Baylake (NASDAQ: BYLK) and Bank of Commerce Holdings (CA) (NASDAQ:BOCH) are both financials companies, but which is the better investment? We will compare the two companies based on the strength of their institutional ownership, profitability, valuation, analyst recommendations, dividends, earnings and risk.

Profitability

This table compares Baylake and Bank of Commerce Holdings (CA)’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Baylake 10.34% 4.05% 0.43%
Bank of Commerce Holdings (CA) 19.12% 8.88% 0.79%

Insider and Institutional Ownership

34.8% of Bank of Commerce Holdings (CA) shares are owned by institutional investors. 6.9% of Bank of Commerce Holdings (CA) shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Baylake and Bank of Commerce Holdings (CA), as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Baylake 0 0 0 0 N/A
Bank of Commerce Holdings (CA) 0 1 0 0 2.00

Bank of Commerce Holdings (CA) has a consensus price target of $12.00, suggesting a potential upside of 17.07%. Given Bank of Commerce Holdings (CA)’s higher probable upside, analysts plainly believe Bank of Commerce Holdings (CA) is more favorable than Baylake.

Dividends

Bank of Commerce Holdings (CA) pays an annual dividend of $0.12 per share and has a dividend yield of 1.2%. Baylake does not pay a dividend. Bank of Commerce Holdings (CA) pays out 17.9% of its earnings in the form of a dividend.

Earnings & Valuation

This table compares Baylake and Bank of Commerce Holdings (CA)’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio EBITDA Earnings Per Share Price/Earnings Ratio
Baylake N/A N/A N/A N/A N/A
Bank of Commerce Holdings (CA) $42.90 million 3.88 $10.89 million $0.67 15.30

Bank of Commerce Holdings (CA) has higher revenue and earnings than Baylake.

Summary

Bank of Commerce Holdings (CA) beats Baylake on 8 of the 9 factors compared between the two stocks.

About Baylake

Baylake Corp. is a bank holding company. The Company’s primary activities consists of holding the stock of its subsidiary bank, Baylake Bank (the Bank), and providing a range of banking and related business activities through the Bank and its other subsidiaries. The Bank is an independent community bank offering a range of financial services primarily to small businesses and individuals located in its market area. The Bank provides a range of loan, deposit and other banking products and services to its business, individual or retail and municipal customers, which include safe deposit box services, personal and corporate trust services, treasury management, private banking, financial planning and electronic banking services, including mobile banking and eBanc, an Internet banking product for its customers. It offers investment advisory services through Admiral Asset Management, Inc. (Admiral). The Bank conducts its community banking business through over 20 service financial centers.

About Bank of Commerce Holdings (CA)

Bank of Commerce Holdings (Holding Company) is a bank holding company. The Company’s principal business is to serve as a holding company for Redding Bank of Commerce (Bank), which operates under two separate names (Redding Bank of Commerce and Sacramento Bank of Commerce). The Bank operates over four full service facilities in two diverse markets in Northern California. The Bank provides a range of financial services and products for business and retail customers. Its principal products include various types of accounts, such as checking, interest-bearing checking, savings, certificate of deposit and money market deposit. It also offers sweep arrangements, commercial loans, construction loans, term loans, safe deposit boxes and electronic banking services. The primary focus of the Bank is to provide banking and related services to small and mid-sized businesses and not-for-profit organizations, as well as banking services for consumers, primarily business owners and their employees.

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