OTC · Banks - Regional

Bay Community Bancorp (CBOBA) Stock

$13.95 +1.45% OTC: CBOBA Financial Services

Bay Community Bancorp serves as the parent organization for Community Bank of the Bay, offering a diverse range of financial services to both individual consumers and commercial enterprises throughout the broader San Francisco Bay area. The company provides a comprehensive suite of deposit accounts, including checking, savings, and money market products, in addition to certificates of deposit.

Valuation

MetricValue
Price$13.95
Market Cap$118.91M
P/E Ratio14.84
P/B Ratio0.63
P/S Ratio3.35
EPS (TTM)$0.94
52-Week High$13.97
52-Week Low$6.32
Dividend Yield0.00%

Financials & Margins

MetricValue
ROE4.36%
ROA0.84%
ROCE4.61%
Gross Margin100.00%
Operating Margin52.47%
Net Margin23.17%
Debt/Equity0.67
Current Ratio0.09

Annual Financials (USD)

Metric20192020202120222023
Revenue$23.0M$24.0M$27.0M$36.0M$36.0M
Operating Profit$6.0M$7.0M$11.0M$11.0M$19.0M
Net Profit$4.0M$5.0M$7.0M$8.0M$8.0M
EPS$0.46$0.55$0.82$0.89$0.93
Op Margin26.3%29.0%38.9%32.0%52.5%

Balance Sheet (USD)

Metric20192020202120222023
Total Assets$494.0M$636.0M$717.0M$971.0M$976.0M
Total Liabilities$438.0M$574.0M$649.0M$786.0M$783.0M
Cash$66.0M$96.0M$90.0M$51.0M$50.0M
Borrowings$37.0M$40.0M$35.0M$75.0M$130.0M

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Cash Flow (USD)

Metric20192020202120222023
Operating Cash Flow$5.0M$6.0M$10.0M$7.0M$9.0M
Investing Cash Flow$13.0M$-3.0M$-88.0M$-2.0M$10.0M
Financing Cash Flow$73.0M$132.0M$79.0M$93.0M$-73.0M
Net Cash Flow$34.0M$33.0M$-5.0M$-42.0M$10.0M
Free Cash Flow$4.0M$3.0M$9.0M$7.0M$8.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-7.12
EV / EBITDA
FCF Yield
Quick Ratio
Interest Coverage
Return 1Y
Return 3Y
Return 5Y

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BHWBBlackhawk Bancorp, Inc. $33.35 -0.45% 7.02 $96.57M 0.00%
CFGWCommunity Financial Group, Inc. $44.00 +8.51% 78.57 $67.99M 0.00%
CNUNCommunity Bancshares, Inc. $75.00 +0.00% 10.20 $98.09M 0.00%
FDLBFidelity Federal Bancorp $95.00 +0.00% $92.53M 0.00%
FISB1st Capital Bancorp $14.00 +0.72% 21.88 $78.48M 0.00%

About Bay Community Bancorp

Bay Community Bancorp serves as the parent organization for Community Bank of the Bay, offering a diverse range of financial services to both individual consumers and commercial enterprises throughout the broader San Francisco Bay area. The company provides a comprehensive suite of deposit accounts, including checking, savings, and money market products, in addition to certificates of deposit. Its lending solutions are equally varied, encompassing business, term, and commercial & industrial loans, lines of credit, letters of credit, real estate financing, non-profit funding, construction and land development loans, and Paycheck Protection Program (PPP) loans. Beyond traditional banking, Bay Community Bancorp delivers essential cash management services such as remote deposit capture, secure cash vault solutions, domestic and international wire transfers, and positive pay for fraud prevention. Customers also benefit from convenient online and mobile banking platforms, as well as credit and debit card options. Established in 1996, the company operates physical branches in Danville, Oakland, and San Mateo, and maintains its headquarters in Oakland, California.

Bay Community Bancorp is headquartered in US.

Bay Community Bancorp (CBOBA) stock trades at $13.95 with a market capitalization of $118.91M. The stock is valued at a price-to-earnings (P/E) ratio of 14.84, price-to-book of 0.63, price-to-sales of 3.35. Over the past 52 weeks the stock has ranged between $6.32 and $13.97, and currently trades at its 52-week high.

On profitability, Bay Community Bancorp generates a return on equity (ROE) of 4.36%, return on capital employed of 4.61%, an operating margin of 52.47%, a net profit margin of 23.17%.

Official website: www.bankcbb.com

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