BCAL vs CASS

Comparison between Southern Calif Bancorp (BCAL, Company) and Cass Information Systems Inc (CASS, Company).

BCAL is from the Financial Services sector, while CASS is from the Industrials sector.

5-Year PerformanceBCAL has outperformed CASS, delivering a return of +7.4% compared to +6.3%

BCAL vs CASS - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BCAL(COMPANY)	CASS(COMPANY)
Market Cap	$635M	$637M
Max Drawdown	52.35%	52.54%
Sharpe Ratio	1.49	0.84
5Y Beta	0.77	0.67
Industry	Banks - Regional	Specialty Business Services
P/E Ratio	10.65	18.47
Forward P/E	N/A	18.62
PEG Ratio	0.04	0.25
Dividend Yield	1.03%	2.62%
5Y Dividends CAGR	N/A	3.29%
5Y EPS CAGR	N/A	8.30%
Debt to Equity	5.92%	0.00%
Free Cash Flow Yield	9.20%	3.99%

Market Cap

BCAL

$635M

Winner

CASS

$637M

Max Drawdown

Winner

BCAL

52.35%

CASS

52.54%

Sharpe Ratio

Winner

BCAL

1.49

CASS

0.84

5Y Beta

BCAL

0.77

Winner

CASS

0.67

Industry

BCAL

Banks - Regional

CASS

Specialty Business Services

P/E Ratio

Winner

BCAL

10.65

CASS

18.47

Forward P/E

BCAL

N/A

CASS

18.62

PEG Ratio

Winner

BCAL

0.04

CASS

0.25

Dividend Yield

BCAL

1.03%

Winner

CASS

2.62%

5Y Dividends CAGR

BCAL

N/A

CASS

3.29%

5Y EPS CAGR

BCAL

N/A

CASS

8.30%

Debt to Equity

BCAL

5.92%

Winner

CASS

0.00%

Free Cash Flow Yield

Winner

BCAL

9.20%

CASS

3.99%

BCAL vs CASS - Historical Returns

Returns include dividend reinvestment.

Period	BCAL	CASS
1 month	+4.17%	+7.51%
3 months	+14.56%	+14.66%
6 months	+0.90%	+12.80%
1 year	+38.98%	+22.23%
5 years(CAGR)	+7.36%	+6.33%
10 years(CAGR)	+9.23%	+5.20%
Max(CAGR)	+9.17%	+11.34%

BCAL

+4.17%

Winner

CASS

+7.51%

BCAL

+14.56%

Winner

CASS

+14.66%

BCAL

+0.90%

Winner

CASS

+12.80%

Winner

BCAL

+38.98%

CASS

+22.23%

5Y(CAGR)

Winner

BCAL

+7.36%

CASS

+6.33%

10Y(CAGR)

Winner

BCAL

+9.23%

CASS

+5.20%

Max(CAGR)

BCAL

+9.17%

Winner

CASS

+11.34%

BCAL vs CASS - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	BCAL	CASS
2026	+7.02%	+23.74%
2025	+15.35%	+6.57%
2024	-3.84%	-7.38%
2023	+3.58%	+2.29%
2022	+12.35%	+18.15%
2021	+17.57%	+5.18%
2020	+0.00%	-30.33%
2019	-5.55%	+11.33%
2018	-10.51%	+10.24%
2017	+28.26%	-11.12%
2016	+38.55%	+51.44%
2015	+4.40%	+4.32%
2014	N/A	-17.09%
2013	N/A	+57.37%
2012	N/A	+26.43%
2011	N/A	+5.82%
2010	N/A	+25.49%
2009	N/A	+1.83%
2008	N/A	-6.88%
2007	N/A	+8.87%
2006	N/A	+70.14%
2005	N/A	+43.38%
2004	N/A	+18.58%
2003	N/A	+38.54%
2002	N/A	+4.83%
2001	N/A	+43.38%
2000	N/A	-8.32%
1999	N/A	-8.99%

BCAL vs CASS Drawdown Comparison

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

The maximum drawdown for CASS was -50.87%, occurring on Mar 18, 2020. This drawdown has not yet recovered.

The current BCAL drawdown is -0.86%. The current CASS drawdown is -1.52%.

Rank	BCAL	CASS
#1	-52.35% Feb 9, 2018 - Dec 19, 2023	-50.87% Jun 22, 2018 - Mar 18, 2020
#2	-32.26% Nov 25, 2024 - Oct 29, 2025	-40.38% Dec 30, 2013 - Nov 15, 2016
#3	-25.88% Dec 29, 2023 - Nov 12, 2024	-38.92% Aug 11, 2008 - Dec 6, 2010
#4	-20.97% May 3, 2017 - Jan 22, 2018	-30.13% Dec 10, 2007 - Aug 11, 2008
#5	-13.51% Dec 8, 2025 - Mar 20, 2026	-26.39% Jan 25, 2001 - Oct 5, 2001
#6	-9.26% Mar 15, 2017 - May 3, 2017	-24.26% Nov 9, 1999 - Jan 24, 2001
#7	-5.30% Dec 24, 2015 - Aug 23, 2016	-24.00% Apr 6, 2011 - Oct 27, 2011
#8	-4.30% Nov 11, 2025 - Nov 24, 2025	-22.87% Jun 28, 2006 - Sep 1, 2006
#9	-1.04% Nov 12, 2024 - Nov 21, 2024	-21.79% Sep 16, 2005 - Apr 19, 2006
#10	-0.62% Nov 25, 2025 - Dec 3, 2025	-20.02% Dec 27, 2016 - Jun 14, 2018
#11	-0.56% Dec 4, 2025 - Dec 8, 2025	-20.00% May 6, 2003 - Sep 10, 2003
#12	-0.37% Nov 5, 2025 - Nov 10, 2025	-18.06% Nov 15, 2006 - Nov 29, 2007
#13	-0.35% Dec 27, 2023 - Dec 29, 2023	-17.84% Nov 3, 2011 - Dec 6, 2011
#14	-0.12% Dec 22, 2023 - Dec 27, 2023	-17.34% Aug 14, 2013 - Nov 27, 2013
#15	N/A	-15.90% Sep 5, 2006 - Oct 27, 2006

Correlation

Correlation between BCAL and CASS is 0.54 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.54

-101

Dividend Comparison (1999 - 2026)

BCAL vs CASS dividend yield comparison.

Year	BCAL	CASS
2026	0.51%	1.29%
2025	0.54%	3.01%
2024	0.00%	2.96%
2023	0.00%	2.60%
2022	0.00%	2.47%
2021	0.00%	2.77%
2020	0.00%	2.78%
2019	0.00%	1.82%
2018	0.00%	1.69%
2017	0.00%	1.49%
2016	0.00%	1.21%
2015	0.00%	1.65%
2014	0.00%	1.52%
2013	0.00%	1.10%
2012	0.00%	1.53%
2011	0.00%	1.67%
2010	0.00%	1.53%
2009	0.00%	1.74%
2008	0.00%	1.61%
2007	0.00%	1.34%
2006	0.00%	1.22%
2005	0.00%	1.75%
2004	0.00%	2.40%
2003	0.00%	2.54%
2002	0.00%	3.29%
2001	0.00%	3.27%
2000	0.00%	4.57%
1999	0.00%	0.94%