BayFirst Financial (BAFN) Competitors

Oak Valley Bancorp (NASDAQ:OVLY) and BayFirst Financial (NASDAQ:BAFN) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their community ranking, analyst recommendations, valuation, media sentiment, profitability, institutional ownership, risk, dividends and earnings.

Do analysts recommend OVLY or BAFN?

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Oak Valley Bancorp	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A
BayFirst Financial	0 Sell rating(s)	0 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	N/A

Do insiders & institutionals hold more shares of OVLY or BAFN?

30.9% of Oak Valley Bancorp shares are held by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are held by institutional investors. 19.3% of Oak Valley Bancorp shares are held by insiders. Comparatively, 19.2% of BayFirst Financial shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Which has more risk & volatility, OVLY or BAFN?

Oak Valley Bancorp has a beta of 0.32, suggesting that its share price is 68% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.44, suggesting that its share price is 56% less volatile than the S&P 500.

Does the MarketBeat Community prefer OVLY or BAFN?

Oak Valley Bancorp received 165 more outperform votes than BayFirst Financial when rated by MarketBeat users.

Company	Underperform	Outperform
Oak Valley Bancorp	Outperform Votes 165 53.75%	Underperform Votes 142 46.25%
BayFirst Financial	N/A	N/A

Does the media favor OVLY or BAFN?

In the previous week, BayFirst Financial had 1 more articles in the media than Oak Valley Bancorp. MarketBeat recorded 1 mentions for BayFirst Financial and 0 mentions for Oak Valley Bancorp. BayFirst Financial's average media sentiment score of 1.94 beat Oak Valley Bancorp's score of 0.00 indicating that BayFirst Financial is being referred to more favorably in the news media.

Company	Overall Sentiment
Oak Valley Bancorp	Neutral
BayFirst Financial	Very Positive

Is OVLY or BAFN more profitable?

Oak Valley Bancorp has a net margin of 28.41% compared to BayFirst Financial's net margin of 4.01%. Oak Valley Bancorp's return on equity of 15.52% beat BayFirst Financial's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Oak Valley Bancorp	28.41%	15.52%	1.36%
BayFirst Financial	4.01%	6.38%	0.47%

Is OVLY or BAFN a better dividend stock?

Oak Valley Bancorp pays an annual dividend of $0.45 per share and has a dividend yield of 1.6%. BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.4%. Oak Valley Bancorp pays out 13.6% of its earnings in the form of a dividend. BayFirst Financial pays out 28.3% 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. Oak Valley Bancorp has increased its dividend for 10 consecutive years.

Which has preferable earnings & valuation, OVLY or BAFN?

Oak Valley Bancorp has higher revenue and earnings than BayFirst Financial. Oak Valley Bancorp is trading at a lower price-to-earnings ratio than BayFirst Financial, 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
Oak Valley Bancorp	$87.30M	2.64	$30.85M	$3.31	8.31
BayFirst Financial	$82.10M	0.67	$5.70M	$1.13	11.81

Summary

Oak Valley Bancorp beats BayFirst Financial on 12 of the 17 factors compared between the two stocks.