ATLCP vs BCAL

Comparison between Atlanticus Holdings Corp (ATLCP, Company) and Southern Calif Bancorp (BCAL, Company).

Both ATLCP and BCAL are from the Financial Services sector.

5-Year PerformanceATLCP has outperformed BCAL, delivering a return of +7.8% compared to +7.2%

ATLCP vs BCAL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	ATLCP(COMPANY)	BCAL(COMPANY)
Market Cap	$613M	$612M
Max Drawdown	37.48%	52.35%
Sharpe Ratio	0.86	1.24
5Y Beta	0.14	0.79
Industry	Credit Services	Banks - Regional
P/E Ratio	3.20	10.27
PEG Ratio	N/A	0.04
Dividend Yield	N/A	1.04%
Debt to Equity	N/A	5.92%
Free Cash Flow Yield	N/A	9.53%
P/S Ratio	N/A	3.29
P/B Ratio	N/A	1.06

Market Cap

Winner

ATLCP

$613M

BCAL

$612M

Max Drawdown

Winner

ATLCP

37.48%

BCAL

52.35%

Sharpe Ratio

ATLCP

0.86

Winner

BCAL

1.24

5Y Beta

Winner

ATLCP

0.14

BCAL

0.79

Industry

ATLCP

Credit Services

BCAL

Banks - Regional

P/E Ratio

Winner

ATLCP

3.20

BCAL

10.27

PEG Ratio

ATLCP

N/A

BCAL

0.04

Dividend Yield

ATLCP

N/A

BCAL

1.04%

Debt to Equity

ATLCP

N/A

BCAL

5.92%

Free Cash Flow Yield

ATLCP

N/A

BCAL

9.53%

P/S Ratio

ATLCP

N/A

BCAL

3.29

P/B Ratio

ATLCP

N/A

BCAL

1.06

ATLCP vs BCAL - Historical Returns

Returns include dividend reinvestment.

Period	ATLCP	BCAL
1 month	+1.35%	+2.18%
3 months	-1.71%	+7.02%
6 months	+3.70%	-0.86%
1 year	+13.85%	+34.01%
5 years(CAGR)	+7.76%	+7.20%
10 years(CAGR)	N/A	+8.97%
Max(CAGR)	+7.76%	+8.95%

ATLCP

+1.35%

Winner

BCAL

+2.18%

ATLCP

-1.71%

Winner

BCAL

+7.02%

Winner

ATLCP

+3.70%

BCAL

-0.86%

ATLCP

+13.85%

Winner

BCAL

+34.01%

5Y(CAGR)

Winner

ATLCP

+7.76%

BCAL

+7.20%

10Y(CAGR)

ATLCP

N/A

BCAL

+8.97%

Max(CAGR)

ATLCP

+7.76%

Winner

BCAL

+8.95%

ATLCP vs BCAL - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

Year	ATLCP	BCAL
2026	+1.86%	+4.42%
2025	+13.94%	+15.35%
2024	+9.54%	-3.84%
2023	+40.70%	+3.58%
2022	-24.98%	+12.35%
2021	+6.18%	+17.57%
2020	N/A	+0.00%
2019	N/A	-5.55%
2018	N/A	-10.51%
2017	N/A	+28.26%
2016	N/A	+38.55%
2015	N/A	+4.40%

ATLCP vs BCAL Drawdown Comparison

The maximum drawdown for ATLCP was -30.60%, occurring on Mar 17, 2023. Recovery took 421 trading sessions.

The maximum drawdown for BCAL was -52.35%, occurring on Apr 15, 2020. Recovery took 1465 trading sessions.

The current ATLCP drawdown is -2.27%. The current BCAL drawdown is -3.27%.

Rank	ATLCP	BCAL
#1	-30.60% Apr 4, 2022 - Dec 6, 2023	-52.35% Feb 9, 2018 - Dec 19, 2023
#2	-12.64% Mar 6, 2026 - Jun 2, 2026	-32.26% Nov 25, 2024 - Oct 29, 2025
#3	-10.85% Mar 15, 2024 - Nov 13, 2024	-25.88% Dec 29, 2023 - Nov 12, 2024
#4	-7.69% Dec 15, 2023 - Mar 11, 2024	-20.97% May 3, 2017 - Jan 22, 2018
#5	-6.84% Dec 2, 2024 - Aug 26, 2025	-13.51% Dec 8, 2025 - Mar 20, 2026
#6	-5.13% Jan 25, 2022 - Apr 4, 2022	-9.26% Mar 15, 2017 - May 3, 2017
#7	-4.63% Sep 23, 2025 - Jan 13, 2026	-5.30% Dec 24, 2015 - Aug 23, 2016
#8	-2.64% Jun 2, 2026 - Jun 4, 2026	-4.30% Nov 11, 2025 - Nov 24, 2025
#9	-2.07% Sep 2, 2021 - Dec 2, 2021	-1.04% Nov 12, 2024 - Nov 21, 2024
#10	-1.54% Feb 27, 2026 - Mar 6, 2026	-0.62% Nov 25, 2025 - Dec 3, 2025
#11	-1.42% Jun 14, 2021 - Jul 6, 2021	-0.56% Dec 4, 2025 - Dec 8, 2025
#12	-1.21% Dec 8, 2023 - Dec 13, 2023	-0.37% Nov 5, 2025 - Nov 10, 2025
#13	-1.14% Nov 13, 2024 - Nov 19, 2024	-0.35% Dec 27, 2023 - Dec 29, 2023
#14	-1.13% Jan 21, 2026 - Feb 6, 2026	-0.12% Dec 22, 2023 - Dec 27, 2023
#15	-1.01% Feb 17, 2026 - Feb 26, 2026	N/A