BayCom vs Five Star Bancorp
BCML and FSBC 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 FSBC compare
Five Star Bancorp is the larger company, worth 3.3 times as much as BayCom ($1.1B against $336M).
On earnings, Five Star Bancorp is cheaper: it trades at 13.3× trailing earnings, against 25.6× for BayCom.
Five Star Bancorp grew revenue faster over the last twelve months (26.5% versus 5.3% for BayCom).
Five Star Bancorp keeps more of each dollar of sales as profit, with a net margin of 40.5% compared with 12.6% at BayCom.
Both pay dividends: BayCom yields 3.9% and Five Star Bancorp 2.1%.
Five Star Bancorp scores higher on the StockData Score (14 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 | FSBC |
|---|---|---|
| Size and price | ||
| Market cap | $336M | $1.1B |
| Share price | $30.77 | $44.92 |
| Change, 1 year | 13.2% | 24.2% |
| Change, 5 years | 59.7% | 64.8% |
| Beta (5Y) | 0.43 | 0.81 |
| Employees | 327 | 233 |
| StockData Score | ||
| Total score | 9 | 14 (better) |
| Valuation score | 2 (better) | 0 |
| Growth score | 0 | 3 (better) |
| Performance score | 1 | 5 (better) |
| Health score | 3 | 3 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 25.6× | 13.3× (better) |
| P/S | 3.2× (better) | 6.2× |
| P/B | 1.0× (better) | 2.3× |
| P/FCF | 12.7× (better) | 13.7× |
| PEG | 4.01 | 3.72 (better) |
| FCF yield | 7.9% (better) | 7.3% |
| Fair value | $23.42 | $34.37 |
| Margin of safety | −31.4% | −30.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 5.3% | 26.5% (better) |
| Revenue growth, 5Y average | 2.9% | 16.3% (better) |
| Net income growth (TTM) | −45.9% | 38.8% (better) |
| EPS growth (TTM) | −45.0% | 38.0% (better) |
| EPS growth, 5Y average | 13.6% (better) | −4.1% |
| Profitability | ||
| Net margin | 12.6% | 40.5% (better) |
| FCF margin | 25.6% | 45.3% (better) |
| Return on equity | 3.9% | 16.2% (better) |
| Financial health | ||
| Altman Z-score | 0.22 (better) | 0.21 |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% (better) | 2.1% |
| Payout ratio | 87.6% | 26.7% |
| Years of dividend growth | 3 (better) | 0 |
| Dividend growth, 5Y average | – | −21.2% |
| Shareholder yield | 3.9% (better) | 2.1% |
| Ownership | ||
| Held by institutions | 64.6% | 52.9% |
| Held by insiders | 5.2% | 18.1% |
| Insider net buying, 12 months | $1.6M | $5.4M (better) |
| Short interest, % of float | 1.8% | 6.4% |
Go deeper
- BCML stock overview
- BCML income statement
- BCML valuation and score
- FSBC stock overview
- FSBC income statement
- FSBC valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.