Banco Bilbao Viscaya Argentaria (NYSE:BBVA – Get Free Report) and Bay Commercial Bank (NASDAQ:BCML – Get Free Report) are both finance companies, but which is the better stock? We will contrast the two companies based on the strength of their institutional ownership, risk, valuation, profitability, analyst recommendations, earnings and dividends.
Insider & Institutional Ownership
3.0% of Banco Bilbao Viscaya Argentaria shares are held by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are held by institutional investors. 0.0% of Banco Bilbao Viscaya Argentaria shares are held by insiders. Comparatively, 2.9% of Bay Commercial Bank shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.
Earnings & Valuation
This table compares Banco Bilbao Viscaya Argentaria and Bay Commercial Bank”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Banco Bilbao Viscaya Argentaria | $42.54 billion | 3.54 | $11.89 billion | $2.20 | 12.25 |
| Bay Commercial Bank | $104.88 million | 3.25 | $23.93 million | $1.20 | 25.99 |
Banco Bilbao Viscaya Argentaria has higher revenue and earnings than Bay Commercial Bank. Banco Bilbao Viscaya Argentaria is trading at a lower price-to-earnings ratio than Bay Commercial Bank, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a breakdown of current ratings and recommmendations for Banco Bilbao Viscaya Argentaria and Bay Commercial Bank, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Banco Bilbao Viscaya Argentaria | 0 | 7 | 1 | 0 | 2.12 |
| Bay Commercial Bank | 0 | 3 | 1 | 1 | 2.60 |
Bay Commercial Bank has a consensus target price of $34.00, indicating a potential upside of 9.01%. Given Bay Commercial Bank’s stronger consensus rating and higher probable upside, analysts clearly believe Bay Commercial Bank is more favorable than Banco Bilbao Viscaya Argentaria.
Profitability
This table compares Banco Bilbao Viscaya Argentaria and Bay Commercial Bank’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Banco Bilbao Viscaya Argentaria | 27.75% | 18.05% | 1.27% |
| Bay Commercial Bank | 9.20% | 6.98% | 0.90% |
Dividends
Banco Bilbao Viscaya Argentaria pays an annual dividend of $1.13 per share and has a dividend yield of 4.2%. Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.8%. Banco Bilbao Viscaya Argentaria pays out 51.4% of its earnings in the form of a dividend. Bay Commercial Bank pays out 100.0% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. Bay Commercial Bank has raised its dividend for 3 consecutive years. Banco Bilbao Viscaya Argentaria is clearly the better dividend stock, given its higher yield and lower payout ratio.
Risk & Volatility
Banco Bilbao Viscaya Argentaria has a beta of 0.82, indicating that its share price is 18% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.32, indicating that its share price is 68% less volatile than the S&P 500.
Summary
Banco Bilbao Viscaya Argentaria beats Bay Commercial Bank on 10 of the 17 factors compared between the two stocks.
About Banco Bilbao Viscaya Argentaria
Banco Bilbao Vizcaya Argentaria, S.A. provides retail banking, wholesale banking, and asset management services in the United States, Spain, Mexico, Turkey, South America, and internationally. The company offers savings account, demand deposits, and time deposits; and loan products, such as residential mortgages, other households, credit card loans, loans to enterprises and public sector, as well as consumer finance. It provides insurance and asset management business, including corporate, commercial, SME, payment systems, retail, private and investment banking, pension and life insurance, leasing, factoring, and brokerage. The company provides its products through online and mobile channels. Banco Bilbao Vizcaya Argentaria, S.A. was founded in 1857 and is headquartered in Bilbao, Spain.
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.
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