California BanCorp [BCAL] vs PNC Financial [PNC] Detailed Stock Comparison

California BanCorp

NASDAQ
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PNC Financial Services Group, Inc.

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: California BanCorp wins in 12 metrics, PNC Financial Services Group, Inc. wins in 7 metrics, with 0 ties. California BanCorp appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric California BanCorp PNC Financial Services Group, Inc. Better
P/E Ratio (TTM) 9.59 12.56 California BanCorp
Price-to-Book Ratio 1.04 1.39 California BanCorp
Debt-to-Equity Ratio 0.09 1.12 California BanCorp
PEG Ratio -4.99 11.84 PNC Financial Services Group, Inc.
Profit Margin (TTM) 33.36% 28.75% California BanCorp
Operating Margin (TTM) 54.99% 35.28% California BanCorp
EBITDA Margin (TTM) 54.99% 35.28% California BanCorp
Return on Equity 11.59% 11.33% California BanCorp
Return on Assets (TTM) 1.56% 1.09% California BanCorp
Free Cash Flow (TTM) $56.94M $7.88B PNC Financial Services Group, Inc.
Dividend Yield 1.14% 3.02% PNC Financial Services Group, Inc.
1-Year Return 37.29% 37.08% California BanCorp
Price-to-Sales Ratio (TTM) 3.15 3.35 California BanCorp
Enterprise Value $251.23M $128.31B PNC Financial Services Group, Inc.
EV/Revenue Ratio 1.33 6.11 California BanCorp
Revenue per Share (TTM) $6 $53 PNC Financial Services Group, Inc.
Earnings per Share (Diluted) $1.93 $14.15 PNC Financial Services Group, Inc.
Beta (Stock Volatility) 0.27 1.07 California BanCorp
Short % of Float 3.35% 1.26% PNC Financial Services Group, Inc.

California BanCorp vs PNC Financial Services Group, Inc. Stock Performance Analysis

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BCAL
PNC

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
California BanCorp-1.32%0.62%4.89%11.23%-0.46%5.18%
PNC Financial Services Group, Inc.-2.99%1.51%8.33%14.85%9.33%9.03%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
California BanCorp37.29%36.34%41.32%139.64%279.46%97.70%
PNC Financial Services Group, Inc.37.08%84.99%33.27%184.01%311.25%243.09%

Performance & Financial Health Analysis: California BanCorp vs PNC Financial Services Group, Inc.

MetricBCALPNC
Market Information
Market Cap i$593.85M$70.31B
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i155,0601,904,080
90 Day Avg. Volume i218,0371,960,760
Last Close$19.51$230.56
52 Week Range$14.07 - $20.47$172.88 - $243.94
% from 52W High-4.69%-5.48%
All-Time High$20.50 (Dec 08, 2025)$243.94 (Feb 06, 2026)
% from All-Time High-4.83%-5.48%
Growth Metrics
Quarterly Revenue Growth0.02%0.05%
Quarterly Earnings Growth-0.02%0.11%
Financial Health
Profit Margin (TTM) i0.33%0.29%
Operating Margin (TTM) i0.55%0.35%
Return on Equity (TTM) i0.12%0.11%
Debt to Equity (MRQ) i0.091.12
Cash & Liquidity
Book Value per Share (MRQ)$17.79$127.98
Cash per Share (MRQ)$12.37$27.54
Operating Cash Flow (TTM) i$57.29M$5.61B
Levered Free Cash Flow (TTM) i$63.06M$5.50B
Dividends
Last 12-Month Dividend Yield i1.14%3.02%
Last 12-Month Dividend i$0.20$6.70

Valuation & Enterprise Metrics Analysis: California BanCorp vs PNC Financial Services Group, Inc.

MetricBCAL (Apr 26, 2026)PNC (Jun 13, 2025)
Price Ratios
P/E Ratio (TTM) i9.5912.56
Forward P/E i10.1011.84
PEG Ratio i-4.9911.84
Price to Sales (TTM) i3.153.35
Price to Book (MRQ) i1.041.39
Market Capitalization
Market Capitalization i$593.85M$70.31B
Enterprise Value i$251.23M$128.31B
Enterprise Value Metrics
Enterprise to Revenue i1.336.11
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.271.07
Book Value per Share (MRQ) i$17.79$127.98

Financial Statements Comparison: California BanCorp vs PNC Financial Services Group, Inc.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricBCAL (2025)PNC (2024)
Revenue/Sales i180.18M20.81B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i87.96M7.24B
Pre-Tax Income % of Revenue i48.8%34.8%
Income Tax i24.90M1.29B
Income Tax % of Revenue i13.8%6.2%
Net Income (Profit) i63.06M5.95B
Profit Margin i35.0%28.6%

Balance Sheet & Liquidity Metrics

MetricBCAL (2025)PNC (2024)
Cash & Equivalents i52.01M46.25B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i52.77M61.67B
Long-Term Debt % of Revenue i29.3%296.4%
Total Shareholders Equity i576.59M54.47B
Retained Earnings i135.81M59.28B
Retained Earnings % of Revenue i75.4%284.9%
Property, Plant & Equipment i15.09MN/A

Cash Flow Statement Comparison

MetricBCAL (2025)PNC (2024)
Operating Cash Flow i89.41M7.96B
Operating Cash Flow % of Revenue i49.6%38.3%
Capital Expenditures i-346,000N/A
Free Cash Flow i56.94M7.88B
FCF Margin i31.6%37.9%
Debt Repayment i-38.00M-23.75B
Common Stock Repurchase i-2.66M-1.19B

Short Interest & Institutional Ownership Analysis

MetricBCALPNC
Shares Short i923,6874.98M
Short Ratio i4.332.41
Short % of Float i3.35%1.26%
Shares Outstanding i32.42M395.94M
Float Shares i22.82M392.38M
% Held by Insiders i15.43%0.38%
% Held by Institutions i65.42%85.29%
% Held by Public i19.15%14.33%

Dividend Analysis & Yield Comparison: California BanCorp vs PNC Financial Services Group, Inc.

MetricBCALPNC
Last 12-Month Dividend i$0.20$6.70
Last 12-Month Dividend Yield i1.14%3.02%
3-Year Avg Annual Dividend i$0.07$6.40
3-Year Avg Dividend Yield i0.55%1.00%
3-Year Total Dividends i$0.20$19.20
Ex-Dividend DateMar 24, 2026Jan 20, 2026