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California BanCorp vs Southern First Bancshares: BCAL and SFST compared
California BanCorp is the larger company: $46.0M of revenue in its latest quarter (Q3 2026) against $37.5M for Southern First Bancshares (Q3 2026). Southern First Bancshares is growing faster (+21% against +2% a year earlier). Southern First Bancshares is more profitable, with an operating margin of 42.2% against 40.0%.
Where the money goes: BCAL and SFST
California BanCorp (BCAL) · Q3 2026
California BanCorp, Q3 2026: revenue $46.0M (+2% year over year), operating margin 40.0%, net earnings $14.0M, operating cash flow $8.1M. The chart follows the revenue to costs, profit and cash.
Southern First Bancshares (SFST) · Q3 2026
Southern First Bancshares, Q3 2026: revenue $37.5M (+21% year over year), operating margin 42.2%, net earnings $12.2M, operating cash flow $21.3M. The chart follows the revenue to costs, profit and cash.
| California BanCorp (BCAL) | Southern First Bancshares (SFST) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $46.0M | $37.5M |
| Revenue growth, Y/Y | +2% | +21% |
| Operating margin | 40.0% | 42.2% |
| Net earnings | $14.0M | $12.2M |
| Net margin | 30.4% | 32.6% |
| Operating cash flow | $8.1M | $21.3M |
| Free cash flow | $7.9M | $20.4M |
| Market value | — | $571M |
| P/E | — | 12.3× |
| Analysts’ mean target | — | $68.75 |
Where the revenue comes from
California BanCorp
- Net interest income: $44.1M (96%)
- Noninterest income: $1.9M (4%)
Southern First Bancshares
- Net interest income: $34.7M (92%)
- Noninterest income: $2.9M (8%)
Questions
Which is bigger, California BanCorp or Southern First Bancshares?
California BanCorp is the larger company: $46.0M of revenue in its latest quarter (Q3 2026) against $37.5M for Southern First Bancshares (Q3 2026).
Is California BanCorp or Southern First Bancshares growing faster?
Southern First Bancshares is growing faster (+21% against +2% a year earlier).
Which is more profitable, California BanCorp or Southern First Bancshares?
Southern First Bancshares is more profitable, with an operating margin of 42.2% against 40.0%.
More: California BanCorp earnings · how California BanCorp makes money · Southern First Bancshares earnings · how Southern First Bancshares makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Oct 30, 2026). Fiscal quarters can end on different dates. Not investment advice.