BCML vs. CZFS, SSBK, PCB, LNKB, CIVB, MVBF, FRBA, USCB, FVCB, and CHMG
Should you be buying BayCom stock or one of its competitors? The main competitors of BayCom include Citizens Financial Services (CZFS), Southern States Bancshares (SSBK), PCB Bancorp (PCB), LINKBANCORP (LNKB), Civista Bancshares (CIVB), MVB Financial (MVBF), First Bank (FRBA), USCB Financial (USCB), FVCBankcorp (FVCB), and Chemung Financial (CHMG). These companies are all part of the "state commercial banks" industry.
Citizens Financial Services (NASDAQ:CZFS) and BayCom (NASDAQ:BCML) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their profitability, media sentiment, risk, institutional ownership, valuation, dividends, earnings, community ranking and analyst recommendations.
BayCom has a net margin of 19.27% compared to BayCom's net margin of 11.63%. BayCom's return on equity of 10.57% beat Citizens Financial Services' return on equity.
Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.1%. BayCom pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. Citizens Financial Services pays out 53.1% 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. Citizens Financial Services has raised its dividend for 3 consecutive years and BayCom has raised its dividend for 1 consecutive years. Citizens Financial Services is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
22.5% of Citizens Financial Services shares are owned by institutional investors. Comparatively, 66.2% of BayCom shares are owned by institutional investors. 6.3% of Citizens Financial Services shares are owned by insiders. Comparatively, 6.6% of BayCom shares are owned by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock is poised for long-term growth.
Citizens Financial Services currently has a consensus target price of $53.00, suggesting a potential upside of 11.81%. BayCom has a consensus target price of $24.00, suggesting a potential upside of 18.17%. Given Citizens Financial Services' higher probable upside, analysts plainly believe BayCom is more favorable than Citizens Financial Services.
In the previous week, Citizens Financial Services had 2 more articles in the media than BayCom. MarketBeat recorded 5 mentions for Citizens Financial Services and 3 mentions for BayCom. Citizens Financial Services' average media sentiment score of 1.59 beat BayCom's score of 0.72 indicating that BayCom is being referred to more favorably in the news media.
BayCom received 64 more outperform votes than Citizens Financial Services when rated by MarketBeat users. However, 69.23% of users gave Citizens Financial Services an outperform vote while only 54.67% of users gave BayCom an outperform vote.
BayCom has lower revenue, but higher earnings than Citizens Financial Services. BayCom is trading at a lower price-to-earnings ratio than Citizens Financial Services, indicating that it is currently the more affordable of the two stocks.
Citizens Financial Services has a beta of 0.4, meaning that its share price is 60% less volatile than the S&P 500. Comparatively, BayCom has a beta of 0.76, meaning that its share price is 24% less volatile than the S&P 500.
Summary
BayCom beats Citizens Financial Services on 11 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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