First NBC Bank (OTCMKTS:FNBCQ) and BayCom (NASDAQ:BCML) are both finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their earnings, profitability, risk, analyst recommendations, valuation, institutional ownership and dividends.

Profitability

This table compares First NBC Bank and BayCom’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
First NBC Bank N/A N/A N/A
BayCom 18.53% N/A N/A

Earnings and Valuation

This table compares First NBC Bank and BayCom’s gross revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
First NBC Bank N/A N/A N/A N/A N/A
BayCom $63.94 million 4.14 $14.49 million $1.65 13.33

BayCom has higher revenue and earnings than First NBC Bank.

Institutional & Insider Ownership

58.3% of BayCom shares are held by institutional investors. 8.4% of First NBC Bank shares are held by company insiders. Comparatively, 5.6% of BayCom shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Volatility and Risk

First NBC Bank has a beta of 1.29, meaning that its share price is 29% more volatile than the S&P 500. Comparatively, BayCom has a beta of 0.37, meaning that its share price is 63% less volatile than the S&P 500.

Dividends

First NBC Bank pays an annual dividend of $0.12 per share and has a dividend yield of 458.0%. BayCom does not pay a dividend.

Analyst Ratings

This is a summary of current ratings for First NBC Bank and BayCom, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
First NBC Bank 0 0 0 0 N/A
BayCom 0 0 2 0 3.00

BayCom has a consensus price target of $26.25, indicating a potential upside of 19.37%. Given BayCom’s higher possible upside, analysts clearly believe BayCom is more favorable than First NBC Bank.

Summary

BayCom beats First NBC Bank on 5 of the 8 factors compared between the two stocks.

First NBC Bank Company Profile

First NBC Bank Holding Co. engages in the provision of financial services through its subsidiary, First NBC Bank. Its products and services include mortgage loans, commercial banking, and personal banking services. The company was founded in 2007 and is headquartered in New Orleans, LA.

BayCom Company Profile

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to businesses, business owners, and individuals. The company offers demand, savings, money market, and time deposit accounts. It also provides commercial and multi-family real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company offers online and mobile banking, automated teller machine, remote deposit capture, night depository, direct deposit, treasury management, wire transfer, and automated clearing house services; debit cards, cashier's and travelers checks, and letters of credit; lockbox, positive pay, reverse positive pay, and account reconciliation services; and escrow services, as well as facilitates tax-deferred commercial exchanges. It operates through a network of 22 full service branches and one loan production office located in San Francisco Bay Area, California; Seattle, Washington; and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was founded in 2004 and is headquartered in Walnut Creek, California.

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