Is BCAL or BOKF more undervalued in 2026?

CirclFi compares California BanCorp (BCAL) and BOK Financial Corporation (BOKF) using 13 institutional-grade valuation models. BCAL has a Quality of Company score of 10.0/10 while BOKF scores 7.7/10.

Which is a better buy — BCAL or BOKF?

Compare intrinsic values from 13 independent models against current market prices. CirclFi also calculates Value Trap scores. This is not financial advice — conduct your own analysis.

How do BCAL and BOKF valuations compare?

BCAL at $18.98 and BOKF at $128.04 are compared across Bayesian DCF, EPV, EROIC Spread, First Chicago, Markov DDM, and 8 additional models.

BCAL vs BOKF Valuation Comparison 2026 — Intrinsic Value Analysis

BCAL

National Commercial Banks

California BanCorp

Quality

10.0

out of 10

Value Trap

SAFE

Price

$18.98

Last close

Models

11/13

Active

BOKF

National Commercial Banks

BOK Financial Corporation

Quality

7.7

out of 10

Value Trap

LOW

Price

$128.04

Last close

Models

12/13

Active

Model-by-Model Comparison

Model	Type	BCAL Fair Value	BCAL Upside	BOKF Fair Value	BOKF Upside
Bayesian DCF	Intrinsic	$20.05	+5.6%	$251.33	+96.3%
Earnings Power Value	Intrinsic	$29.01	+52.8%	$25.70	-80.9%
EROIC Spread	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
First Chicago	Scenario	$•••.••	••.•%	$•••.••	••.•%
Markov DDM	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
ML-RIV	Intrinsic	$•••.••	••.•%	$•••.••	••.•%
PWERM	Option-Based	$•••.••	••.•%	$•••.••	••.•%
Regime Cross-Sectional	Relative	$•••.••	••.•%	$•••.••	••.•%
Sentiment SOTP	Hybrid	$•••.••	••.•%	$•••.••	••.•%
CUCE Ensemble	Ensemble	$•••.••	••.•%	$•••.••	••.•%
FTNN Topology	Relative	$•••.••	••.•%	$•••.••	••.•%
RCMH-DCF	Intrinsic	$•••.••	••.•%	$•••.••	••.•%

🔒

Unlock Full 13-Model Comparison

Access all valuation models for BCAL vs BOKF — including EROIC Spread, First Chicago, Markov DDM, PWERM, and 7 more.

Access Full Analysis — From $27/mo →

BCAL vs BOKF — Which Stock Is More Undervalued?

BCAL scores higher with a 10.0/10 quality rating vs BOKF's 7.7/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

Comparing California BanCorp (BCAL) and BOK Financial Corporation (BOKF) across 13 institutional-grade valuation models reveals how each company's intrinsic value stacks up against its market price. CirclFi's engine processes SEC EDGAR 10-K and 10-Q filings, FRED macroeconomic data, and GDELT news sentiment to generate independent fair value estimates daily.

BCAL currently trades at $18.98 with a QOC of 10.0/10, while BOKF trades at $128.04 with a QOC of 7.7/10.

Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN Topology), and ensemble methods (CUCE).