Avidbank Holdings Inc. (AVBH) vs Bay Commercial Bank (BCML)
Avidbank Holdings Inc. and Bay Commercial Bank are both Banks Regional companies. Avidbank Holdings Inc. and Bay Commercial Bank are of similar size ($342.4M and $341.8M). Avidbank Holdings Inc. has negative trailing earnings, so its P/E is not meaningful; Bay Commercial Bank trades at 25.7×. Bay Commercial Bank grew revenue faster over the last twelve months: 2.01% against −32.7%. Bay Commercial Bank has the higher net margin (9.20% vs −14.1%) and the higher return on invested capital (6.59% vs −7.91%). Across the 18 metrics below, Bay Commercial Bank leads on 13 and Avidbank Holdings Inc. on 5.
Valuation
Profitability
| Metric | AVBH | BCML | Banks Regional median |
|---|---|---|---|
| Gross margin | 46.29% | 72.76% | 69.57% |
| Operating margin | 0.00% | 0.00% | 0.00% |
| Net margin | (14.12%) | 9.20% | 18.66% |
| Free cash flow margin | 52.44% | 18.66% | 21.18% |
| Return on equity | (5.64%) | 3.93% | 10.64% |
| Return on assets | (0.56%) | 0.50% | 1.13% |
| Return on invested capital | (7.91%) | 6.59% | 8.33% |
Growth
Health
Dividend
Size
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