COMP <GO>
MSBI vs BCAL // DIVIDEND YIELD & FCF PAYOUT SAFETY
Midland States Bancorp Inc. (NASDAQ) VS. California BanCorp (NASDAQ) • 15-METRIC TALLY: MSBI 4
— BCAL 2
▲ DIVIDEND YIELD & FCF PAYOUT SAFETY LEADER: MSBI
LAST: $33.83 (-1.23%) • MKT CAP: $702.0M
dividend-safety
3.94%
LAST: $21.44 (-0.46%) • MKT CAP: $689.3M
dividend-safety
0.47%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (MSBI VS. BCAL)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | MSBI | BCAL | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | -22.00% | 10.90% | -32.90 | BCAL | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 17.14% | 8.26% | +8.88 | MSBI | /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 ACTIVE | 3.94% | 0.47% | +3.47 | MSBI | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 3/9 | 4/9 | -1.00 | BCAL | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 48.2 | 46.0 | +2.25 | MSBI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 10.1x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $702.0M | $689.3M | $12.7M | MSBI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | MSBI REV | BCAL REV | MSBI GROSS % | BCAL GROSS % | MSBI FCF | BCAL FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $0 | $0 | — | — | $120.3M | $56.9M |
| FY 2024 | $0 | $0 | — | — | $169.6M | $49.7M |
| FY 2023 | $0 | $0 | — | — | $153.4M | $33.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
MSBI // BETA —
BCAL // BETA —