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.
BayCom (NASDAQ:BCML) and Citizens Financial Services (NASDAQ:CZFS) are both small-cap finance companies, but which is the better investment? We will compare the two businesses based on the strength of their media sentiment, community ranking, risk, profitability, dividends, analyst recommendations, earnings, institutional ownership and valuation.
BayCom has a net margin of 19.27% compared to Citizens Financial Services' net margin of 11.63%. Citizens Financial Services' return on equity of 10.57% beat BayCom's return on equity.
BayCom pays an annual dividend of $0.40 per share and has a dividend yield of 2.0%. Citizens Financial Services pays an annual dividend of $1.96 per share and has a dividend yield of 4.1%. BayCom pays out 18.1% of its earnings in the form of a dividend. Citizens Financial Services pays out 53.1% 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.
BayCom currently has a consensus target price of $24.00, suggesting a potential upside of 18.17%. Citizens Financial Services has a consensus target price of $53.00, suggesting a potential upside of 11.81%. Given BayCom's higher probable upside, equities analysts clearly believe BayCom is more favorable than Citizens Financial Services.
66.2% of BayCom shares are held by institutional investors. Comparatively, 22.5% of Citizens Financial Services shares are held by institutional investors. 6.6% of BayCom shares are held by insiders. Comparatively, 6.3% of Citizens Financial Services shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.
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. BayCom's average media sentiment score of 1.59 beat Citizens Financial Services' score of 0.72 indicating that BayCom is being referred to more favorably in the media.
BayCom has higher earnings, but lower revenue 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.
BayCom has a beta of 0.76, indicating that its stock price is 24% less volatile than the S&P 500. Comparatively, Citizens Financial Services has a beta of 0.4, indicating that its stock price is 60% less volatile than the S&P 500.
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.
Summary
BayCom beats Citizens Financial Services on 11 of the 18 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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