Bay Commercial Bank (BCML) Competitors

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

Do analysts prefer BSRR or BCML?

Sierra Bancorp presently has a consensus target price of $33.50, indicating a potential upside of 15.88%. Bay Commercial Bank has a consensus target price of $31.50, indicating a potential upside of 8.88%. Given Sierra Bancorp's higher possible upside, analysts plainly believe Sierra Bancorp is more favorable than Bay Commercial Bank.

Company	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sierra Bancorp	0 Sell rating(s)	2 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.33
Bay Commercial Bank	0 Sell rating(s)	1 Hold rating(s)	1 Buy rating(s)	0 Strong Buy rating(s)	2.50

Is BSRR or BCML a better dividend stock?

Sierra Bancorp pays an annual dividend of $1.00 per share and has a dividend yield of 3.5%. Bay Commercial Bank pays an annual dividend of $1.00 per share and has a dividend yield of 3.5%. Sierra Bancorp pays out 34.6% of its earnings in the form of a dividend. Bay Commercial Bank pays out 45.9% 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. Sierra Bancorp has increased its dividend for 2 consecutive years and Bay Commercial Bank has increased its dividend for 3 consecutive years. Sierra Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do insiders and institutionals have more ownership in BSRR or BCML?

55.4% of Sierra Bancorp shares are held by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are held by institutional investors. 11.6% of Sierra Bancorp shares are held by company insiders. Comparatively, 7.2% of Bay Commercial Bank shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Does the media favor BSRR or BCML?

In the previous week, Sierra Bancorp had 1 more articles in the media than Bay Commercial Bank. MarketBeat recorded 2 mentions for Sierra Bancorp and 1 mentions for Bay Commercial Bank. Bay Commercial Bank's average media sentiment score of 1.87 beat Sierra Bancorp's score of 1.55 indicating that Bay Commercial Bank is being referred to more favorably in the news media.

Company	Overall Sentiment
Sierra Bancorp	Very Positive
Bay Commercial Bank	Very Positive

Which has more risk & volatility, BSRR or BCML?

Sierra Bancorp has a beta of 0.81, indicating that its share price is 19% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.58, indicating that its share price is 42% less volatile than the S&P 500.

Which has higher valuation & earnings, BSRR or BCML?

Sierra Bancorp has higher revenue and earnings than Bay Commercial Bank. Sierra Bancorp 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
Sierra Bancorp	$203.87M	1.93	$40.56M	$2.89	10.00
Bay Commercial Bank	$138.09M	2.29	$23.61M	$2.18	13.27

Is BSRR or BCML more profitable?

Sierra Bancorp has a net margin of 20.09% compared to Bay Commercial Bank's net margin of 17.36%. Sierra Bancorp's return on equity of 11.44% beat Bay Commercial Bank's return on equity.

Company	Net Margins	Return on Equity	Return on Assets
Sierra Bancorp	20.09%	11.44%	1.11%
Bay Commercial Bank	17.36%	7.41%	0.93%

Summary

Sierra Bancorp beats Bay Commercial Bank on 12 of the 18 factors compared between the two stocks.