Reviewing First National of Nebraska (OTCMKTS:FINN) and Bay Commercial Bank (NASDAQ:BCML)

First National of Nebraska (OTCMKTS:FINN) and Bay Commercial Bank (NASDAQ:BCML) are both finance companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, earnings, institutional ownership, dividends, valuation, analyst recommendations and risk.

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for First National of Nebraska and Bay Commercial Bank, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
First National of Nebraska	0	0	0	0	0.00
Bay Commercial Bank	0	3	1	0	2.25

Bay Commercial Bank has a consensus target price of $34.00, indicating a potential upside of 4.70%. Given Bay Commercial Bank’s stronger consensus rating and higher probable upside, analysts plainly believe Bay Commercial Bank is more favorable than First National of Nebraska.

Profitability

This table compares First National of Nebraska and Bay Commercial Bank’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
First National of Nebraska	N/A	N/A	N/A
Bay Commercial Bank	18.41%	7.84%	1.01%

Insider & Institutional Ownership

0.7% of First National of Nebraska shares are owned by institutional investors. Comparatively, 66.2% of Bay Commercial Bank shares are owned by institutional investors. 41.7% of First National of Nebraska shares are owned by company insiders. Comparatively, 2.9% of Bay Commercial Bank shares are owned by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a stock will outperform the market over the long term.

Dividends

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 an annual dividend of $1.20 per share and has a dividend yield of 3.7%. 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.

Valuation and Earnings

This table compares First National of Nebraska and Bay Commercial Bank”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
First National of Nebraska	$3.35 billion	1.51	$532.96 million	N/A	N/A
Bay Commercial Bank	$141.48 million	2.50	$23.93 million	$2.42	13.42

First National of Nebraska has higher revenue and earnings than Bay Commercial Bank.

Volatility & Risk

First National of Nebraska has a beta of 0.18, meaning that its stock price is 82% less volatile than the S&P 500. Comparatively, Bay Commercial Bank has a beta of 0.27, meaning that its stock price is 73% less volatile than the S&P 500.

Summary

Bay Commercial Bank beats First National of Nebraska on 11 of the 15 factors compared between the two stocks.

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.

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.