BAFN vs. BOTJ, PBHC, CIZN, BRBS, FUSB, AUBN, BKSC, UBCP, BMTX, and SI
Should you be buying BayFirst Financial stock or one of its competitors? The main competitors of BayFirst Financial include Bank of the James Financial Group (BOTJ), Pathfinder Bancorp (PBHC), Citizens (CIZN), Blue Ridge Bankshares (BRBS), First US Bancshares (FUSB), Auburn National Bancorporation (AUBN), Bank of South Carolina (BKSC), United Bancorp (UBCP), BM Technologies (BMTX), and Silvergate Capital (SI). These companies are all part of the "state commercial banks" industry.
Bank of the James Financial Group (NASDAQ:BOTJ) and BayFirst Financial (NASDAQ:BAFN) 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, analyst recommendations, media sentiment, dividends, community ranking, earnings, profitability, risk and institutional ownership.
Bank of the James Financial Group has a beta of 0.72, meaning that its stock price is 28% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.47, meaning that its stock price is 53% less volatile than the S&P 500.
Bank of the James Financial Group has higher earnings, but lower revenue than BayFirst Financial. Bank of the James Financial Group is trading at a lower price-to-earnings ratio than BayFirst Financial, indicating that it is currently the more affordable of the two stocks.
In the previous week, Bank of the James Financial Group and Bank of the James Financial Group both had 1 articles in the media. BayFirst Financial's average media sentiment score of 1.39 beat Bank of the James Financial Group's score of 0.94 indicating that Bank of the James Financial Group is being referred to more favorably in the media.
Bank of the James Financial Group received 80 more outperform votes than BayFirst Financial when rated by MarketBeat users.
Bank of the James Financial Group pays an annual dividend of $0.40 per share and has a dividend yield of 3.8%. BayFirst Financial pays an annual dividend of $0.32 per share and has a dividend yield of 2.6%. Bank of the James Financial Group pays out 20.5% of its earnings in the form of a dividend. BayFirst Financial pays out 28.3% 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. Bank of the James Financial Group has raised its dividend for 5 consecutive years. Bank of the James Financial Group is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Bank of the James Financial Group has a net margin of 16.45% compared to Bank of the James Financial Group's net margin of 4.52%. BayFirst Financial's return on equity of 16.31% beat Bank of the James Financial Group's return on equity.
18.5% of Bank of the James Financial Group shares are owned by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are owned by institutional investors. 15.3% of Bank of the James Financial Group shares are owned by company insiders. Comparatively, 19.2% of BayFirst Financial shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.
Summary
Bank of the James Financial Group beats BayFirst Financial on 13 of the 16 factors compared between the two stocks.
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This chart shows the number of new MarketBeat users adding BAFN 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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