Bay Commercial Bank (BCML) Competitors

CVB Financial (NASDAQ:CVBF) and Bay Commercial Bank (NASDAQ:BCML) are both finance companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, valuation, institutional ownership, earnings, media sentiment and analyst recommendations.

Does the media refer more to CVBF or BCML?

In the previous week, CVB Financial had 6 more articles in the media than Bay Commercial Bank. MarketBeat recorded 7 mentions for CVB Financial and 1 mentions for Bay Commercial Bank. Bay Commercial Bank's average media sentiment score of 1.87 beat CVB Financial's score of 1.43 indicating that Bay Commercial Bank is being referred to more favorably in the news media.

Company	Overall Sentiment
CVB Financial	Positive
Bay Commercial Bank	Very Positive

Which has more risk and volatility, CVBF or BCML?

CVB Financial has a beta of 0.69, meaning that its share price is 31% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.61, meaning that its share price is 39% less volatile than the S&P 500.

Is CVBF or BCML more profitable?

CVB Financial has a net margin of 30.99% compared to Bay Commercial Bank's net margin of 17.36%. CVB Financial's return on equity of 9.21% beat Bay Commercial Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
CVB Financial	30.99%	9.21%	1.33%
Bay Commercial Bank	17.36%	7.41%	0.93%

Which has better earnings and valuation, CVBF or BCML?

CVB Financial has higher revenue and earnings than Bay Commercial Bank. Bay Commercial Bank is trading at a lower price-to-earnings ratio than CVB 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
CVB Financial	$684.59M	3.89	$200.72M	$1.45	13.34
Bay Commercial Bank	$138.09M	2.22	$23.61M	$2.18	12.87

Do institutionals and insiders hold more shares of CVBF or BCML?

74.2% of CVB Financial shares are owned by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are owned by institutional investors. 6.1% of CVB Financial shares are owned by company insiders. Comparatively, 6.5% of Bay Commercial Bank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company will outperform the market over the long term.

Is CVBF or BCML a better dividend stock?

CVB Financial pays an annual dividend of $0.80 per share and has a dividend yield of 4.1%. Bay Commercial Bank pays an annual dividend of $0.80 per share and has a dividend yield of 2.9%. CVB Financial pays out 55.2% of its earnings in the form of a dividend. Bay Commercial Bank pays out 36.7% 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.

Do analysts prefer CVBF or BCML?

CVB Financial currently has a consensus price target of $23.25, suggesting a potential upside of 20.22%. Bay Commercial Bank has a consensus price target of $31.50, suggesting a potential upside of 12.26%. Given CVB Financial's higher probable upside, equities research analysts clearly believe CVB Financial is more favorable than Bay Commercial Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CVB Financial	0 Sell rating(s)	2 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
Bay Commercial Bank	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Summary

CVB Financial beats Bay Commercial Bank on 13 of the 18 factors compared between the two stocks.