BayCom (NASDAQ:BCML – received rating) and First Western Financial (NASDAQ:MYFW – received rating) are both small financial companies, but which one is the better deal? We’ll compare the two companies based on the strength of their dividends, analyst ratings, earnings, risk, profitability, valuation, and institutional ownership.
volatility and risk
BayCom has a beta of 0.73, suggesting its stock price is 27% less volatile than the S&P 500. In comparison, First Western Financial has a beta of 0.63, suggesting its stock price is 37% less is more volatile than the S&P 500.
This table compares the net margins, return on equity and return on assets of BayCom and First Western Financial.
|net margins||return on equity||return on investment|
|First western finance||19.13%||12.62%||1.07%|
This is a breakdown of the most recent ratings and price targets for BayCom and First Western Financial, as reported by MarketBeat.com.
|sell reviews||keep ratings||Buy reviews||Strong buy recommendations||rating score|
|BayCom||0||0||0||0||N / A|
|First western finance||0||0||0||0||N / A|
Insider and Institutional Property
47.1% of BayCom shares are owned by institutional investors. In comparison, 38.9% of First Western Financial’s stock is owned by institutional investors. 7.6% of BayCom shares are owned by company insiders. By comparison, 22.3% of First Western Financial’s stock is owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds, and endowments believe a stock will outperform the market over the long term.
evaluation and result
This table compares the revenue, earnings per share (EPS) and valuation of BayCom and First Western Financial.
|gross receipts||price/sales ratio||net income||earnings per share||price-earnings ratio|
|BayCom||$92.88 million||3.28||$20.69 million||$2.02||02/11|
|First western finance||$102.07 million||3.01||$20.61 million||$2.34||13.94|
BayCom has higher revenues but lower revenues than First Western Financial. BayCom is trading at a lower price-to-earnings multiple than First Western Financial, suggesting it’s the cheaper of the two stocks at the moment.
First Western Financial beats BayCom on 6 of the 11 factors compared between the two stocks.
BayCom company profile (received rating)
BayCom Corp acts as the bank holding company for United Business Bank, which provides various financial services to corporations, business owners 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 clearinghouse services, debit cards, bank and traveler’s checks, letters of credit, lockbox, positive pay, reverse positive pay, account reconciliation, and Escrow services, facilitates tax-advantaged trade exchanges, and offers zero balance and sweeping accounts, including Loan Sweep. It operates through a network of 34 full-service offices 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.
Profile of the first Western financial company (received rating)
First Western Financial, Inc., a financial holding company, provides wealth management, private banking, personal trust, investment management, mortgage lending and institutional wealth management services. The Company operates through two segments: Wealth Management and Mortgage. The Wealth Management segment provides advisory products and services for deposits, loans, insurance, and trust and investment management. The Mortgage segment is engaged in the sourcing, origination and sale of mortgage loans in the secondary market. It serves entrepreneurs, professionals, high net worth individuals or families, as well as philanthropic and business organizations. The company operates 18 profit centers, including 14 boutique private trust banking offices with 2 locations in Arizona, 9 locations in Colorado and 3 locations in Wyoming; 2 rental production offices with 1 location in Ft. Collins, Colorado and 1 location in Greenwood Village, Colorado; and 2 trust offices with 1 location in Laramie, Wyoming and 1 location in Century City, California. First Western Financial, Inc. was founded in 2002 and is headquartered in Denver, Colorado.
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