BCML vs. CIVB, USCB, FRBA, MVBF, PCB, SSBK, SBNY, JMSB, LNKB, and OVLY
Should you be buying BayCom stock or one of its competitors? The main competitors of BayCom include Civista Bancshares (CIVB), USCB Financial (USCB), First Bank (FRBA), MVB Financial (MVBF), PCB Bancorp (PCB), Southern States Bancshares (SSBK), Signature Bank (SBNY), John Marshall Bancorp (JMSB), LINKBANCORP (LNKB), and Oak Valley Bancorp (OVLY). These companies are all part of the "state commercial banks" industry.
Civista Bancshares (NASDAQ:CIVB) and BayCom (NASDAQ:BCML) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, profitability, analyst recommendations, earnings, dividends, community ranking, risk and media sentiment.
Civista Bancshares pays an annual dividend of $0.64 per share and has a dividend yield of 4.2%. BayCom pays an annual dividend of $0.40 per share and has a dividend yield of 1.9%. Civista Bancshares pays out 27.5% of its earnings in the form of a dividend. BayCom pays out 18.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for the next several years. Civista Bancshares has increased its dividend for 13 consecutive years and BayCom has increased its dividend for 1 consecutive years. Civista Bancshares is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Civista Bancshares has a beta of 0.79, meaning that its stock price is 21% less volatile than the S&P 500. Comparatively, BayCom has a beta of 0.76, meaning that its stock price is 24% less volatile than the S&P 500.
52.1% of Civista Bancshares shares are owned by institutional investors. Comparatively, 66.2% of BayCom shares are owned by institutional investors. 3.0% of Civista Bancshares shares are owned by company insiders. Comparatively, 6.6% of BayCom shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock is poised for long-term growth.
BayCom has a net margin of 19.27% compared to BayCom's net margin of 16.38%. BayCom's return on equity of 10.23% beat Civista Bancshares' return on equity.
Civista Bancshares currently has a consensus target price of $17.75, suggesting a potential upside of 17.78%. BayCom has a consensus target price of $24.00, suggesting a potential upside of 15.66%. Given BayCom's higher probable upside, equities research analysts clearly believe Civista Bancshares is more favorable than BayCom.
Civista Bancshares received 177 more outperform votes than BayCom when rated by MarketBeat users. Likewise, 58.33% of users gave Civista Bancshares an outperform vote while only 54.67% of users gave BayCom an outperform vote.
In the previous week, Civista Bancshares and Civista Bancshares both had 1 articles in the media. Civista Bancshares' average media sentiment score of 1.93 beat BayCom's score of 1.66 indicating that BayCom is being referred to more favorably in the news media.
Civista Bancshares has higher revenue and earnings than BayCom. Civista Bancshares is trading at a lower price-to-earnings ratio than BayCom, indicating that it is currently the more affordable of the two stocks.
Summary
Civista Bancshares beats BayCom on 10 of the 19 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding BCML and its top 5 competitors to their watchlist. Each company is represented with a line over a 90 day period.
This chart shows the average media sentiment of NASDAQ and its competitors over the past 90 days as caculated by MarketBeat. The averaged score is equivalent to the following: Very Negative Sentiment <= -1.5, Negative Sentiment > -1.5 and <= -0.5, Neutral Sentiment > -0.5 and < 0.5, Positive Sentiment >= 0.5 and < 1.5, and Very Positive Sentiment >= 1.5.
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