BayCom vs GBank Financial
BCML and GBFH 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 GBFH compare
BayCom is the larger company, worth 1.6 times as much as GBank Financial ($339M against $218M).
On earnings, GBank Financial is cheaper: it trades at 11.8× trailing earnings, against 37.0× for BayCom.
GBank Financial grew revenue faster over the last twelve months (19.9% versus −0.73% for BayCom).
GBank Financial keeps more of each dollar of sales as profit, with a net margin of 22.4% compared with 9.4% at BayCom.
BayCom pays a dividend yielding 3.9%; GBank Financial does not pay one.
GBank Financial scores higher on the StockData Score (11 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 | GBFH |
|---|---|---|
| Size and price | ||
| Market cap | $339M | $218M |
| Share price | $31.04 | $15.05 |
| Change, 1 year | 10.5% | −55.4% |
| Change, 5 years | 60.9% | 43.3% |
| Beta (5Y) | 0.42 | 0.32 |
| Employees | 327 | 183 |
| StockData Score | ||
| Total score | 9 | 11 (better) |
| Valuation score | 2 | 4 (better) |
| Growth score | 0 | 1 (better) |
| Performance score | 1 | 1 |
| Health score | 4 | 5 (better) |
| Dividend score | 2 (better) | 0 |
| Valuation | ||
| P/E | 37.0× | 11.8× (better) |
| P/S | 3.5× | 2.6× (better) |
| P/B | 1.0× (better) | 1.3× |
| P/FCF | 10.3× | 7.0× (better) |
| PEG | 5.78 | – |
| FCF yield | 9.7% | 14.2% (better) |
| Fair value | $21.37 | $15.32 |
| Margin of safety | −45.3% | 1.7% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.73% | 19.9% (better) |
| Revenue growth, 5Y average | 2.9% | – |
| Net income growth (TTM) | −60.2% | −5.1% (better) |
| EPS growth (TTM) | −60.0% | −7.2% (better) |
| EPS growth, 5Y average | 13.6% | – |
| Profitability | ||
| Net margin | 9.4% | 22.4% (better) |
| FCF margin | 33.7% | 37.6% (better) |
| Return on equity | 2.8% | 11.4% (better) |
| Financial health | ||
| Debt / equity | – | 0.00 |
| Altman Z-score | 0.21 | 0.25 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% | – |
| Payout ratio | 136% | – |
| Years of dividend growth | 3 | – |
| Buyback yield | – | −0.52% |
| Shareholder yield | 3.9% (better) | −0.52% |
| Ownership | ||
| Held by institutions | 64.6% | 26.3% |
| Held by insiders | 5.2% | 33.7% |
| Insider net buying, 12 months | $1.6M (better) | $1.4M |
| Short interest, % of float | 1.3% | 7.6% |
Go deeper
- BCML stock overview
- BCML income statement
- BCML valuation and score
- GBFH stock overview
- GBFH income statement
- GBFH valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.