Head-To-Head Review: VSB Bancorp (OTCMKTS:VSBN) versus BayCom (OTCMKTS:BCML)

VSB Bancorp (OTCMKTS:VSBN) and BayCom (NASDAQ:BCML) are both small-cap finance companies, but which is the superior business? We will contrast the two companies based on the strength of their earnings, profitability, valuation, institutional ownership, analyst recommendations, risk and dividends.

Analyst Recommendations

This is a summary of current recommendations and price targets for VSB Bancorp and BayCom, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
VSB Bancorp 0 0 0 0 N/A
BayCom 0 0 2 0 3.00

BayCom has a consensus price target of $26.25, indicating a potential upside of 16.98%. Given BayCom’s higher probable upside, analysts clearly believe BayCom is more favorable than VSB Bancorp.

Valuation & Earnings

This table compares VSB Bancorp and BayCom’s top-line revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
VSB Bancorp $15.76 million 2.49 $3.26 million N/A N/A
BayCom $63.94 million 4.54 $14.49 million $1.65 13.60

BayCom has higher revenue and earnings than VSB Bancorp.

Profitability

This table compares VSB Bancorp and BayCom’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
VSB Bancorp 21.97% 10.16% 0.97%
BayCom 19.58% N/A N/A

Risk and Volatility

VSB Bancorp has a beta of 0.49, meaning that its stock price is 51% less volatile than the S&P 500. Comparatively, BayCom has a beta of 0.36, meaning that its stock price is 64% less volatile than the S&P 500.

Insider & Institutional Ownership

3.4% of VSB Bancorp shares are held by institutional investors. Comparatively, 53.2% of BayCom shares are held by institutional investors. 30.0% of VSB Bancorp shares are held by company insiders. Comparatively, 5.6% of BayCom shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock is poised for long-term growth.

Summary

BayCom beats VSB Bancorp on 7 of the 12 factors compared between the two stocks.

VSB Bancorp Company Profile

VSB Bancorp, Inc. operates as the holding company for Victory State Bank that provides commercial and retail banking products and services primarily in Staten Island, New York. It accepts various deposits from individuals and businesses; grants loans; and invests funds primarily in government securities, mortgage backed securities, and collateralized mortgage obligations, as well as provides Internet banking services. The operates five full service located in Great Kills, Forest Avenue, Hyatt Street, Hylan Boulevard, and Bay Street, Staten Island. VSB Bancorp, Inc. was founded in 1997 and is based in Staten Island, New York.

BayCom Company Profile

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to businesses, business owners, and individuals. The company offers demand, savings, money market, and time deposit accounts. It also provides commercial and multi-family 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 offers online and mobile banking, automated teller machine, remote deposit capture, night depository, direct deposit, treasury management, wire transfer, and automated clearing house services; debit cards, cashier's and travelers checks, and letters of credit; lockbox, positive pay, reverse positive pay, and account reconciliation services; and escrow services, as well as facilitates tax-deferred commercial exchanges. It operates through a network of 22 full service branches and one loan production office located in San Francisco Bay Area, California; 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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