BayCom (BCML) Competitors

LendingClub (NYSE:LC) and BayCom (NASDAQ:BCML) are both small-cap finance companies, but which is the better investment? We will compare the two companies based on the strength of their profitability, dividends, community ranking, analyst recommendations, risk, institutional ownership, earnings, media sentiment and valuation.

Do analysts rate LC or BCML?

LendingClub currently has a consensus target price of $16.13, suggesting a potential upside of 46.86%. BayCom has a consensus target price of $31.00, suggesting a potential upside of 14.86%. Given LendingClub's stronger consensus rating and higher possible upside, equities analysts plainly believe LendingClub is more favorable than BayCom.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
LendingClub	0 Sell rating(s)	1 Hold rating(s)	7 Buy rating(s)	0 Strong Buy rating(s)	2.88
BayCom	0 Sell rating(s)	1 Hold rating(s)	0 Buy rating(s)	0 Strong Buy rating(s)	2.00

Do insiders & institutionals believe in LC or BCML?

74.1% of LendingClub shares are held by institutional investors. Comparatively, 66.2% of BayCom shares are held by institutional investors. 3.2% of LendingClub shares are held by insiders. Comparatively, 6.5% of BayCom shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.

Which has more volatility and risk, LC or BCML?

LendingClub has a beta of 2.41, indicating that its stock price is 141% more volatile than the S&P 500. Comparatively, BayCom has a beta of 0.52, indicating that its stock price is 48% less volatile than the S&P 500.

Does the MarketBeat Community prefer LC or BCML?

LendingClub received 502 more outperform votes than BayCom when rated by MarketBeat users. Likewise, 61.11% of users gave LendingClub an outperform vote while only 54.55% of users gave BayCom an outperform vote.

Company	Underperform	Outperform
LendingClub	Outperform Votes 586 61.11%	Underperform Votes 373 38.89%
BayCom	Outperform Votes 84 54.55%	Underperform Votes 70 45.45%

Does the media refer more to LC or BCML?

In the previous week, LendingClub had 8 more articles in the media than BayCom. MarketBeat recorded 9 mentions for LendingClub and 1 mentions for BayCom. LendingClub's average media sentiment score of 0.64 beat BayCom's score of 0.43 indicating that LendingClub is being referred to more favorably in the media.

Company	Overall Sentiment
LendingClub	Positive
BayCom	Neutral

Is LC or BCML more profitable?

BayCom has a net margin of 17.10% compared to LendingClub's net margin of 6.52%. BayCom's return on equity of 7.45% beat LendingClub's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
LendingClub	6.52%	4.16%	0.54%
BayCom	17.10%	7.45%	0.92%

Which has stronger earnings and valuation, LC or BCML?

LendingClub has higher revenue and earnings than BayCom. BayCom is trading at a lower price-to-earnings ratio than LendingClub, 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
LendingClub	$824.03M	1.52	$51.33M	$0.44	24.95
BayCom	$97.01M	3.06	$23.61M	$2.10	12.85

Summary

LendingClub beats BayCom on 12 of the 18 factors compared between the two stocks.