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 3.2 times as much as BayCom ($1.1B against $341M).
On earnings, Five Star Bancorp is cheaper: it trades at 12.6× trailing earnings, against 37.2× for BayCom.
Five Star Bancorp grew revenue faster over the last twelve months (26.0% versus −0.73% for BayCom).
Five Star Bancorp keeps more of each dollar of sales as profit, with a net margin of 41.0% compared with 9.4% at BayCom.
Both pay dividends: BayCom yields 3.8% and Five Star Bancorp 2.3%.
Five Star Bancorp scores higher on the StockData Score (13 against 10 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 | $341M | $1.1B |
| Share price | $31.25 | $44.42 |
| Change, 1 year | 12.3% | 28.9% |
| Change, 5 years | 62.0% | 44.0% |
| Beta (5Y) | 0.42 | 0.81 |
| Employees | 327 | 233 |
| StockData Score | ||
| Total score | 10 | 13 (better) |
| Valuation score | 2 (better) | 0 |
| Growth score | 0 | 3 (better) |
| Performance score | 1 | 4 (better) |
| Health score | 4 (better) | 3 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 37.2× | 12.6× (better) |
| P/S | 3.5× (better) | 5.8× |
| P/B | 1.0× (better) | 1.8× |
| P/FCF | 10.4× (better) | 12.4× |
| PEG | 5.82 | 3.52 (better) |
| FCF yield | 9.6% (better) | 8.1% |
| Fair value | $21.39 | $39.60 |
| Margin of safety | −46.1% | −12.2% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.73% | 26.0% (better) |
| Revenue growth, 5Y average | 2.9% | 16.3% (better) |
| Net income growth (TTM) | −60.2% | 35.4% (better) |
| EPS growth (TTM) | −60.0% | 30.7% (better) |
| EPS growth, 5Y average | 13.6% (better) | −4.1% |
| Profitability | ||
| Net margin | 9.4% | 41.0% (better) |
| FCF margin | 33.7% | 46.6% (better) |
| Return on equity | 2.8% | 14.8% (better) |
| Financial health | ||
| Altman Z-score | 0.21 | 0.22 (better) |
| Piotroski F-score | 6 | 6 |
| Dividends and buybacks | ||
| Dividend yield | 3.8% (better) | 2.3% |
| Payout ratio | 136% | 27.2% |
| Years of dividend growth | 3 (better) | 0 |
| Dividend growth, 5Y average | – | −21.2% |
| Shareholder yield | 3.8% (better) | 2.3% |
| Ownership | ||
| Held by institutions | 64.6% | 52.9% |
| Held by insiders | 5.2% | 18.1% |
| Insider net buying, 12 months | $1.6M | $5.3M (better) |
| Short interest, % of float | 1.3% | 6.1% |
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.