Bay Commercial Bank (NASDAQ:BCML – Get Free Report) and First National of Nebraska (OTCMKTS:FINN – Get Free Report) are both finance companies, but which is the superior business? We will compare the two businesses based on the strength of their risk, institutional ownership, dividends, valuation, earnings, profitability and analyst recommendations.
Insider and Institutional Ownership
66.2% of Bay Commercial Bank shares are owned by institutional investors. Comparatively, 0.7% of First National of Nebraska shares are owned by institutional investors. 2.9% of Bay Commercial Bank shares are owned by company insiders. Comparatively, 41.7% of First National of Nebraska shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock is poised for long-term growth.
Valuation and Earnings
This table compares Bay Commercial Bank and First National of Nebraska”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Bay Commercial Bank | $141.48 million | 2.50 | $23.93 million | $2.42 | 13.42 |
| First National of Nebraska | $3.35 billion | 1.51 | $532.96 million | N/A | N/A |
First National of Nebraska has higher revenue and earnings than Bay Commercial Bank.
Volatility and Risk
Bay Commercial Bank has a beta of 0.27, suggesting that its stock price is 73% less volatile than the S&P 500. Comparatively, First National of Nebraska has a beta of 0.18, suggesting that its stock price is 82% less volatile than the S&P 500.
Profitability
This table compares Bay Commercial Bank and First National of Nebraska’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Bay Commercial Bank | 18.41% | 7.84% | 1.01% |
| First National of Nebraska | N/A | N/A | N/A |
Dividends
Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.7%. First National of Nebraska pays an annual dividend of $160.00 per share and has a dividend yield of 0.9%. Bay Commercial Bank pays out 49.6% of its earnings in the form of a dividend. Bay Commercial Bank has raised its dividend for 3 consecutive years. Bay Commercial Bank is clearly the better dividend stock, given its higher yield and longer track record of dividend growth.
Analyst Ratings
This is a breakdown of current ratings for Bay Commercial Bank and First National of Nebraska, as provided by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Bay Commercial Bank | 0 | 3 | 1 | 0 | 2.25 |
| First National of Nebraska | 0 | 0 | 0 | 0 | 0.00 |
Bay Commercial Bank presently has a consensus price target of $34.00, suggesting a potential upside of 4.70%. Given Bay Commercial Bank’s stronger consensus rating and higher probable upside, equities research analysts plainly believe Bay Commercial Bank is more favorable than First National of Nebraska.
Summary
Bay Commercial Bank beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.
About Bay Commercial Bank
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; 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 incorporated in 2004 and is headquartered in Walnut Creek, California.
About First National of Nebraska
First National of Nebraska, Inc. operates as the bank holding company for First National Bank of Omaha that provides various banking products and services. The company offers checking, savings, and individual retirement accounts; certificates of deposit; and credit cards. It also provides personal loans and lines of credit; auto loans; mortgage loans; home equity lines of credit and loans; small business loans and lines of credit; small business administration loans; and commercial lending solutions. In addition, the company offers treasury management, debt consolidation, financial planning, retirement planning, wealth management, merchant, and payroll services; and personal, commercial, and farm insurance products. Further, it provides solutions for agribusiness, commercial real estate, healthcare, transportation, and correspondent banking; investment services, such as capital market and institutional asset management; and digital banking services. First National of Nebraska, Inc. was founded in 1857 and is headquartered in Omaha, Nebraska.
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