BayCom vs First Western Financial
BCML and MYFW 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 MYFW compare
BayCom and First Western Financial are about the same size, with market caps of $339M and $307M.
On earnings, First Western Financial is cheaper: it trades at 14.7× trailing earnings, against 37.0× for BayCom.
First Western Financial grew revenue faster over the last twelve months (15.9% versus −0.73% for BayCom).
First Western Financial keeps more of each dollar of sales as profit, with a net margin of 19.2% compared with 9.4% at BayCom.
BayCom pays a dividend yielding 3.9%; First Western Financial does not pay one.
BayCom scores higher on the StockData Score (10 against 9 for First Western Financial), 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 | MYFW |
|---|---|---|
| Size and price | ||
| Market cap | $339M | $307M |
| Share price | $31.08 | $31.43 |
| Change, 1 year | 11.0% | 33.2% |
| Change, 5 years | 61.1% | 0.29% |
| Beta (5Y) | 0.42 | 0.77 |
| Employees | 327 | 320 |
| StockData Score | ||
| Total score | 10 (better) | 9 |
| Valuation score | 2 | 3 (better) |
| Growth score | 0 | 2 (better) |
| Performance score | 1 | 1 |
| Health score | 4 (better) | 3 |
| Dividend score | 3 (better) | 0 |
| Valuation | ||
| P/E | 37.0× | 14.7× (better) |
| P/S | 3.5× | 2.8× (better) |
| P/B | 1.0× (better) | 1.1× |
| P/FCF | 10.3× (better) | 15.3× |
| PEG | 5.78 | – |
| FCF yield | 9.7% (better) | 6.5% |
| Fair value | $21.40 | $31.39 |
| Margin of safety | −45.3% | −0.12% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.73% | 15.9% (better) |
| Revenue growth, 5Y average | 2.9% (better) | 0.91% |
| Net income growth (TTM) | −60.2% | 68.2% (better) |
| EPS growth (TTM) | −60.0% | 65.9% (better) |
| EPS growth, 5Y average | 13.6% (better) | −15.3% |
| Profitability | ||
| Net margin | 9.4% | 19.2% (better) |
| FCF margin | 33.7% (better) | 18.1% |
| Return on equity | 2.8% | 7.7% (better) |
| Financial health | ||
| Altman Z-score | 0.21 (better) | 0.13 |
| Piotroski F-score | 6 (better) | 4 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% | – |
| Payout ratio | 136% | – |
| Years of dividend growth | 3 | – |
| Buyback yield | – | 0.05% |
| Shareholder yield | 3.9% (better) | 0.05% |
| Ownership | ||
| Held by institutions | 64.6% | 68.8% |
| Held by insiders | 5.2% | 13.6% |
| Insider net buying, 12 months | $1.6M (better) | −$1.8M |
| Short interest, % of float | 1.3% | 1.4% |
Go deeper
- BCML stock overview
- BCML income statement
- BCML valuation and score
- MYFW stock overview
- MYFW income statement
- MYFW valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.