BCAL vs PAR

Comparison between Southern Calif Bancorp (BCAL, Company) and Par Technology Corp (PAR, Company).

BCAL is from the Financial Services sector, while PAR is from the Technology sector.

5-Year PerformanceBCAL has outperformed PAR, delivering a return of +7.2% compared to -27.0%

BCAL vs PAR - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BCAL(COMPANY)	PAR(COMPANY)
Market Cap	$612M	$613M
Max Drawdown	52.35%	88.42%
Sharpe Ratio	1.24	-2.08
5Y Beta	0.79	1.42
Industry	Banks - Regional	Software - Application
P/E Ratio	10.27	-7.94
Forward P/E	N/A	9.27
PEG Ratio	0.04	-0.00
Dividend Yield	1.04%	N/A
5Y EPS CAGR	N/A	2.39%
Debt to Equity	5.92%	51.37%
Free Cash Flow Yield	9.53%	-4.87%
P/S Ratio	3.29	1.29
P/B Ratio	1.06	0.74

Market Cap

BCAL

$612M

Winner

PAR

$613M

Max Drawdown

Winner

BCAL

52.35%

PAR

88.42%

Sharpe Ratio

Winner

BCAL

1.24

PAR

-2.08

5Y Beta

Winner

BCAL

0.79

PAR

1.42

Industry

BCAL

Banks - Regional

PAR

Software - Application

P/E Ratio

BCAL

10.27

Winner

PAR

-7.94

Forward P/E

BCAL

N/A

PAR

9.27

PEG Ratio

BCAL

0.04

Winner

PAR

-0.00

Dividend Yield

BCAL

1.04%

PAR

N/A

5Y EPS CAGR

BCAL

N/A

PAR

2.39%

Debt to Equity

Winner

BCAL

5.92%

PAR

51.37%

Free Cash Flow Yield

Winner

BCAL

9.53%

PAR

-4.87%

P/S Ratio

BCAL

3.29

Winner

PAR

1.29

P/B Ratio

BCAL

1.06

Winner

PAR

0.74

BCAL vs PAR - Historical Returns

Returns include dividend reinvestment.

Period	BCAL	PAR
1 month	+2.18%	-2.25%
3 months	+7.02%	-31.05%
6 months	-0.86%	-60.79%
1 year	+34.01%	-79.41%
5 years(CAGR)	+7.20%	-26.97%
10 years(CAGR)	+8.97%	+11.13%
Max(CAGR)	+8.95%	+5.86%

Winner

BCAL

+2.18%

PAR

-2.25%

Winner

BCAL

+7.02%

PAR

-31.05%

Winner

BCAL

-0.86%

PAR

-60.79%

Winner

BCAL

+34.01%

PAR

-79.41%

5Y(CAGR)

Winner

BCAL

+7.20%

PAR

-26.97%

10Y(CAGR)

BCAL

+8.97%

Winner

PAR

+11.13%

Max(CAGR)

Winner

BCAL

+8.95%

PAR

+5.86%

BCAL vs PAR - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

Year	BCAL	PAR
2026	+4.42%	-62.33%
2025	+15.35%	-49.27%
2024	-3.84%	+70.23%
2023	+3.58%	+64.05%
2022	+12.35%	-50.95%
2021	+17.57%	-12.39%
2020	+0.00%	+98.83%
2019	-5.55%	+39.85%
2018	-10.51%	+136.41%
2017	+28.26%	+70.00%
2016	+38.55%	-13.35%
2015	+4.40%	+12.73%
2014	N/A	+14.95%
2013	N/A	+9.44%
2012	N/A	+23.12%
2011	N/A	-34.11%
2010	N/A	-5.46%
2009	N/A	+0.70%
2008	N/A	-26.97%
2007	N/A	-13.37%
2006	N/A	-51.23%
2005	N/A	+146.76%
2004	N/A	+44.39%
2003	N/A	+16.30%
2002	N/A	+165.39%
2001	N/A	+38.66%
2000	N/A	-62.94%
1999	N/A	+5.56%

BCAL vs PAR Drawdown Comparison

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

The maximum drawdown for PAR was -88.42%, occurring on Nov 25, 2008. Recovery took 3301 trading sessions.

The current BCAL drawdown is -3.27%. The current PAR drawdown is -84.83%.

Rank	BCAL	PAR
#1	-52.35% Feb 9, 2018 - Dec 19, 2023	-88.42% Jul 22, 2005 - Aug 31, 2018
#2	-32.26% Nov 25, 2024 - Oct 29, 2025	-86.68% Feb 22, 2021 - Apr 10, 2026
#3	-25.88% Dec 29, 2023 - Nov 12, 2024	-72.99% Feb 8, 2000 - Oct 18, 2002
#4	-20.97% May 3, 2017 - Jan 22, 2018	-69.20% Jan 29, 2020 - Aug 6, 2020
#5	-13.51% Dec 8, 2025 - Mar 20, 2026	-44.14% Dec 3, 2002 - Dec 2, 2003
#6	-9.26% Mar 15, 2017 - May 3, 2017	-37.19% Aug 31, 2018 - Feb 13, 2019
#7	-5.30% Dec 24, 2015 - Aug 23, 2016	-32.11% Apr 5, 2004 - Jan 25, 2005
#8	-4.30% Nov 11, 2025 - Nov 24, 2025	-25.21% Jun 10, 2019 - Nov 8, 2019
#9	-1.04% Nov 12, 2024 - Nov 21, 2024	-22.66% Feb 25, 2019 - May 28, 2019
#10	-0.62% Nov 25, 2025 - Dec 3, 2025	-19.81% Sep 28, 2020 - Nov 11, 2020
#11	-0.56% Dec 4, 2025 - Dec 8, 2025	-16.28% Nov 19, 1999 - Jan 19, 2000
#12	-0.37% Nov 5, 2025 - Nov 10, 2025	-15.49% Jan 20, 2021 - Feb 2, 2021
#13	-0.35% Dec 27, 2023 - Dec 29, 2023	-13.90% Mar 5, 2004 - Apr 1, 2004
#14	-0.12% Dec 22, 2023 - Dec 27, 2023	-12.12% Dec 17, 2020 - Jan 14, 2021
#15	N/A	-11.69% Jun 17, 2005 - Jul 12, 2005