California BanCorp (BCAL) vs Independent Bank (IBCP)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
California BanCorp (BCAL) has outperformed Independent Bank (IBCP) over the past year, gaining 27.1% versus a gain of 13.6%. Over five years, IBCP leads with a +62.0% price change compared with +37.9% for BCAL. Independent Bank is the larger company by market cap ($732.4 million vs $687.4 million), about 1.1 times the size.
On valuation, Independent Bank trades at a lower forward P/E (9.2x vs 11.5x for California BanCorp). Independent Bank offers the higher dividend yield (3.04% vs 1.40%).
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 | IBCP |
|---|---|---|
| Share price | $21.38 | $35.55 |
| Market cap | $687.38M | $732.42M |
| 1-day change | -1.29% | -0.67% |
| YTD return | +14.52% | +9.28% |
| 1-year return | +27.11% | +13.58% |
| 5-year return | +37.94% | +62.03% |
| P/E ratio (TTM) | 11.68 | 10.30 |
| Forward P/E | 11.51 | 9.17 |
| EPS (TTM) | $1.83 | $3.45 |
| Dividend yield | 1.40% | 3.04% |
| Annual dividend | $0.30 | $1.08 |
| 52-week high | $22.41 | $39.24 |
| 52-week low | $15.85 | $29.83 |
| Distance from 52-week high | -4.60% | -9.40% |
| Analyst consensus | strong_buy | buy |
| Avg. price target upside | +15.76% | +13.08% |
| Average volume | 208.48K | 195.81K |
| Shares outstanding | 32.15M | 20.60M |
| Employees | 297 | 735 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
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
- BCAL has outperformed IBCP by 13.5 percentage points over the past year.
- Independent Bank offers a meaningfully higher dividend yield (3.04% vs 1.40%).
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.
Financial Services · Banks - Regional · 297 employees
About Independent Bank
IBCP stock →Independent Bank Corporation operates as the bank holding company for Independent Bank that provides banking services in the United States. The company offers demand deposits, interest checking, money market accounts, savings accounts, and time certificates of deposit, including free checking accounts.
Financial Services · Banks - Regional · 735 employees
BCAL vs IBCP FAQ
Which is bigger, California BanCorp or Independent Bank?
Independent Bank (IBCP) is larger, with a market capitalization of $732.42M compared with $687.38M for California BanCorp (BCAL).
Which stock has performed better over the past year, BCAL or IBCP?
BCAL returned +27.11% over the past 12 months, compared with +13.58% for IBCP (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BCAL or IBCP?
IBCP has the lower trailing P/E at 10.3, versus 11.7 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 Independent Bank?
Independent Bank has the higher yield at 3.04%, compared with 1.40% for California BanCorp.
Are California BanCorp and Independent Bank in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.