Bay Community Bancorp
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About the company
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.
- CEO
- William S. Keller
- IPO
- 2005
- Employees
- 19
- HQ
- Oakland, CA, US
Price Chart
- Market Cap
- $118.91M
- P/E
- 14.84
- P/S
- 3.35
- P/B
- 0.63
- EV/EBITDA
- 5.29
- Div Yield
- 0.00%
- Gross Margin
- 100.00%
- Op Margin
- 52.47%
- Net Margin
- 23.17%
- ROE
- 4.36%
- ROIC
- 3.44%
- Revenue
- $35.54M · -0.59%
- Net Income
- $8.23M · 2.14%
- EPS
- $0.94 · 2.17%
- Op Income
- $18.65M
- FCF YoY
- 14.89%
- 52W High
- $13.97
- 52W Low
- $6.32
- 50D MA
- $13.44
- 200D MA
- $10.85
- Beta
- 0.67
- Avg Volume
- 4.69K
AI snapshot
Six angles, distilled from the data.
The stock is in a constructive multi-month uptrend and sits well above its 200-day average, with the 50-day also trending higher. Price is pressing near the yearly high after a strong recovery from the low-$6 area, which keeps the regime bullish but extended.
There is no published consensus target or rating mix to anchor a Street view. With no recent rating changes or price-target updates, the setup is being driven by the company’s own operating trend rather than shifting analyst sentiment.
The earnings profile has been consistently positive, with an 8-for-8 beat streak in the recent history shown. No next-year estimate is available, so shareholders should watch whether revenue growth and margin stability continue to support another clean print.
No notable insider activity. There were no recent transactions, so there is no discretionary buying or selling signal to interpret and no automatic award or withholding flow to separate from real conviction.
Profitability is modest but improving, with 21.36% net margin, 31.02% operating margin, and 4.25% ROE. Growth is solid too, with revenue up 22.4% year over year and earnings up 11.2%, while free cash flow of $9.37 million and $49.8 million of cash help offset $130.0 million of debt.
As a regional bank, it looks more like a niche Bay Area lender than a scale franchise, so the edge comes from local lending and fee services rather than size. At 15.7x earnings, the valuation sits at a noticeable premium to a typical small-bank profile.
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AI analysis · Last refreshed July 7, 2026 · Live quote · Not investment advice