BayCom vs Oak Valley Bancorp
BCML and OVLY 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 OVLY compare
BayCom is the larger company, worth 1.2 times as much as Oak Valley Bancorp ($339M against $290M).
On earnings, Oak Valley Bancorp is cheaper: it trades at 12.4× trailing earnings, against 37.0× for BayCom.
Oak Valley Bancorp grew revenue faster over the last twelve months (5.8% versus −0.73% for BayCom).
Oak Valley Bancorp keeps more of each dollar of sales as profit, with a net margin of 27.5% compared with 9.4% at BayCom.
Both pay dividends: BayCom yields 3.9% and Oak Valley Bancorp 2.2%.
BayCom scores higher on the StockData Score (10 against 9 for Oak Valley Bancorp), 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 | OVLY |
|---|---|---|
| Size and price | ||
| Market cap | $339M | $290M |
| Share price | $31.08 | $34.42 |
| Change, 1 year | 11.0% | 20.1% |
| Change, 5 years | 61.1% | 97.1% |
| Beta (5Y) | 0.42 | 0.37 |
| Employees | 327 | 245 |
| StockData Score | ||
| Total score | 10 (better) | 9 |
| Valuation score | 2 (better) | 1 |
| Growth score | 0 | 0 |
| Performance score | 1 | 3 (better) |
| Health score | 4 (better) | 2 |
| Dividend score | 3 | 3 |
| Valuation | ||
| P/E | 37.0× | 12.4× (better) |
| P/S | 3.5× | 3.4× (better) |
| P/B | 1.0× (better) | 1.5× |
| P/FCF | 10.3× (better) | 10.6× |
| PEG | 5.78 (better) | 11.64 |
| FCF yield | 9.7% (better) | 9.4% |
| Fair value | $21.40 | $29.36 |
| Margin of safety | −45.3% | −17.2% (better) |
| Growth | ||
| Revenue growth (TTM) | −0.73% | 5.8% (better) |
| Revenue growth, 5Y average | 2.9% | 10.4% (better) |
| Net income growth (TTM) | −60.2% | −1.6% (better) |
| EPS growth (TTM) | −60.0% | −2.5% (better) |
| EPS growth, 5Y average | 13.6% (better) | 11.4% |
| Profitability | ||
| Net margin | 9.4% | 27.5% (better) |
| FCF margin | 33.7% (better) | 32.3% |
| Return on equity | 2.8% | 11.9% (better) |
| Financial health | ||
| Altman Z-score | 0.21 | 0.29 (better) |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | 3.9% (better) | 2.2% |
| Payout ratio | 136% | 27.2% |
| Years of dividend growth | 3 | 5 (better) |
| Dividend growth, 5Y average | – | 33.8% |
| Shareholder yield | 3.9% (better) | 2.2% |
| Ownership | ||
| Held by institutions | 64.6% | 35.0% |
| Held by insiders | 5.2% | 22.9% |
| Insider net buying, 12 months | $1.6M (better) | $94.5K |
| Short interest, % of float | 1.3% | 0.99% |
Go deeper
- BCML stock overview
- BCML income statement
- BCML valuation and score
- OVLY stock overview
- OVLY income statement
- OVLY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.