BayCom vs Sierra Bancorp
BCML and BSRR side by side, both in commercial banks. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How BCML and BSRR compare
Sierra Bancorp is the larger company, worth 1.6 times as much as BayCom ($543M against $336M).
On earnings, Sierra Bancorp is cheaper: it trades at 10.8× trailing earnings, against 25.6× for BayCom.
BayCom grew revenue faster over the last twelve months (5.3% versus 2.8% for Sierra Bancorp).
Sierra Bancorp keeps more of each dollar of sales as profit, with a net margin of 40.8% compared with 12.6% at BayCom.
Both pay dividends: BayCom yields 3.9% and Sierra Bancorp 2.5%.
Sierra Bancorp scores higher on the StockData Score (16 against 9 for BayCom), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | BCML | BSRR |
|---|---|---|
| Size and price | ||
| Market cap | $336M | $543M |
| Share price | $30.77 | $41.90 |
| Change, 1 year | 13.2% | 43.1% |
| Change, 5 years | 59.7% | 59.1% |
| Beta (5Y) | 0.43 | 0.67 |
| Employees | 327 | 55 |
| StockData Score | ||
| Total score | 9 | 16 (better) |
| Valuation score | 2 (better) | 1 |
| Growth score | 0 | 2 (better) |
| Performance score | 1 | 5 (better) |
| Health score | 3 | 4 (better) |
| Dividend score | 3 | 4 (better) |
| Valuation | ||
| P/E | 25.6× | 10.8× (better) |
| P/S | 3.2× (better) | 4.4× |
| P/B | 1.0× (better) | 1.5× |
| P/FCF | 12.7× | 10.7× (better) |
| PEG | 4.01 | 0.93 (better) |
| FCF yield | 7.9% | 9.3% (better) |
| Fair value | $23.42 | $37.65 |
| Margin of safety | −31.4% | −11.3% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.3% (better) | 2.8% |
| Revenue growth, 5Y average | 2.9% | 3.5% (better) |
| Net income growth (TTM) | −45.9% | 27.2% (better) |
| EPS growth (TTM) | −45.0% | 35.2% (better) |
| EPS growth, 5Y average | 13.6% (better) | 6.0% |
| Profitability | ||
| Net margin | 12.6% | 40.8% (better) |
| FCF margin | 25.6% | 40.9% (better) |
| Return on equity | 3.9% | 14.0% (better) |
| Financial health | ||
| Altman Z-score | 0.22 | 0.24 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% (better) | 2.5% |
| Payout ratio | 87.6% | 27.1% |
| Years of dividend growth | 3 (better) | 2 |
| Dividend growth, 5Y average | – | 4.6% |
| Buyback yield | – | 4.1% |
| Shareholder yield | 3.9% | 6.6% (better) |
| Ownership | ||
| Held by institutions | 64.6% | 60.0% |
| Held by insiders | 5.2% | 7.0% |
| Insider net buying, 12 months | $1.6M (better) | −$2.3M |
| Short interest, % of float | 1.8% | 3.3% |
Go deeper
- BCML stock overview
- BCML income statement
- BCML valuation and score
- BSRR stock overview
- BSRR income statement
- BSRR valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.