California BanCorp (BCAL) vs VersaBank (VBNK)
A side-by-side comparison of California BanCorp and VersaBank 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 VBNK
growth of $100 · dividends reinvested · last 9yBCAL vs VBNK: by the numbers
- •VBNK is the larger company ($717M vs $697M market cap).
- •BCAL trades at the lower trailing earnings multiple (11.77 vs 29.27 P/E), one valuation lens rather than an overall verdict.
- •BCAL converts more revenue to profit (26.02% vs 11.72% net margin).
- •BCAL grew revenue faster over the past five years (29.76% vs 24.27% CAGR).
- •BCAL pays the higher dividend yield (1.38% vs 0.32%).
Metrics side by side
Valuation
| Metric | BCAL | VBNK |
|---|---|---|
| P/E ratio | 11.77 | 29.27 |
| Forward P/E | 12.43 | N/A |
| PEG ratio | 0.37 | 33.64 |
| P/S ratio | 3.01 | 3.42 |
| P/B ratio | 1.19 | 1.78 |
Profitability
| Metric | BCAL | VBNK |
|---|---|---|
| Operating margin | 35.94% | 34.51% |
| Net margin | 26.02% | 11.72% |
| ROE | 10.26% | 6.09% |
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.
VersaBank: 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 | VBNK |
|---|---|---|
| Dividend yield | 1.38% | 0.32% |
| Payout ratio | 16.30% | 9.42% |
Growth (annualized)
| Metric | BCAL | VBNK |
|---|---|---|
| Revenue CAGR (5Y) | 29.76% | 24.27% |
| EPS CAGR (5Y) | 31.29% | 0.87% |
| Total return CAGR (5Y) | 7.09% | 15.30% |
Frequently asked
- Which has the lower trailing P/E, BCAL or VBNK?
- BCAL has the lower trailing P/E: BCAL trades at 11.77 and VBNK at 29.27. P/E is one valuation measure and does not by itself establish which business is cheaper.
- Which has grown faster, BCAL or VBNK?
- Over the past five years, BCAL grew revenue faster — BCAL at a 29.76% CAGR versus VBNK at 24.27%.
- Does BCAL or VBNK pay a bigger dividend?
- BCAL yields 1.38% and VBNK yields 0.32% based on trailing dividends and the latest price.
- Is BCAL or VBNK more profitable?
- BCAL runs the higher net margin — BCAL at 26.02% versus VBNK at 11.72%.
- How have BCAL and VBNK total returns compared?
- Over the past 5 years, BCAL delivered 7.09% and VBNK delivered 15.30% annualized total return. Past performance doesn't predict future results.
Go deeper
Dig into the metrics
California BanCorp & VersaBank 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.