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 sits in a strong multi-month uptrend, trading above both the 50-day and 200-day moving averages. It is pressing against its 52-week high area, which signals momentum is intact but also leaves less room for error after a sharp run from the low-$6s.
No analyst consensus or target is available, and there have been no recent rating changes. The setup is therefore driven by price action and fundamentals rather than Wall Street coverage, with the stock already reflecting a meaningful rerating from its long-term base.
The earnings record is clean, with 8 straight beats in the last reported sequence. Revenue growth ran 22.4% year over year and earnings growth 11.2%, so shareholders should watch whether that pace can hold without margin pressure or balance-sheet strain.
No notable insider activity. The recent transaction list is empty, so there is no discretionary buying or selling signal to weigh against the operating trend.
Profitability is solid for a regional bank, with a 21.4% net margin and 4.25% ROE. Growth is also healthy, with revenue up 22.4% year over year, while free cash flow of $9.4 million and $49.8 million of cash help offset $130.0 million of debt.
The valuation sits at 15.7x earnings, which is not cheap for a regional bank but still reasonable if growth and credit quality stay steady. The low beta of 0.674 suggests less volatility than many small-cap financial peers.
Our CBOBA coverage
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AI analysis · Last refreshed June 29, 2026 · Live quote · Not investment advice