Chesapeake Financial Shares (OTCMKTS:CPKF – Get Free Report) and BayFirst Financial (NASDAQ:BAFN – Get Free Report) are both small-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, valuation, profitability, risk, analyst recommendations, dividends and institutional ownership.
Profitability
This table compares Chesapeake Financial Shares and BayFirst Financial’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Chesapeake Financial Shares | 17.24% | 15.88% | 1.20% |
| BayFirst Financial | -29.20% | -36.08% | -2.16% |
Volatility & Risk
Chesapeake Financial Shares has a beta of 0.25, suggesting that its share price is 75% less volatile than the S&P 500. Comparatively, BayFirst Financial has a beta of 0.63, suggesting that its share price is 37% less volatile than the S&P 500.
Valuation & Earnings
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Chesapeake Financial Shares | $102.27 million | 1.60 | $10.00 million | $4.22 | 8.23 |
| BayFirst Financial | $104.19 million | 0.27 | -$22.94 million | ($7.22) | -0.96 |
Chesapeake Financial Shares has higher earnings, but lower revenue than BayFirst Financial. BayFirst Financial is trading at a lower price-to-earnings ratio than Chesapeake Financial Shares, indicating that it is currently the more affordable of the two stocks.
Institutional & Insider Ownership
3.7% of Chesapeake Financial Shares shares are owned by institutional investors. Comparatively, 16.9% of BayFirst Financial shares are owned by institutional investors. 39.5% of Chesapeake Financial Shares shares are owned by insiders. Comparatively, 18.8% of BayFirst Financial shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.
Analyst Recommendations
This is a summary of current recommendations for Chesapeake Financial Shares and BayFirst Financial, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Chesapeake Financial Shares | 0 | 0 | 0 | 0 | 0.00 |
| BayFirst Financial | 1 | 0 | 0 | 0 | 1.00 |
Summary
Chesapeake Financial Shares beats BayFirst Financial on 8 of the 12 factors compared between the two stocks.
About Chesapeake Financial Shares
Chesapeake Financial Shares, Inc. operates as the bank holding company for Chesapeake Bank that provides various banking products and services for individuals and businesses in the United States. The company accepts interest and noninterest checking, savings, and money market accounts; and variable-rate and fixed-term money market accounts, as well as certificates of deposit. It also offers mortgage, and single-family residential and residential construction loans; commercial loans, which include owner-occupied commercial development, retail, builders/contractors, medical, service and professional, hospitality, nonprofits, marine industry, and agricultural and seafood loans; and consumer and other loans. In addition, the company provides merchant processing, accounts receivable financing, wealth management and trust, and mortgage banking services, as well as cash management services. The company was founded in 1900 and is based in Kilmarnock, Virginia.
About BayFirst Financial
BayFirst Financial Corp. operates as the bank holding company for BayFirst National Bank that provides community banking services for businesses and individuals. The company offers checking, savings, NOW, and money market deposit accounts, as well as certificates of deposit and individual retirement account; and safety deposit boxes. It also provides commercial real estate mortgages; construction and development, working capital, and business loans; auto, boat, and recreational vehicle loans; and residential mortgages, personal lines of credit, and home equity lines of credit. In addition, the company offers mobile and online banking, treasury management, wire transfers, cash management, merchant processing, remote deposit capture, night depositor, online bill payment, courier, retail investment, ACH originations, and other services. It operates full-service banking centers in St. Petersburg, Seminole, Pinellas Park, Clearwater, Sarasota, Tampa, Belleair Bluffs, and Bradenton, Florida. The company was formerly known as First Home Bancorp, Inc. and changed its name to BayFirst Financial Corp. in May 2021. BayFirst Financial Corp. was founded in 1999 and is headquartered in St. Petersburg, Florida.
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