Analysis of Community Financial (NASDAQ:TCFC) and BayCom (NASDAQ:BCML)

community finances (NASDAQ: TCFCreceived rating) and Baycom (NASDAQ:BCMLreceived rating) are both small financial companies, but which is the better company? We’ll compare the two companies based on their dividend strength, valuation, earnings, analyst recommendations, profitability, institutional ownership, and risk.


This table compares the net margins, return on equity, and return on assets of Community Financial and BayCom.

net margins return on equity return on investment
Community finances 33.51% 12.79% 1.13%
BayCom 22.74% 8.26% 0.92%

Institutional and Insider Ownership

37.8% of Community Financial stock is owned by institutional investors. In comparison, 47.1% of BayCom shares are owned by institutional investors. 8.0% of Community Financial stock is owned by corporate insiders. In comparison, 7.6% of BayCom stock is owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds, and endowments believe a company is poised for long-term growth.


Community Financial pays an annual dividend of $0.70 per share and has a dividend yield of 1.9%. BayCom pays an annual dividend of $0.20 per share and has a dividend yield of 0.9%. Community Financial pays out 15.6% of its earnings in the form of a dividend. BayCom pays out 9.9% of its profits in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for years to come. Community Financial has increased its dividend for 1 year in a row. Community Financial is clearly the better dividend stock because it has a higher yield and a longer track record of dividend growth.

Rating & Result

This table compares gross earnings, earnings per share (EPS), and valuation from Community Financial and BayCom.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
Community finances $78.46 million 2.67 $25.89 million $4.50 8.25
BayCom $92.88 million 3.33 $20.69 million $2.02 11.19

Community Financial has higher revenues but lower revenues than BayCom. Community Financial is trading at a lower price-to-earnings multiple than BayCom, suggesting it’s the cheaper of the two stocks at the moment.

Volatility & Risk

Community Financial has a beta of 0.81, suggesting its stock price is 19% less volatile than the S&P 500. In comparison, BayCom has a beta of 0.73, suggesting its stock price is 27% less volatile is than the S&P 500.

Analyst Recommendations

This is a breakdown of the current recommendations and price targets for Community Financial and BayCom as provided by MarketBeat.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
Community finances 0 1 0 0 2.00
BayCom 0 0 0 0 N / A

Community Financial currently has a consensus price target of $45.00, which suggests a potential upside of 21.26%. Given BayCom’s higher potential upside potential, analysts clearly believe BayCom is cheaper than Community Financial.


Community Financial beats BayCom on 9 of the 15 factors compared between the two stocks.

About Community Financial (received rating)

Community Financial Corporation acts as the banking holding company for Community Bank of the Chesapeake, which provides commercial and retail banking services to individuals and businesses. The company offers sight, savings, money market and time deposit accounts and certificates of deposit; and commercial and other non-residential real estate, first residential mortgage, residential rental mortgage, construction and property development, home ownership and second mortgage, commercial, consumer and commercial equipment loans. It also offers safety deposit boxes, overnight deposits, money safes, automated clearinghouse transactions, remittances, automated teller machines (ATM), online and phone banking, retail and business mobile banking, remote deposit capture, mutual deposit, merchant card and credit monitoring, investments, positive pay, Payroll, account reconciliation, bill payment, credit card and locker services. As of December 31, 2021, the Company operated 11 full-service locations in Waldorf, Bryans Road, Dunkirk, Leonardtown, La Plata, Charlotte Hall, Prince Frederick, Lusby and California, Maryland and Fredericksburg, Virginia; 4 rental production offices in La Plata, Prince Frederick and Leonardtown, Maryland and Fredericksburg, Virginia; and 14 ATMs. The company was formerly known as Tri-County Financial Corporation and changed its name to The Community Financial Corporation in October 2013. Community Financial Corporation was founded in 1950 and is headquartered in Waldorf, Maryland.

About BayCom (received rating)

BayCom Corp acts as the bank holding company for United Business Bank, which provides various financial services to small and medium-sized businesses, service professionals and individuals. The company offers sight, savings, money market and time deposit accounts. It also offers commercial and multi-family home loans, including owner-occupier and investor home loans; commercial and industrial loans, such as B. equipment credits and working capital lines of credit; small business management loans; construction and real estate loans; agriculture related loans; and consumer credit, which includes installment loans, unsecured and secured personal lines of credit, and bank overdrafts. In addition, the Company provides online and mobile banking, ATM, remote deposit capture, overnight deposit, courier, direct deposit, treasury, remittance, automated clearing house services, debit card, bank and traveller’s checks, letters of credit, lockbox, positive pay, reverse positive pay and account reconciliation services as well Zero Balance and Sweep Accounts, including Loan Sweep. As of December 31, 2021, it operated through a network of 33 full-service bank branches in Northern and Southern California; Denver, Colo.; Custer, Delta and Grand Counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was founded in 2004 and is headquartered in Walnut Creek, California.

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