BCAL
Southern California Bancorp
BCAL offers stronger valuation, but that advantage does not outweigh its weaker overall profile.
JPM
JPMorgan Chase & Co.
JPM has a slight edge over BCAL overall, supported by stronger fundamentals and stronger modeled upside.
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.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
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 JPM in the historical PE scenario, which offers more potential upside but is not a forecast.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM's PE is in its expensive range at 14.4x. If earnings grow as analysts expect, today's price would be 13.7x next year's earnings.
BCAL Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| High |
Analysts expect earnings and revenue growth for BCAL, with profitability improving.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
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 earned $1.79 per share over the past year, down 9.1% from the year before.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM has the edge over BCAL on earnings, with more consistent year-over-year improvement.
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 has the edge over JPM on sales, with stronger typical year-over-year growth.
| 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's operating margin was 40% last quarter, down 8.3 points from the same quarter a year ago.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM's revenue has grown year over year for five quarters in a row: $50.2B last quarter, up 8.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM has the edge over BCAL on profitability, with a higher operating margin.
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 has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
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 32M diluted shares, down 1.3% from a year ago, with $14M in buybacks over the past year.
| 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.
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over BCAL on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 11% from the year before.
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 JPM on leverage, with a lower net debt burden relative to earnings.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
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).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (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 JPM on valuation relative to its sector.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM is trading at 14x earnings, a 10% 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 has the edge over JPM on trend strength, trading above more of its moving averages.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% 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 JPM on returns for 2026, with the stronger performance.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has finished higher in four of the last six years. It's up 4.5% so far in 2026.