BCAL vs TIPT

Comparison between Southern Calif Bancorp (BCAL, Company) and Tiptree Inc (TIPT, Company).

Both BCAL and TIPT are from the Financial Services sector.

5-Year PerformanceTIPT has outperformed BCAL, delivering a return of +14.9% compared to +8.5%

BCAL vs TIPT - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	BCAL(COMPANY)	TIPT(COMPANY)
Market Cap	$670M	$671M
Max Drawdown	52.35%	55.89%
Sharpe Ratio	0.99	-0.56
5Y Beta	0.77	0.61
Industry	Banks - Regional	Insurance - Specialty
P/E Ratio	11.24	14.83
Forward P/E	N/A	12.11
PEG Ratio	0.05	3.14
Dividend Yield	0.94%	1.34%
5Y Dividends CAGR	N/A	14.87%
5Y EPS CAGR	N/A	-7.82%
Debt to Equity	5.92%	14.30%
Free Cash Flow Yield	8.71%	26.21%
P/S Ratio	3.62	0.29
P/B Ratio	1.18	1.33

Market Cap

BCAL

$670M

Winner

TIPT

$671M

Max Drawdown

Winner

BCAL

52.35%

TIPT

55.89%

Sharpe Ratio

Winner

BCAL

0.99

TIPT

-0.56

5Y Beta

BCAL

0.77

Winner

TIPT

0.61

Industry

BCAL

Banks - Regional

TIPT

Insurance - Specialty

P/E Ratio

Winner

BCAL

11.24

TIPT

14.83

Forward P/E

BCAL

N/A

TIPT

12.11

PEG Ratio

Winner

BCAL

0.05

TIPT

3.14

Dividend Yield

BCAL

0.94%

Winner

TIPT

1.34%

5Y Dividends CAGR

BCAL

N/A

TIPT

14.87%

5Y EPS CAGR

BCAL

N/A

TIPT

-7.82%

Debt to Equity

Winner

BCAL

5.92%

TIPT

14.30%

Free Cash Flow Yield

BCAL

8.71%

Winner

TIPT

26.21%

P/S Ratio

BCAL

3.62

Winner

TIPT

0.29

P/B Ratio

Winner

BCAL

1.18

TIPT

1.33

BCAL vs TIPT - Historical Returns

Returns include dividend reinvestment.

Period	BCAL	TIPT
1 month	+2.17%	-0.62%
3 months	+12.65%	+1.98%
6 months	+14.04%	+2.12%
1 year	+27.00%	-17.93%
5 years(CAGR)	+8.53%	+14.87%
10 years(CAGR)	+9.83%	+13.83%
Max(CAGR)	+9.65%	+11.13%

Winner

BCAL

+2.17%

TIPT

-0.62%

Winner

BCAL

+12.65%

TIPT

+1.98%

Winner

BCAL

+14.04%

TIPT

+2.12%

Winner

BCAL

+27.00%

TIPT

-17.93%

5Y(CAGR)

BCAL

+8.53%

Winner

TIPT

+14.87%

10Y(CAGR)

BCAL

+9.83%

Winner

TIPT

+13.83%

Max(CAGR)

BCAL

+9.65%

Winner

TIPT

+11.13%

BCAL vs TIPT - Annual Returns (2010 - 2026)

Returns include dividend reinvestment.

Year	BCAL	TIPT
2026	+13.05%	-1.96%
2025	+15.35%	-9.29%
2024	-3.84%	+14.13%
2023	+3.58%	+36.04%
2022	+12.35%	-0.20%
2021	+17.57%	+184.21%
2020	+0.00%	-36.28%
2019	-5.55%	+48.00%
2018	-10.51%	-5.59%
2017	+28.26%	-3.80%
2016	+38.55%	+10.37%
2015	+4.40%	-21.45%
2014	N/A	+9.61%
2013	N/A	+0.33%
2012	N/A	+24.81%
2011	N/A	+45.26%
2010	N/A	-1.66%

BCAL vs TIPT Drawdown Comparison

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

The maximum drawdown for TIPT was -51.21%, occurring on Mar 18, 2020. Recovery took 1703 trading sessions.

The current BCAL drawdown is -3.82%. The current TIPT drawdown is -30.39%.

Rank	BCAL	TIPT
#1	-52.35% Feb 9, 2018 - Dec 19, 2023	-51.21% Jun 25, 2014 - Mar 31, 2021
#2	-32.26% Nov 25, 2024 - Oct 29, 2025	-42.34% Apr 23, 2021 - Oct 14, 2021
#3	-25.88% Dec 29, 2023 - Nov 12, 2024	-39.05% Nov 4, 2021 - Feb 10, 2023
#4	-20.97% May 3, 2017 - Jan 22, 2018	-37.86% Sep 12, 2025 - Mar 19, 2026
#5	-13.51% Dec 8, 2025 - Jun 23, 2026	-25.49% Feb 22, 2023 - Aug 28, 2023
#6	-9.26% Mar 15, 2017 - May 3, 2017	-25.28% Jun 14, 2012 - Aug 23, 2012
#7	-5.30% Dec 24, 2015 - Aug 23, 2016	-24.04% Jan 11, 2024 - Oct 16, 2024
#8	-4.30% Nov 11, 2025 - Nov 24, 2025	-22.61% Jun 24, 2011 - Mar 19, 2012
#9	-4.25% Jul 1, 2026 - Jul 16, 2026	-21.62% Apr 21, 2014 - Jun 16, 2014
#10	-3.82% Jul 16, 2026 - Jul 23, 2026	-18.86% Mar 26, 2025 - Sep 12, 2025
#11	-1.04% Nov 12, 2024 - Nov 21, 2024	-17.94% Jan 29, 2014 - Apr 4, 2014
#12	-0.62% Nov 25, 2025 - Dec 3, 2025	-17.64% Dec 31, 2012 - Aug 14, 2013
#13	-0.56% Dec 4, 2025 - Dec 8, 2025	-17.22% Dec 2, 2024 - Feb 27, 2025
#14	-0.37% Nov 5, 2025 - Nov 10, 2025	-17.00% Nov 26, 2010 - Jan 4, 2011
#15	-0.35% Dec 27, 2023 - Dec 29, 2023	-15.61% Sep 1, 2023 - Nov 14, 2023

Correlation

Correlation between BCAL and TIPT is 0.67 which considered as a moderate positive correlation - the stocks show some tendency to move together.

0.67

-101

Dividend Comparison (2011 - 2026)

BCAL vs TIPT dividend yield comparison.

Year	BCAL	TIPT
2026	0.96%	0.68%
2025	0.54%	1.31%
2024	0.00%	2.35%
2023	0.00%	1.05%
2022	0.00%	1.16%
2021	0.00%	1.16%
2020	0.00%	3.19%
2019	0.00%	1.90%
2018	0.00%	2.42%
2017	0.00%	2.02%
2016	0.00%	1.63%
2015	0.00%	1.63%
2013	0.00%	2.38%
2012	0.00%	7.20%
2011	0.00%	6.23%