BCAL
Southern California Bancorp
BCAL has the edge over BLK overall, supported by stronger valuation and stronger modeled upside.
BLK
BlackRock, Inc.
BLK offers stronger fundamentals, but that advantage does not outweigh its weaker overall profile.
BCAL Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Healthy | |
| N/A | |
| N/A |
BCAL's profitability is currently healthy, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCAL.
BLK Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
BLK's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like BLK.
BCAL PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 11x | $19.37 | -12% |
| Current | 12x | $22.05 | — |
| Forward | 12x | $22.05 | — |
| Fair | 16x | $29.37 | +33% |
| Expensive | 34x | $61.04 | +177% |
Historical ranges are pointers, not guarantees.
BCAL has the edge over BLK in the historical PE scenario, which offers more potential upside but is not a forecast.
BLK PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 19x | $848 | -30% |
| Fair | 22x | $973 | -20% |
| Expensive | 26x | $1,149 | -5.5% |
| Current | 28x | $1,217 | — |
Historical ranges are pointers, not guarantees.
BLK's PE is in its expensive range at 28x.
BCAL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BCAL, with profitability improving.
BLK Forward outlook
There aren't enough analyst estimates for BLK to show an outlook.
BCAL Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.85 | +3.4% |
| Q3 2026 | $1.79 | -9.1% |
| Q2 2026 | $1.84 | +104% |
| Q1 2026 | $1.83 | +281% |
| Q4 2025 | $1.93 | +777% |
| Q3 2025 | $1.97 | +$2.05 |
| Q2 2025 | $0.90 | +4.7% |
| Q1 2025 | $0.48 | -60% |
| Q4 2024 | $0.22 | -84% |
BCAL has the edge over BLK on earnings, with more consistent year-over-year improvement.
BLK Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $43.87 | +11% |
| Q2 2026 | $41.73 | -0.4% |
| Q1 2026 | $39.73 | -4.7% |
| Q4 2025 | $35.31 | -17% |
| Q3 2025 | $39.42 | -2.7% |
| Q2 2025 | $41.89 | +4% |
| Q1 2025 | $41.69 | +5.9% |
| Q4 2024 | $42.53 | +16% |
BLK earned $43.87 per share over the past year, up 11% from the year before.
BCAL Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $46M | +1.9% |
| Q2 2026 | $44.9M | +1.4% |
| Q1 2026 | $44.2M | -1.3% |
| Q4 2025 | $45.9M | +0.8% |
| Q3 2025 | $45.2M | +19% |
| Q2 2025 | $44.3M | +100% |
| Q1 2025 | $44.8M | +105% |
| Q4 2024 | $45.5M | +103% |
BCAL's revenue has held roughly level: $46M last quarter, up 1.9% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -8.3 points |
| Q2 2026 | 44% | -1.2 points |
| Q1 2026 | 43% | -9.7 points |
| Q4 2025 | 49% | -2.3 points |
| Q3 2025 | 48% | +107 points |
| Q2 2025 | 45% | +44 points |
| Q1 2025 | 53% | +20 points |
| Q4 2024 | 51% | +23 points |
BCAL has the edge over BLK on profitability, with a higher operating margin.
BLK Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $7.8B | +19% |
| Q2 2026 | $7.1B | +31% |
| Q1 2026 | $6.7B | +27% |
| Q4 2025 | $7B | +23% |
| Q3 2025 | $6.5B | +25% |
| Q2 2025 | $5.4B | +13% |
| Q1 2025 | $5.3B | +12% |
| Q4 2024 | $5.7B | +23% |
BLK has the edge over BCAL on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 30% | 0 points |
| Q2 2026 | 35% | +2.8 points |
| Q1 2026 | 42% | +9.8 points |
| Q4 2025 | 24% | -13 points |
| Q3 2025 | 30% | -8.6 points |
| Q2 2025 | 32% | -5.5 points |
| Q1 2025 | 32% | -3.6 points |
| Q4 2024 | 37% | +2.3 points |
BLK's operating margin was 30% last quarter, about level with the same quarter a year ago, near the bottom of its range since 2019.
BCAL Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $7.9M | -50% |
| Q2 2026 | $14.3M | +6.8% |
| Q1 2026 | $8.3M | +21% |
| Q4 2025 | $20.8M | -11% |
| Q3 2025 | $15.9M | -12% |
| Q2 2025 | $13.4M | +7729% |
| Q1 2025 | $6.9M | -14% |
| Q4 2024 | $23.5M | +$32M |
BCAL's free cash flow was $51M over the past year, down 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BCAL.
BLK Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $2.6B | +95% |
| Q2 2026 | $1.1B | -12% |
| Q1 2026 | -$1.1B | +$120M |
| Q4 2025 | $2.1B | -15% |
| Q2 2025 | $1.3B | -6.1% |
| Q1 2025 | -$1.2B | -$734M |
| Q4 2024 | $2.5B | +35% |
| Q2 2024 | $1.4B | +47% |
BLK has the edge over BCAL on cash flow, with more consistent year-over-year improvement.
BCAL Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -12K shares |
| 1 year | -1.3% | -428K shares |
| 3 years | +74% | +13.8M shares |
BCAL has the edge over BLK on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.6M |
| Q2 2026 | $2M |
| Q1 2026 | $7.4M |
| Q4 2025 | $431,000 |
| Q3 2025 | $1.7M |
| Q2 2025 | $155,000 |
| Q1 2025 | $1.1M |
| Q4 2024 | $998,000 |
BCAL spent $14M buying back its own shares over the past year, about four times what it spent the year before.
BLK Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -148K shares |
| 1 year | -0.4% | -677K shares |
| 3 years | +9.3% | +14M shares |
| 5 years | +6.2% | +9.6M shares |
| Available history | +4.4% | +7M shares |
BLK has 165M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q2 2025 | $396M |
| Q1 2025 | $657M |
| Q4 2024 | $386M |
| Q2 2024 | $519M |
| Q1 2024 | $634M |
| Q4 2023 | $384M |
| Q3 2023 | $396M |
| Q2 2023 | $383M |
BCAL Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -3.2x | Net Cash |
| Q2 2026 | -2.6x | Net Cash |
| Q1 2026 | -4.3x | Net Cash |
| Q4 2025 | -3.9x | Net Cash |
| Q3 2025 | -5.6x | Net Cash |
| Q2 2025 | -7.5x | Net Cash |
| Q1 2025 | -12.6x | Net Cash |
| Q4 2024 | -26.8x | Net Cash |
BCAL has the edge over BLK on leverage, with a lower net debt burden relative to earnings.
BLK Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.0x | Net Cash |
| Q2 2026 | 0.2x | Very low |
| Q1 2026 | 0.3x | Very low |
| Q4 2025 | 0.2x | Very low |
| Q3 2025 | 0.3x | Very low |
| Q2 2024 | 0.2x | Very low |
| Q1 2024 | 0.3x | Very low |
| Q4 2023 | 0.1x | Very low |
BLK has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BLK.
BCAL Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.7 | Neutral |
| Stochastic | 61.6 | Neutral |
BCAL's weekly RSI is 63 (neutral) and its Stochastic is 62 (neutral).
BLK Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 64.5 | Neutral |
| Stochastic | 79.0 | Neutral |
BLK's weekly RSI is 64 (neutral) and its Stochastic is 79 (neutral).
BCAL PE vs Financial Services Sector
| Metric | BCAL | Sector median | Relative |
|---|---|---|---|
| PE | 12x | 13x | 5.4% below |
| PE % | 35 | 63 | 28 pts below |
BCAL has the edge over BLK on valuation relative to its sector.
BLK PE vs Financial Services Sector
| Metric | BLK | Sector median | Relative |
|---|---|---|---|
| PE | 28x | 13x | 113% above |
| PE % | 97 | 63 | 34 pts above |
BLK is trading at 28x earnings, a 113% premium to the Financial Services sector's median of 13x.
BCAL Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $21.7 | 1.5% above |
| 20 week MA | $21.5 | 2.6% above |
| 50 week MA | $19.9 | 11% above |
| 100 week MA | $17.9 | 23% above |
| 200 week MA | $16.5 | 34% above |
BCAL is in an uptrend: it's above all five of its weekly moving averages, and 34% above its 200-week average.
BLK Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $1,128.0 | 7.9% above |
| 20 week MA | $1,108.9 | 9.7% above |
| 50 week MA | $1,071.6 | 14% above |
| 100 week MA | $1,051.1 | 16% above |
| 200 week MA | $914.1 | 33% above |
BLK is in an uptrend: it's above all five of its weekly moving averages, and 33% above its 200-week average.
BCAL Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $12.8 | $12.4 | -2.8% |
| 2021 | $12.4 | $15.0 | +21% |
| 2022 | $15.0 | $16.7 | +12% |
| 2023 | $16.7 | $17.4 | +3.9% |
| 2024 | $17.4 | $16.8 | -3.5% |
| 2025 | $16.8 | $18.9 | +13% |
| 2026 YTD | $18.9 | $22.1 | +17% |
BCAL has the edge over BLK on returns for 2026, with the stronger performance.
BLK Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $503.0 | $707.2 | +41% |
| 2021 | $707.2 | $913.9 | +29% |
| 2022 | $913.9 | $703.9 | -23% |
| 2023 | $703.9 | $811.8 | +15% |
| 2024 | $811.8 | $1,044.2 | +29% |
| 2025 | $1,044.2 | $1,088.1 | +4.2% |
| 2026 YTD | $1,088.1 | $1,216.6 | +12% |
BLK has finished higher in five of the last six years. It's up 12% so far in 2026.