Bay National (OTCMKTS:BAYN) versus California BanCorp (NASDAQ:BCAL) Head-To-Head Survey

Bay National (OTCMKTS:BAYN) and California BanCorp (NASDAQ:BCAL) are both finance companies, but which is the superior stock? We will contrast the two businesses based on the strength of their institutional ownership, valuation, analyst recommendations, earnings, profitability, risk and dividends.

Analyst Recommendations

This is a summary of recent ratings and target prices for Bay National and California BanCorp, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Bay National	0	0	0	0	0.00
California BanCorp	0	0	2	0	3.00

California BanCorp has a consensus price target of $19.50, indicating a potential upside of 37.23%. Given California BanCorp’s stronger consensus rating and higher possible upside, analysts plainly believe California BanCorp is more favorable than Bay National.

Profitability

This table compares Bay National and California BanCorp’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Bay National	N/A	N/A	N/A
California BanCorp	8.21%	9.54%	1.19%

Volatility & Risk

Bay National has a beta of 1.56, meaning that its stock price is 56% more volatile than the S&P 500. Comparatively, California BanCorp has a beta of 1.21, meaning that its stock price is 21% more volatile than the S&P 500.

Insider & Institutional Ownership

55.4% of California BanCorp shares are held by institutional investors. 17.8% of Bay National shares are held by company insiders. Comparatively, 14.8% of California BanCorp shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Earnings and Valuation

This table compares Bay National and California BanCorp”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Bay National	N/A	N/A	N/A	N/A	N/A
California BanCorp	$184.56 million	2.50	$5.43 million	$0.45	31.58

California BanCorp has higher revenue and earnings than Bay National.

Summary

California BanCorp beats Bay National on 8 of the 10 factors compared between the two stocks.

About Bay National

Bay National Corp. operates as a bank holding company. It offers loans, deposits, investments and other banking and financial services through its subsidiary, Bay National Bank. The company was founded in 1999 and is headquartered in Lutherville, MD.

About California BanCorp

Southern California Bancorp operates as the holding company for Bank of Southern California, N.A. that provides various financial products to individuals, professionals, and small-to medium-sized businesses. The company offers checking, personal and business savings, and money market accounts, as well as certificates of deposit. It also provides home equity lines of credit, business loans and lines of credit, commercial real estate and construction loans, small business administration loans, letters of credit, and personal and business credit cards. In addition, the company provides cash vault, sweep accounts, and remote deposit capture services; online and mobile banking services; courier service; lockbox services; and merchant services. It operates branches in San Diego, Orange, Ventura, Los Angeles, and Riverside counties, as well as the Inland Empire. The company was founded in 2001 and is headquartered in San Diego, California.