuation
| Metric | BCAL | MSBI |
|---|---|---|
| P/E ratio | 11.77 | 20.49 |
| Forward P/E | 12.43 | 9.81 |
| PEG ratio | 0.37 | N/A |
| P/S ratio | 3.01 | 1.54 |
| P/B ratio | 1.19 | 1.48 |
Profitability
| Metric | BCAL | MSBI |
|---|---|---|
| Operating margin | 35.94% | -22.08% |
| Net margin | 26.02% | 9.71% |
| ROE | 10.26% | 7.55% |
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.
Midland States 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 | MSBI |
|---|---|---|
| Dividend yield | 1.38% | 3.89% |
| Payout ratio | 16.30% | 80.63% |
Growth (annualized)
| Metric | BCAL | MSBI |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 7.02% |
| EPS CAGR (5Y) | 31.29% | N/A |
| Total return CAGR (5Y) | 7.09% | 10.69% |
Frequently asked
- Which has the lower trailing P/E, BCAL or MSBI?
- BCAL has the lower trailing P/E: BCAL trades at 11.77 and MSBI at 20.49. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or MSBI?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus MSBI at 7.02%.
- Does BCAL or MSBI pay a bigger dividend?
- BCAL yields 1.38% and MSBI yields 3.89% based on trailing dividends and the latest price.
- Is BCAL or MSBI more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus MSBI at 9.71%.
- How have BCAL and MSBI total returns compared?
- Over the past 10 years, BCAL delivered 9.44% and MSBI delivered 7.19% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & Midland States 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.