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 stock? We will contrast the two businesses based on the strength of their valuation, media sentiment, earnings, institutional ownership, profitability, risk, dividends and analyst recommendations.

Which has preferable valuation and 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	1.79	$40.56M	$2.89	9.30
Bay Commercial Bank	$138.09M	2.15	$23.61M	$2.18	12.45

Which has more volatility and risk, BSRR or BCML?

Sierra Bancorp has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.53, suggesting that its stock price is 47% less volatile than the S&P 500.

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%

Does the media refer more to BSRR or BCML?

In the previous week, Sierra Bancorp had 3 more articles in the media than Bay Commercial Bank. MarketBeat recorded 3 mentions for Sierra Bancorp and 0 mentions for Bay Commercial Bank. Sierra Bancorp's average media sentiment score of 0.15 beat Bay Commercial Bank's score of 0.00 indicating that Sierra Bancorp is being referred to more favorably in the media.

Company	Overall Sentiment
Sierra Bancorp	Neutral
Bay Commercial Bank	Neutral

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 3.7%. Bay Commercial Bank pays an annual dividend of $1.00 per share and has a dividend yield of 3.7%. 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 raised its dividend for 2 consecutive years and Bay Commercial Bank has raised its dividend for 3 consecutive years. Sierra Bancorp is clearly the better dividend stock, given its higher yield and lower payout ratio.

Do analysts rate BSRR or BCML?

Sierra Bancorp presently has a consensus target price of $33.50, indicating a potential upside of 24.67%. Bay Commercial Bank has a consensus target price of $31.50, indicating a potential upside of 16.02%. Given Sierra Bancorp's higher possible upside, equities analysts clearly 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)	2 Buy rating(s)	0 Strong Buy rating(s)	2.50
Bay Commercial Bank	0 Sell rating(s)	1 Hold rating(s)	2 Buy rating(s)	0 Strong Buy rating(s)	2.67

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

55.4% of Sierra Bancorp shares are owned by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are owned by institutional investors. 11.6% of Sierra Bancorp shares are owned by insiders. Comparatively, 7.2% of Bay Commercial Bank shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.

Summary

Sierra Bancorp beats Bay Commercial Bank on 13 of the 18 factors compared between the two stocks.