Auburn National Bancorporation (AUBN) Competitors

Bay Commercial Bank (NASDAQ:BCML) and Auburn National Bancorporation (NASDAQ:AUBN) are both small-cap finance companies, but which is the superior investment? We will compare the two companies based on the strength of their analyst recommendations, media sentiment, earnings, institutional ownership, valuation, profitability, risk and dividends.

Does the media refer more to BCML or AUBN?

In the previous week, Bay Commercial Bank had 1 more articles in the media than Auburn National Bancorporation. MarketBeat recorded 3 mentions for Bay Commercial Bank and 2 mentions for Auburn National Bancorporation. Bay Commercial Bank's average media sentiment score of 1.64 beat Auburn National Bancorporation's score of 1.24 indicating that Bay Commercial Bank is being referred to more favorably in the media.

Company	Very Positive	Positive	Neutral	Negative	Very Negative	Overall Sentiment
Bay Commercial Bank	3 Very Positive mention(s)	0 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Very Positive
Auburn National Bancorporation	0 Very Positive mention(s)	1 Positive mention(s)	0 Neutral mention(s)	0 Negative mention(s)	0 Very Negative mention(s)	Positive

Which has more risk and volatility, BCML or AUBN?

Bay Commercial Bank has a beta of 0.58, meaning that its stock price is 42% less volatile than the S&P 500. Comparatively, Auburn National Bancorporation has a beta of 0.51, meaning that its stock price is 49% less volatile than the S&P 500.

Which has preferable valuation and earnings, BCML or AUBN?

Bay Commercial Bank has higher revenue and earnings than Auburn National Bancorporation. Auburn National Bancorporation is trading at a lower price-to-earnings ratio than Bay Commercial Bank, indicating that it is currently the more affordable of the two stocks.

Company	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay Commercial Bank	$138.09M	2.36	$23.61M	$2.18	13.69
Auburn National Bancorporation	$42.21M	1.98	$6.40M	$1.91	12.56

Do institutionals & insiders hold more shares of BCML or AUBN?

66.2% of Bay Commercial Bank shares are held by institutional investors. Comparatively, 39.5% of Auburn National Bancorporation shares are held by institutional investors. 7.2% of Bay Commercial Bank shares are held by insiders. Comparatively, 25.1% of Auburn National Bancorporation shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Do analysts rate BCML or AUBN?

Bay Commercial Bank presently has a consensus price target of $31.50, indicating a potential upside of 5.53%. Given Bay Commercial Bank's stronger consensus rating and higher probable upside, research analysts clearly believe Bay Commercial Bank is more favorable than Auburn National Bancorporation.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay Commercial Bank	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50
Auburn National Bancorporation	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	0.00

Is BCML or AUBN more profitable?

Bay Commercial Bank has a net margin of 17.36% compared to Auburn National Bancorporation's net margin of 15.43%. Auburn National Bancorporation's return on equity of 8.02% beat Bay Commercial Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Bay Commercial Bank	17.36%	7.41%	0.93%
Auburn National Bancorporation	15.43%	8.02%	0.67%

Is BCML or AUBN a better dividend stock?

Bay Commercial Bank pays an annual dividend of $0.80 per share and has a dividend yield of 2.7%. Auburn National Bancorporation pays an annual dividend of $1.08 per share and has a dividend yield of 4.5%. Bay Commercial Bank pays out 36.7% of its earnings in the form of a dividend. Auburn National Bancorporation pays out 56.5% 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. Bay Commercial Bank has increased its dividend for 3 consecutive years.

Summary

Bay Commercial Bank beats Auburn National Bancorporation on 16 of the 19 factors compared between the two stocks.