BayCom (BCML) vs Waterstone Financial (WSBF)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 8, 2026.
Summary
Waterstone Financial (WSBF) has outperformed BayCom (BCML) over the past year, gaining 28.4% versus a gain of 9.4%. Over five years, BCML leads with a +66.0% price change compared with -3.8% for WSBF. Waterstone Financial is the larger company by market cap ($352.9 million vs $336.3 million), about 1.0 times the size.
On valuation, BayCom trades at a lower forward P/E (12.8x vs 19.4x for Waterstone Financial). BayCom offers the higher dividend yield (3.73% vs 3.26%).
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 | WSBF |
|---|---|---|
| Share price | $30.80 | $19.63 |
| Market cap | $336.34M | $352.89M |
| 1-day change | -0.55% | -1.21% |
| YTD return | +4.76% | +18.61% |
| 1-year return | +9.41% | +28.38% |
| 5-year return | +66.04% | -3.82% |
| P/E ratio (TTM) | 25.67 | 11.35 |
| Forward P/E | 12.75 | 19.44 |
| EPS (TTM) | $1.20 | $1.73 |
| Dividend yield | 3.73% | 3.26% |
| Annual dividend | $1.15 | $0.64 |
| 52-week high | $34.98 | $21.66 |
| 52-week low | $26.78 | $14.52 |
| Distance from 52-week high | -11.95% | -9.37% |
| Analyst consensus | buy | — |
| Avg. price target upside | +6.33% | — |
| Average volume | 54.14K | 76.18K |
| Shares outstanding | 10.92M | 17.98M |
| Employees | 329 | 593 |
| Sector | Finance | Financial Services |
| Industry | Major Banks | Banks - Regional |
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
- WSBF has outperformed BCML by 19.0 percentage points over the past year.
- BayCom trades at a higher earnings multiple (25.7x vs 11.3x trailing P/E).
- The two companies sit in different sectors: BayCom in Finance and Waterstone Financial in Financial Services.
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 Waterstone Financial
WSBF stock →Waterstone Financial, Inc. operates as a bank holding company for WaterStone Bank SSB that provides various financial services to customers in southeastern Wisconsin, the United States.
Financial Services · Banks - Regional · 593 employees
BCML vs WSBF FAQ
Which is bigger, BayCom or Waterstone Financial?
Waterstone Financial (WSBF) is larger, with a market capitalization of $352.89M compared with $336.34M for BayCom (BCML).
Which stock has performed better over the past year, BCML or WSBF?
WSBF returned +28.38% 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 WSBF?
WSBF has the lower trailing P/E at 11.3, 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 Waterstone Financial?
BayCom has the higher yield at 3.73%, compared with 3.26% for Waterstone Financial.
Are BayCom and Waterstone Financial in the same industry?
No. BayCom is in the Finance sector, while Waterstone Financial is in Financial Services.