COMP <GO>
BCAL vs AROW // FREE CASH FLOW YIELD
California BanCorp (NASDAQ) VS. Arrow Financial Corporation (NASDAQ) • 15-METRIC TALLY: BCAL 4
— AROW 2
▲ FREE CASH FLOW YIELD LEADER: BCAL
LAST: $21.44 (-0.46%) • MKT CAP: $689.3M
fcf-yield
8.26%
LAST: $38.67 (+1.67%) • MKT CAP: $716.2M
fcf-yield
5.05%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BCAL VS. AROW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BCAL | AROW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 10.90% | 10.20% | +0.70 | BCAL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield ACTIVE | 8.26% | 5.05% | +3.21 | BCAL | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | — | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | — | — | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.47% | 0.00% | +0.47 | BCAL | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 4/9 | 4/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.0 | 56.2 | -10.25 | AROW | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.1x | 15.2x | -5.10 | BCAL | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $689.3M | $716.2M | -$26.9M | AROW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BCAL REV | AROW REV | BCAL GROSS % | AROW GROSS % | BCAL FCF | AROW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $56.9M | $36.2M |
| FY 2024 | $0 | $0 | — | — | $49.7M | $28.9M |
| FY 2023 | $0 | $0 | — | — | $33.1M | $20.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BCAL // BETA —
AROW // BETA —