California BanCorp (BCAL) vs Peoples Financial Services Corp. (PFIS)
A side-by-side comparison of California BanCorp and Peoples Financial Services 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 PFIS
growth of $100 · dividends reinvested · last 10yBCAL vs PFIS: by the numbers
- •BCAL is the larger company ($696M vs $695M market cap).
- •BCAL trades at the lower trailing earnings multiple (11.76 vs 12.28 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 19.74% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 21.36% CAGR).
- •PFIS pays the higher dividend yield (3.57% vs 1.38%).
Metrics side by side
Valuation
| Metric | BCAL | PFIS |
|---|---|---|
| P/E ratio | 11.76 | 12.28 |
| Forward P/E | 12.42 | 11.00 |
| PEG ratio | 0.37 | 1.53 |
| P/S ratio | 3.01 | 2.41 |
| P/B ratio | 1.19 | 1.30 |
Profitability
| Metric | BCAL | PFIS |
|---|---|---|
| Operating margin | 35.94% | 24.51% |
| Net margin | 26.02% | 19.74% |
| ROE | 10.26% | 10.59% |
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.
Peoples Financial Services 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 | PFIS |
|---|---|---|
| Dividend yield | 1.38% | 3.57% |
| Payout ratio | 16.30% | 44.12% |
Growth (annualized)
| Metric | BCAL | PFIS |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 21.36% |
| EPS CAGR (5Y) | 31.29% | 8.05% |
| Total return CAGR (5Y) | 7.09% | 12.72% |
Frequently asked
- Which has the lower trailing P/E, BCAL or PFIS?
- BCAL has the lower trailing P/E: BCAL trades at 11.76 and PFIS at 12.28. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or PFIS?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus PFIS at 21.36%.
- Does BCAL or PFIS pay a bigger dividend?
- BCAL yields 1.38% and PFIS yields 3.57% based on trailing dividends and the latest price.
- Is BCAL or PFIS more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus PFIS at 19.74%.
Go deeper
Dig into the metrics
California BanCorp & Peoples Financial Services 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.