California BanCorp (BCAL) vs Financial Institutions (FISI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Financial Institutions (FISI) has outperformed California BanCorp (BCAL) over the past year, gaining 44.4% versus a gain of 29.2%. Over five years, BCAL leads with a +39.2% price change compared with +23.5% for FISI. Financial Institutions is the larger company by market cap ($757.7 million vs $682.6 million), about 1.1 times the size.
On valuation, Financial Institutions trades at a lower forward P/E (8.9x vs 11.4x for California BanCorp). Financial Institutions offers the higher dividend yield (3.28% vs 1.41%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BCAL | FISI |
|---|---|---|
| Share price | $21.23 | $38.45 |
| Market cap | $682.56M | $757.71M |
| 1-day change | -1.58% | -1.54% |
| YTD return | +15.53% | +25.28% |
| 1-year return | +29.24% | +44.42% |
| 5-year return | +39.16% | +23.46% |
| P/E ratio (TTM) | 11.48 | 9.54 |
| Forward P/E | 11.43 | 8.94 |
| EPS (TTM) | $1.85 | $4.03 |
| Dividend yield | 1.41% | 3.28% |
| Annual dividend | $0.30 | $1.26 |
| 52-week high | $22.41 | $42.97 |
| 52-week low | $15.85 | $25.61 |
| Distance from 52-week high | -5.27% | -10.52% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +16.58% | +17.04% |
| Average volume | 208.13K | 144.04K |
| Shares outstanding | 32.15M | 19.71M |
| Employees | 297 | 631 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- FISI has outperformed BCAL by 15.2 percentage points over the past year.
- Financial Institutions offers a meaningfully higher dividend yield (3.28% vs 1.41%).
About California BanCorp
BCAL stock →California BanCorp operates as the bank holding company for California Bank of Commerce, N.A. that provides various financial products to individuals, professionals, and small- to medium-sized businesses in California, the United States.
Finance · Major Banks · 297 employees
About Financial Institutions
FISI stock →Financial Institutions, Inc., through its subsidiaries, provides banking and financial services to consumer, commercial, and municipal customers in New York. The company provides checking and savings account programs, including money market accounts, certificates of deposit, sweep investments, and individual retirement and other qualified plan accounts, as well as NOW accounts.
Finance · Major Banks · 631 employees
BCAL vs FISI FAQ
Which is bigger, California BanCorp or Financial Institutions?
Financial Institutions (FISI) is larger, with a market capitalization of $757.71M compared with $682.56M for California BanCorp (BCAL).
Which stock has performed better over the past year, BCAL or FISI?
FISI returned +44.42% over the past 12 months, compared with +29.24% for BCAL (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BCAL or FISI?
FISI has the lower trailing P/E at 9.5, versus 11.5 for BCAL. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, California BanCorp or Financial Institutions?
Financial Institutions has the higher yield at 3.28%, compared with 1.41% for California BanCorp.
Are California BanCorp and Financial Institutions in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.