BCML vs FRAF: stock comparison and AI forecast
Baycom Corp (BCML) and Franklin Financial Services Corp /Pa/ (FRAF) compared on price performance, valuation, profitability and the daily AI forecast. · Alpha · vs market
Share
BCML Baycom Corp
- Price
- $30.77 +2.6% · 6M
- Market Cap
- $336M
- P/E Ratio
- 32.1x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
FRAF Franklin Financial Services Corp /Pa/
- Market Cap
- $316M
- P/E Ratio
- 11.0x
- Size
- small-cap
- AI Forecast
- NO CURRENT FORECAST
Which one does the AI model favor?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
Key facts
- BCML and FRAF have similar market capitalizations ($336M and $316M).
- FRAF trades at 11.0 times trailing earnings, BCML at 32.0 times.
- FRAF turns 27.0% of its revenue into net income, against 13.7% for BCML.
- FRAF carries 11.70 times debt per unit of equity, against 6.69 times for BCML.
- BCML yields 2.91% in dividends and FRAF 1.88%.
- Both companies share the SEC industry classification State Commercial Banks.
Fundamentals side by side
Trailing twelve months.
Valuation & Market
| Metric | BCML | FRAF |
|---|---|---|
| Market Cap | $336M | $316M |
| P/E Ratio | 32.05x | 11.04x |
| P/B Ratio | 1.00x | 1.72x |
| Dividend Yield | 2.91% | 1.88% |
| EPS | $0.96 | $6.37 |
| Book Value/Share | $30.71 | $40.86 |
| Revenue/Share | $8.76 | $20.30 |
| FCF/Share | $2.43 | – |
Profitability & Margins
| Metric | BCML | FRAF |
|---|---|---|
| ROE | 3.9% | 13.4% |
| ROA | 0.5% | 1.1% |
| Net Margin | 13.7% | 27.0% |
| EBT Margin | 20.8% | 33.6% |
| Tax Rate | 34.4% | 19.7% |
Financial Health
| Metric | BCML | FRAF |
|---|---|---|
| D/E Ratio | 6.69x | 11.70x |
| Financial Leverage | 7.69x | 12.70x |
Cash Flow
| Metric | BCML | FRAF |
|---|---|---|
| Operating Cash Flow | $28M | $42M |
| Free Cash Flow | $27M | – |
| Capital Spending | -$2M | – |
| OCF Growth YoY | -14.9% | 62.7% |
| FCF Growth YoY | -17.2% | – |
| FCF/Sales | 27.7% | – |
| CapEx/Sales | 1.8% | – |
Operational Efficiency
| Metric | BCML | FRAF |
|---|---|---|
| Asset Turnover | 0.04x | 0.04x |
| Fixed Assets Turnover | 7.3x | 3.5x |
Income Statement
| Metric | BCML | FRAF |
|---|---|---|
| Total Revenue | $96M | $91M |
| Net Income | $13M | $25M |
Dividend & Shareholder Information
| Metric | BCML | FRAF |
|---|---|---|
| Dividends Per Share | $0.90 | $1.33 |
| Payout Ratio | 93.8% | 20.9% |
| Shares Outstanding | 11M | 4M |
| Net Income Growth | -45.9% | 69.5% |
| EPS Growth | -56.0% | 101.0% |
BCML vs FRAF: stock comparison and AI forecast
Which is bigger, BCML or FRAF?
BCML and FRAF have similar market capitalizations ($336M and $316M).
Which is cheaper on earnings, BCML or FRAF?
FRAF trades at 11.0 times trailing earnings, BCML at 32.0 times.
Which one does Intratio's AI model rank higher, BCML or FRAF?
Intratio's model scores both stocks every trading day. Sign in to see their current direction; the exact ratings and forecasts come with a plan or a free follow slot.
More comparisons
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.