Banco Bilbao Viscaya Argentaria (NYSE:BBVA) & Bay Commercial Bank (NASDAQ:BCML) Head to Head Contrast

Bay Commercial Bank (NASDAQ:BCML) and Banco Bilbao Viscaya Argentaria (NYSE:BBVA) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their profitability, risk, valuation, dividends, analyst recommendations, earnings and institutional ownership.

Valuation & Earnings

This table compares Bay Commercial Bank and Banco Bilbao Viscaya Argentaria”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay Commercial Bank	$141.48 million	2.38	$23.93 million	$1.20	25.73
Banco Bilbao Viscaya Argentaria	$41.77 billion	3.86	$11.89 billion	$2.20	13.12

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 Recommendations

This is a breakdown of current recommendations and price targets for Bay Commercial Bank and Banco Bilbao Viscaya Argentaria, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay Commercial Bank	1	2	1	1	2.40
Banco Bilbao Viscaya Argentaria	0	7	1	0	2.12

Bay Commercial Bank presently has a consensus price target of $34.00, suggesting a potential upside of 10.14%. Given Bay Commercial Bank’s stronger consensus rating and higher possible upside, equities research analysts plainly believe Bay Commercial Bank is more favorable than Banco Bilbao Viscaya Argentaria.

Dividends

Bay Commercial Bank pays an annual dividend of $1.20 per share and has a dividend yield of 3.9%. Banco Bilbao Viscaya Argentaria pays an annual dividend of $1.14 per share and has a dividend yield of 3.9%. 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. Banco Bilbao Viscaya Argentaria pays out 51.8% of its earnings in the form of a dividend. Bay Commercial Bank has increased 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

Bay Commercial Bank has a beta of 0.28, meaning that its stock price is 72% less volatile than the S&P 500. Comparatively, Banco Bilbao Viscaya Argentaria has a beta of 0.8, meaning that its stock price is 20% less volatile than the S&P 500.

Insider & Institutional Ownership

66.2% of Bay Commercial Bank shares are owned by institutional investors. Comparatively, 3.0% of Banco Bilbao Viscaya Argentaria shares are owned by institutional investors. 2.9% of Bay Commercial Bank shares are owned by company insiders. Comparatively, 0.0% of Banco Bilbao Viscaya Argentaria shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.

Profitability

This table compares Bay Commercial Bank and Banco Bilbao Viscaya Argentaria’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bay Commercial Bank	9.20%	6.98%	0.90%
Banco Bilbao Viscaya Argentaria	27.75%	18.05%	1.27%

Summary

Banco Bilbao Viscaya Argentaria beats Bay Commercial Bank on 10 of the 17 factors compared between the two stocks.

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.

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.