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Bay Community Bancorp

CBOBA

(3.0)
Stock Price

13,95 USD

0.81% ROA

4.19% ROE

14.24x PER

Market Cap.

114.859.890,00 USD

51.15% DER

1.56% Yield

15.96% NPM

Bay Community Bancorp Stock Analysis

Bay Community Bancorp Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bay Community Bancorp Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a minimal amount of debt (38%) relative to its ownership, showcasing a strong financial position and lower risk for investors.

3 Revenue Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Net Profit Growth

Over the last five years, this company's net profit has shown continuous growth, reflecting a robust financial performance and making it an attractive choice for potential investors.

5 ROE

ROE in an average range (6.59%) suggests satisfactory profitability and decent utilization of shareholders' equity.

6 ROA

The stock's ROA (0.89%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

7 Dividend Growth

Investors can be encouraged by the company's strong dividend growth over the past three years, highlighting its ability to generate consistent returns and provide an attractive investment opportunity.

8 Dividend

The company has consistently provided dividends over the past three years, indicating a reliable source of income for investors.

9 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

10 Graham Number

The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity.

11 Buffet Intrinsic Value

The company's stock shows signs of being overvalued (0) according to Warren Buffett's formula, indicating a potential downside as its market price exceeds its estimated intrinsic value.

Bay Community Bancorp Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bay Community Bancorp Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bay Community Bancorp Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bay Community Bancorp Revenue
Year Revenue Growth
2002 1.697.486
2003 1.393.332 -21.83%
2004 1.994.505 30.14%
2005 2.597.000 23.2%
2006 3.574.000 27.34%
2007 3.926.000 8.97%
2013 8.024.524 51.07%
2014 9.234.723 13.1%
2015 12.151.562 24%
2016 12.215.230 0.52%
2017 12.098.746 -0.96%
2018 17.128.487 29.36%
2019 22.604.425 24.23%
2020 24.285.739 6.92%
2021 27.114.878 10.43%
2022 35.748.100 24.15%
2023 35.538.689 -0.59%
2024 39.820.000 10.75%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bay Community Bancorp Research and Development Expenses
Year Research and Development Expenses Growth
2002 0
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bay Community Bancorp General and Administrative Expenses
Year General and Administrative Expenses Growth
2002 926.937
2003 1.062.892 12.79%
2004 1.019.753 -4.23%
2005 1.119.000 8.87%
2006 1.595.000 29.84%
2007 1.506.000 -5.91%
2013 4.714.893 68.06%
2014 5.104.122 7.63%
2015 6.009.283 15.06%
2016 6.068.927 0.98%
2017 5.849.827 -3.75%
2018 8.072.285 27.53%
2019 8.733.626 7.57%
2020 8.785.485 0.59%
2021 11.198.731 21.55%
2022 13.728.796 18.43%
2023 16.364.735 16.11%
2024 5.200.000 -214.71%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bay Community Bancorp EBITDA
Year EBITDA Growth
2002 -347.434
2003 -556.766 37.6%
2004 178.933 411.16%
2005 405.000 55.82%
2006 608.000 33.39%
2007 882.000 31.07%
2013 1.410.820 37.48%
2014 -81.200 1837.46%
2015 -81.200 0%
2016 -81.200 0%
2017 -81.200 0%
2018 -71.725 -13.21%
2019 137.813 152.05%
2020 281.744 51.09%
2021 376.327 25.13%
2022 370.147 -1.67%
2023 350.586 -5.58%
2024 -740.004 147.38%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bay Community Bancorp Gross Profit
Year Gross Profit Growth
2002 1.697.486
2003 1.393.332 -21.83%
2004 1.994.505 30.14%
2005 2.597.000 23.2%
2006 3.574.000 27.34%
2007 3.926.000 8.97%
2013 8.024.524 51.07%
2014 9.234.723 13.1%
2015 12.151.562 24%
2016 12.215.230 0.52%
2017 12.098.746 -0.96%
2018 17.128.487 29.36%
2019 22.604.425 24.23%
2020 24.285.739 6.92%
2021 27.114.878 10.43%
2022 35.748.100 24.15%
2023 35.537.160 -0.59%
2024 57.652.000 38.36%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bay Community Bancorp Net Profit
Year Net Profit Growth
2002 -493.603
2003 -735.643 32.9%
2004 66.394 1208%
2005 404.000 83.57%
2006 428.000 5.61%
2007 575.000 25.57%
2013 1.955.184 70.59%
2014 1.625.762 -20.26%
2015 1.332.897 -21.97%
2016 1.788.995 25.49%
2017 1.227.426 -45.75%
2018 2.826.921 56.58%
2019 4.072.616 30.59%
2020 4.887.479 16.67%
2021 7.413.410 34.07%
2022 8.061.347 8.04%
2023 8.233.860 2.1%
2024 8.087.996 -1.8%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bay Community Bancorp Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2002 -2
2003 -2 50%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 1 0%
2021 1 0%
2022 1 0%
2023 1 0%
2024 1 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bay Community Bancorp Free Cashflow
Year Free Cashflow Growth
2002 216.585
2003 -561.835 138.55%
2004 -94.052 -497.37%
2005 0 0%
2006 0 0%
2007 0 0%
2013 2.077.046 100%
2014 3.857.355 46.15%
2015 993.057 -288.43%
2016 1.431.874 30.65%
2017 1.830.776 21.79%
2018 2.445.441 25.14%
2019 3.592.525 31.93%
2020 3.025.016 -18.76%
2021 9.461.869 68.03%
2022 7.368.566 -28.41%
2023 8.465.404 12.96%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bay Community Bancorp Operating Cashflow
Year Operating Cashflow Growth
2002 222.768
2003 -462.126 148.21%
2004 -52.153 -786.1%
2005 0 0%
2006 0 0%
2007 0 0%
2013 2.507.877 100%
2014 4.076.828 38.48%
2015 1.144.139 -256.32%
2016 1.523.176 24.88%
2017 1.871.301 18.6%
2018 2.518.555 25.7%
2019 4.821.648 47.77%
2020 6.490.285 25.71%
2021 9.500.941 31.69%
2022 7.491.984 -26.81%
2023 8.915.405 15.97%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bay Community Bancorp Capital Expenditure
Year Capital Expenditure Growth
2002 6.183
2003 99.709 93.8%
2004 41.899 -137.97%
2005 0 0%
2006 0 0%
2007 0 0%
2013 430.831 100%
2014 219.473 -96.3%
2015 151.082 -45.27%
2016 91.302 -65.48%
2017 40.525 -125.3%
2018 73.114 44.57%
2019 1.229.123 94.05%
2020 3.465.269 64.53%
2021 39.072 -8768.93%
2022 123.418 68.34%
2023 450.001 72.57%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bay Community Bancorp Equity
Year Equity Growth
2002 2.656.170
2003 1.791.964 -48.23%
2004 7.233.823 75.23%
2005 7.567.000 4.4%
2006 8.152.000 7.18%
2007 9.306.000 12.4%
2013 19.022.880 51.08%
2014 21.020.509 9.5%
2015 22.569.601 6.86%
2016 24.891.203 9.33%
2017 37.699.867 33.98%
2018 47.675.649 20.92%
2019 56.066.839 14.97%
2020 61.747.087 9.2%
2021 68.033.453 9.24%
2022 184.845.903 63.19%
2023 192.862.088 4.16%
2024 195.515.000 1.36%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bay Community Bancorp Assets
Year Assets Growth
2002 43.592.982
2003 37.298.844 -16.87%
2004 40.599.201 8.13%
2005 55.048.000 26.25%
2006 68.147.000 19.22%
2007 64.611.000 -5.47%
2013 175.372.787 63.16%
2014 225.245.826 22.14%
2015 241.394.868 6.69%
2016 249.030.453 3.07%
2017 295.689.164 15.78%
2018 390.771.488 24.33%
2019 493.804.592 20.87%
2020 635.627.797 22.31%
2021 716.622.948 11.3%
2022 970.752.640 26.18%
2023 975.025.485 0.44%
2024 1.007.463.000 3.22%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bay Community Bancorp Liabilities
Year Liabilities Growth
2002 66.383
2003 385.565 82.78%
2004 168.910 -128.27%
2005 47.481.000 99.64%
2006 59.995.000 20.86%
2007 55.305.000 -8.48%
2013 156.349.907 64.63%
2014 204.225.317 23.44%
2015 218.825.267 6.67%
2016 224.139.250 2.37%
2017 257.989.297 13.12%
2018 343.095.839 24.81%
2019 437.737.753 21.62%
2020 573.880.710 23.72%
2021 648.602.146 11.52%
2022 785.906.737 17.47%
2023 782.163.397 -0.48%
2024 811.948.000 3.67%

Bay Community Bancorp Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
5.94
Net Income per Share
0.95
Price to Earning Ratio
14.24x
Price To Sales Ratio
2.26x
POCF Ratio
0
PFCF Ratio
0
Price to Book Ratio
0.59
EV to Sales
1.86
EV Over EBITDA
-689.38
EV to Operating CashFlow
0
EV to FreeCashFlow
0
Earnings Yield
0.07
FreeCashFlow Yield
0
Market Cap
0,11 Bil.
Enterprise Value
0,09 Bil.
Graham Number
22.07
Graham NetNet
-80.77

Income Statement Metrics

Net Income per Share
0.95
Income Quality
0
ROE
0.04
Return On Assets
0.01
Return On Capital Employed
0.01
Net Income per EBT
0.7
EBT Per Ebit
0.99
Ebit per Revenue
0.23
Effective Tax Rate
0.29

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
1.09
Operating Profit Margin
0.23
Pretax Profit Margin
0.23
Net Profit Margin
0.16

Dividends

Dividend Yield
0.02
Dividend Yield %
1.56
Payout Ratio
0
Dividend Per Share
0.21

Operating Metrics

Operating Cashflow per Share
0
Free CashFlow per Share
0
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.03
Return on Tangible Assets
0.01
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
14,06
Book Value per Share
22,84
Tangible Book Value per Share
22.84
Shareholders Equity per Share
22.84
Interest Debt per Share
12.28
Debt to Equity
0.51
Debt to Assets
0.1
Net Debt to EBITDA
149.01
Current Ratio
15.74
Tangible Asset Value
0,20 Bil.
Net Current Asset Value
-0,69 Bil.
Invested Capital
113828000
Working Capital
0,11 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
0.87

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bay Community Bancorp Dividends
Year Dividends Growth
2021 0
2022 0 0%
2023 0 0%
2024 0 0%

Bay Community Bancorp Profile

About Bay Community Bancorp

Bay Community Bancorp operates as the bank holding company for Community Bank of the Bay that provides various banking services to individuals and businesses in the greater San Francisco Bay area. The company offers checking, savings, and money market products, as well as certificates of deposit; and loan products comprising business and term loans, lines of credit, letter of credit, commercial and industrial, real estate, non-profit, construction and land, and paycheck protection program loans. It also provides cash management products and services, including remote deposit capture, cash vault, domestic and international wires, and positive pay services. In addition, the company offers online banking and mobile banking services; and credit and debit cards. It has branches in Danville, Oakland, and San Mateo. The company was founded in 1996 and is headquartered in Oakland, California.

CEO
Mr. William S. Keller
Employee
19
Address
180 Grand Avenue
Oakland, 94612

Bay Community Bancorp Executives & BODs

Bay Community Bancorp Executives & BODs
# Name Age
1 Mr. Eugene Jeanne
Vice President & Controller
70
2 Ms. Karry Karavolos Bryan
Senior Vice President, Interim Chief Financial Officer & Controller
70
3 Ms. Margaret Perry
Senior Vice President
70
4 Mr. William S. Keller
Chief Executive Officer & Director
70
5 Mr. Mukhtar Ali
President & Chief Credit Officer
70
6 Ms. Laura Aerni
Senior Vice President & Chief Risk Officer
70
7 Ms. Chaula M. Pandya
Senior Vice President & Chief Technology Officer
70
8 Mr. Mark Roach
Senior Vice President & Chief Banking Officer
70
9 Mr. Tony Sachs
Executive Vice President & Chief Digital Transformation Officer
70

Bay Community Bancorp Competitors