BCAL vs ATLCP

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

Both BCAL and ATLCP are from the Financial Services sector.

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

BCAL vs ATLCP - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

BCAL

$612M

Winner

ATLCP

$613M

Max Drawdown

BCAL

52.35%

Winner

ATLCP

37.48%

Sharpe Ratio

Winner

BCAL

1.24

ATLCP

0.86

5Y Beta

BCAL

0.79

Winner

ATLCP

0.14

Industry

BCAL

Banks - Regional

ATLCP

Credit Services

P/E Ratio

BCAL

10.27

Winner

ATLCP

3.20

PEG Ratio

BCAL

0.04

ATLCP

N/A

Dividend Yield

BCAL

1.04%

ATLCP

N/A

Debt to Equity

BCAL

5.92%

ATLCP

N/A

Free Cash Flow Yield

BCAL

9.53%

ATLCP

N/A

P/S Ratio

BCAL

3.29

ATLCP

N/A

P/B Ratio

BCAL

1.06

ATLCP

N/A

BCAL vs ATLCP - Historical Returns

Returns include dividend reinvestment.

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

Winner

BCAL

+2.18%

ATLCP

+1.35%

Winner

BCAL

+7.02%

ATLCP

-1.71%

BCAL

-0.86%

Winner

ATLCP

+3.70%

Winner

BCAL

+34.01%

ATLCP

+13.85%

5Y(CAGR)

BCAL

+7.20%

Winner

ATLCP

+7.76%

10Y(CAGR)

BCAL

+8.97%

ATLCP

N/A

Max(CAGR)

Winner

BCAL

+8.95%

ATLCP

+7.76%

BCAL vs ATLCP - Annual Returns (2015 - 2026)

Returns include dividend reinvestment.

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

BCAL vs ATLCP Drawdown Comparison

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

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

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

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