BayCom (BCML) vs C&F Financial (CFFI)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
C&F Financial (CFFI) has outperformed BayCom (BCML) over the past year, gaining 56.5% versus a gain of 9.4%. Over five years, CFFI leads with a +99.2% price change compared with +66.0% for BCML. BayCom is the larger company by market cap ($336.3 million vs $331.7 million), about 1.0 times the size.
On valuation, C&F Financial trades at a lower forward P/E (10.2x vs 12.8x for BayCom). BayCom offers the higher dividend yield (3.73% vs 1.84%).
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | BCML | CFFI |
|---|---|---|
| Share price | $30.80 | $102.01 |
| Market cap | $336.34M | $331.70M |
| 1-day change | -0.55% | -0.20% |
| YTD return | +4.76% | +40.53% |
| 1-year return | +9.41% | +56.51% |
| 5-year return | +66.04% | +99.24% |
| P/E ratio (TTM) | 25.67 | 11.39 |
| Forward P/E | 12.75 | 10.21 |
| EPS (TTM) | $1.20 | $8.96 |
| Dividend yield | 3.73% | 1.84% |
| Annual dividend | $1.15 | $1.88 |
| 52-week high | $34.98 | $103.04 |
| 52-week low | $26.78 | $65.43 |
| Distance from 52-week high | -11.95% | -1.00% |
| Analyst consensus | buy | strong_buy |
| Avg. price target upside | +6.33% | +12.73% |
| Average volume | 54.14K | 48.46K |
| Shares outstanding | 10.92M | 3.25M |
| Employees | 329 | 575 |
| Sector | Finance | Finance |
| Industry | Major Banks | Major Banks |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- CFFI has outperformed BCML by 47.1 percentage points over the past year.
- BayCom trades at a higher earnings multiple (25.7x vs 11.4x trailing P/E).
- BayCom offers a meaningfully higher dividend yield (3.73% vs 1.84%).
About BayCom
BCML stock →BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts.
Finance · Major Banks · 329 employees
About C&F Financial
CFFI stock →C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance.
Finance · Major Banks · 575 employees
BCML vs CFFI FAQ
Which is bigger, BayCom or C&F Financial?
BayCom (BCML) is larger, with a market capitalization of $336.34M compared with $331.70M for C&F Financial (CFFI).
Which stock has performed better over the past year, BCML or CFFI?
CFFI returned +56.51% over the past 12 months, compared with +9.41% for BCML (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, BCML or CFFI?
CFFI has the lower trailing P/E at 11.4, versus 25.7 for BCML. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, BayCom or C&F Financial?
BayCom has the higher yield at 3.73%, compared with 1.84% for C&F Financial.
Are BayCom and C&F Financial in the same industry?
Yes. Both are classified in the Major Banks industry within the Finance sector.