Head-To-Head Comparison: Bay Commercial Bank (NASDAQ:BCML) and First Republic Bank (OTCMKTS:FRCB)

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

Profitability

This table compares Bay Commercial Bank and First Republic Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bay Commercial Bank	17.36%	7.41%	0.93%
First Republic Bank	N/A	N/A	N/A

Valuation & Earnings

This table compares Bay Commercial Bank and First Republic Bank”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay Commercial Bank	$98.19 million	3.31	$23.61 million	$2.18	13.66
First Republic Bank	$6.75 billion	N/A	$1.67 billion	N/A	N/A

First Republic Bank has higher revenue and earnings than Bay Commercial Bank.

Insider and Institutional Ownership

66.2% of Bay Commercial Bank shares are held by institutional investors. Comparatively, 0.0% of First Republic Bank shares are held by institutional investors. 6.5% of Bay Commercial Bank shares are held by insiders. Comparatively, 0.7% of First Republic Bank shares are held 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.

Analyst Recommendations

This is a breakdown of recent recommendations and price targets for Bay Commercial Bank and First Republic Bank, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay Commercial Bank	0	1	1	0	2.50
First Republic Bank	0	0	0	0	0.00

Bay Commercial Bank presently has a consensus price target of $31.50, suggesting a potential upside of 5.78%. Given Bay Commercial Bank’s stronger consensus rating and higher possible upside, research analysts clearly believe Bay Commercial Bank is more favorable than First Republic Bank.

Risk & Volatility

Bay Commercial Bank has a beta of 0.58, indicating that its share price is 42% less volatile than the S&P 500. Comparatively, First Republic Bank has a beta of 2.26, indicating that its share price is 126% more volatile than the S&P 500.

Summary

Bay Commercial Bank beats First Republic Bank on 8 of the 11 factors compared between the two stocks.

About Bay Commercial Bank

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It offers commercial and multifamily 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 provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and 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 incorporated in 2004 and is headquartered in Walnut Creek, California.

About First Republic Bank

As of May 1, 2023, First Republic Bank went out of business. Previously, First Republic Bank provided private banking, private business banking, and private wealth management services to clients in metropolitan areas in the United States. The company was founded in 1985 and was headquartered in San Francisco, California. First Republic Bank now trades on OTCPK.