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Peoples Financial Services vs California BanCorp: PFIS and BCAL compared
Peoples Financial Services is the larger company: $53.0M of revenue in its latest quarter (Q3 2026) against $46.0M for California BanCorp (Q3 2026). Peoples Financial Services is growing faster (+14% against +2% a year earlier). Peoples Financial Services is more profitable, with an operating margin of 42.3% against 40.0%.
Where the money goes: PFIS and BCAL
Peoples Financial Services (PFIS) · Q3 2026
Peoples Financial Services, Q3 2026: revenue $53.0M (+14% year over year), operating margin 42.3%, net earnings $19.1M, operating cash flow $14.8M. The chart follows the revenue to costs, profit and cash.
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.
| Peoples Financial Services (PFIS) | California BanCorp (BCAL) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $53.0M | $46.0M |
| Revenue growth, Y/Y | +14% | +2% |
| Operating margin | 42.3% | 40.0% |
| Net earnings | $19.1M | $14.0M |
| Net margin | 36.1% | 30.4% |
| Operating cash flow | $14.8M | $8.1M |
| Free cash flow | $13.6M | $7.9M |
Where the revenue comes from
Peoples Financial Services
- Net interest income: $47.3M (89%)
- Noninterest income: $5.7M (11%)
California BanCorp
- Net interest income: $44.1M (96%)
- Noninterest income: $1.9M (4%)
Questions
Which is bigger, Peoples Financial Services or California BanCorp?
Peoples Financial Services is the larger company: $53.0M of revenue in its latest quarter (Q3 2026) against $46.0M for California BanCorp (Q3 2026).
Is Peoples Financial Services or California BanCorp growing faster?
Peoples Financial Services is growing faster (+14% against +2% a year earlier).
Which is more profitable, Peoples Financial Services or California BanCorp?
Peoples Financial Services is more profitable, with an operating margin of 42.3% against 40.0%.
More: Peoples Financial Services earnings · how Peoples Financial Services makes money · California BanCorp earnings · how California BanCorp makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 6, 2026; 10-Q filed Nov 6, 2026). Fiscal quarters can end on different dates. Not investment advice.