BCAL vs CSV

Comparison between Southern Calif Bancorp (BCAL, Company) and Carriage Services Inc (CSV, Company).

BCAL is from the Financial Services sector, while CSV is from the Consumer Cyclical sector.

5-Year PerformanceBCAL has outperformed CSV, delivering a return of +7.5% compared to +2.4%

BCAL vs CSV - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BCAL(COMPANY)	CSV(COMPANY)
Market Cap	$636M	$635M
Max Drawdown	52.35%	87.05%
Sharpe Ratio	1.24	-0.52
5Y Beta	0.78	0.45
Industry	Banks - Regional	Personal Services
P/E Ratio	10.67	14.32
Forward P/E	N/A	11.11
PEG Ratio	0.04	0.83
Dividend Yield	1.02%	1.19%
5Y Dividends CAGR	N/A	9.18%
5Y EPS CAGR	N/A	8.61%
Debt to Equity	5.92%	2.33%
Free Cash Flow Yield	9.18%	6.37%
P/S Ratio	3.44	1.47
P/B Ratio	1.09	2.29

Market Cap

Winner

BCAL

$636M

CSV

$635M

Max Drawdown

Winner

BCAL

52.35%

CSV

87.05%

Sharpe Ratio

Winner

BCAL

1.24

CSV

-0.52

5Y Beta

BCAL

0.78

Winner

CSV

0.45

Industry

BCAL

Banks - Regional

CSV

Personal Services

P/E Ratio

Winner

BCAL

10.67

CSV

14.32

Forward P/E

BCAL

N/A

CSV

11.11

PEG Ratio

Winner

BCAL

0.04

CSV

0.83

Dividend Yield

BCAL

1.02%

Winner

CSV

1.19%

5Y Dividends CAGR

BCAL

N/A

CSV

9.18%

5Y EPS CAGR

BCAL

N/A

CSV

8.61%

Debt to Equity

BCAL

5.92%

Winner

CSV

2.33%

Free Cash Flow Yield

Winner

BCAL

9.18%

CSV

6.37%

P/S Ratio

BCAL

3.44

Winner

CSV

1.47

P/B Ratio

Winner

BCAL

1.09

CSV

2.29

BCAL vs CSV - Historical Returns

Returns include dividend reinvestment.

Period	BCAL	CSV
1 month	+5.67%	-7.06%
3 months	+13.36%	-3.50%
6 months	+1.05%	-7.74%
1 year	+34.41%	-9.42%
5 years(CAGR)	+7.45%	+2.38%
10 years(CAGR)	+9.26%	+7.27%
Max(CAGR)	+9.20%	+7.64%

Winner

BCAL

+5.67%

CSV

-7.06%

Winner

BCAL

+13.36%

CSV

-3.50%

Winner

BCAL

+1.05%

CSV

-7.74%

Winner

BCAL

+34.41%

CSV

-9.42%

5Y(CAGR)

Winner

BCAL

+7.45%

CSV

+2.38%

10Y(CAGR)

Winner

BCAL

+9.26%

CSV

+7.27%

Max(CAGR)

Winner

BCAL

+9.20%

CSV

+7.64%

BCAL vs CSV - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	BCAL	CSV
2026	+7.19%	-2.38%
2025	+15.35%	+9.56%
2024	-3.84%	+61.21%
2023	+3.58%	-11.02%
2022	+12.35%	-54.82%
2021	+17.57%	+110.24%
2020	+0.00%	+25.86%
2019	-5.55%	+66.54%
2018	-10.51%	-39.49%
2017	+28.26%	-9.09%
2016	+38.55%	+23.02%
2015	+4.40%	+20.06%
2014	N/A	+3.77%
2013	N/A	+46.28%
2012	N/A	+118.16%
2011	N/A	+17.49%
2010	N/A	+22.47%
2009	N/A	+83.64%
2008	N/A	-77.59%
2007	N/A	+73.23%
2006	N/A	+2.21%
2005	N/A	+0.40%
2004	N/A	+29.66%
2003	N/A	-9.09%
2002	N/A	-24.05%
2001	N/A	+266.48%
2000	N/A	-72.21%
1999	N/A	-12.03%

BCAL vs CSV Drawdown Comparison

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

The maximum drawdown for CSV was -87.05%, occurring on Mar 19, 2009. Recovery took 1238 trading sessions.

The current BCAL drawdown is -0.71%. The current CSV drawdown is -35.06%.

Rank	BCAL	CSV
#1	-52.35% Feb 9, 2018 - Dec 19, 2023	-87.05% Nov 27, 2007 - Oct 24, 2012
#2	-32.26% Nov 25, 2024 - Oct 29, 2025	-83.61% Nov 9, 1999 - Aug 1, 2001
#3	-25.88% Dec 29, 2023 - Nov 12, 2024	-68.54% Dec 29, 2021 - Nov 13, 2023
#4	-20.97% May 3, 2017 - Jan 22, 2018	-65.53% Aug 15, 2001 - Apr 16, 2007
#5	-13.51% Dec 8, 2025 - Mar 20, 2026	-51.01% Dec 13, 2019 - Nov 13, 2020
#6	-9.26% Mar 15, 2017 - May 3, 2017	-48.75% Dec 27, 2016 - Dec 13, 2019
#7	-5.30% Dec 24, 2015 - Aug 23, 2016	-28.66% Jan 22, 2014 - Jan 23, 2015
#8	-4.30% Nov 11, 2025 - Nov 24, 2025	-23.14% Apr 10, 2013 - Jan 14, 2014
#9	-1.04% Nov 12, 2024 - Nov 21, 2024	-21.51% Dec 4, 2015 - Nov 11, 2016
#10	-0.62% Nov 25, 2025 - Dec 3, 2025	-18.66% May 21, 2015 - Dec 2, 2015
#11	-0.56% Dec 4, 2025 - Dec 8, 2025	-15.39% Jul 23, 2007 - Oct 22, 2007
#12	-0.37% Nov 5, 2025 - Nov 10, 2025	-14.43% May 10, 2007 - Jul 16, 2007
#13	-0.35% Dec 27, 2023 - Dec 29, 2023	-13.88% Nov 1, 1999 - Nov 9, 1999
#14	-0.12% Dec 22, 2023 - Dec 27, 2023	-11.57% Sep 3, 2021 - Oct 28, 2021
#15	N/A	-10.75% Jun 1, 2021 - Aug 11, 2021

Correlation

Correlation between BCAL and CSV is 0.64 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.64

-101

Dividend Comparison (2011 - 2026)

BCAL vs CSV dividend yield comparison.

Year	BCAL	CSV
2026	0.51%	0.56%
2025	0.54%	1.06%
2024	0.00%	1.13%
2023	0.00%	1.80%
2022	0.00%	1.63%
2021	0.00%	0.64%
2020	0.00%	1.08%
2019	0.00%	1.17%
2018	0.00%	1.94%
2017	0.00%	0.88%
2016	0.00%	0.52%
2015	0.00%	0.41%
2014	0.00%	0.48%
2013	0.00%	0.67%
2012	0.00%	0.84%
2011	0.00%	1.34%