PAR vs BCAL

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

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

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

PAR vs BCAL - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

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

Market Cap

Winner

PAR

$613M

BCAL

$612M

Max Drawdown

PAR

88.42%

Winner

BCAL

52.35%

Sharpe Ratio

PAR

-2.08

Winner

BCAL

1.24

5Y Beta

PAR

1.42

Winner

BCAL

0.79

Industry

PAR

Software - Application

BCAL

Banks - Regional

P/E Ratio

Winner

PAR

-7.94

BCAL

10.27

Forward P/E

PAR

9.27

BCAL

N/A

PEG Ratio

Winner

PAR

-0.00

BCAL

0.04

Dividend Yield

PAR

N/A

BCAL

1.04%

5Y EPS CAGR

PAR

2.39%

BCAL

N/A

Debt to Equity

PAR

51.37%

Winner

BCAL

5.92%

Free Cash Flow Yield

PAR

-4.87%

Winner

BCAL

9.53%

P/S Ratio

Winner

PAR

1.29

BCAL

3.29

P/B Ratio

Winner

PAR

0.74

BCAL

1.06

PAR vs BCAL - Historical Returns

Returns include dividend reinvestment.

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

PAR

-2.25%

Winner

BCAL

+2.18%

PAR

-31.05%

Winner

BCAL

+7.02%

PAR

-60.79%

Winner

BCAL

-0.86%

PAR

-79.41%

Winner

BCAL

+34.01%

5Y(CAGR)

PAR

-26.97%

Winner

BCAL

+7.20%

10Y(CAGR)

Winner

PAR

+11.13%

BCAL

+8.97%

Max(CAGR)

PAR

+5.86%

Winner

BCAL

+8.95%

PAR vs BCAL - Annual Returns (1999 - 2026)

Returns include dividend reinvestment.

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

PAR vs BCAL Drawdown Comparison

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

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

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

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