Bay Community Bancorp (CBOBA)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Bay Community Bancorp (CBOBA) trades at $13.95 with AI Score 45/100 (Grade C). Bay Community Bancorp, operating as Community Bank of the Bay, provides banking services in the San Francisco Bay Area. Market cap: $118.91M, Sector: Financial services.
Price live · AI analysis from Mar 16, 2026Analyst Coverage for CBOBA: CBOBA does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CBOBA against Financial Services peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
CBOBA: the 1 perspectives are evenly split.
How is this calculated? →Bay Community Bancorp (CBOBA) Financial Services Profile
Bay Community Bancorp (CBOBA) is a regional bank holding company operating in the San Francisco Bay Area, offering traditional banking services such as checking, savings, and loan products to individuals and businesses. With a focus on community banking, CBOBA competes with larger regional and national banks while maintaining a local presence.
What Is the Investment Thesis for CBOBA?
Bay Community Bancorp presents a focused investment opportunity within the regional banking sector. With a P/E ratio of 14.8 and a profit margin of 23.2%, the company demonstrates reasonable profitability. Growth catalysts include expansion of its digital banking services and strategic lending initiatives within the Bay Area. Key value drivers include maintaining a strong net interest margin and effectively managing credit risk. Potential risks include increased competition from larger banks and fintech companies, as well as sensitivity to changes in interest rates. Monitoring the company's loan growth and asset quality will be crucial for assessing its long-term performance.
Based on FMP financials and quantitative analysis
CBOBA Key Highlights
- Market capitalization of $118.91M, reflecting its position as a smaller regional bank.
- P/E ratio of 14.8, indicating its valuation relative to earnings.
- Profit margin of 23.2%, showcasing its efficiency in generating profits.
- Gross margin of 100.0%, reflecting the nature of its banking operations.
- Beta of 0.67, suggesting lower volatility compared to the overall market.
Who Are CBOBA's Competitors?
CBOBA is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BHWB Blackhawk Bancorp, Inc. | $33.35 | -0.45% | $96.57M | 49 |
| CFGW Community Financial Group, Inc. | $44.00 | +8.51% | $67.99M | 59 |
| CNUN Community Bancshares, Inc. | $75.00 | +0.00% | $98.09M | 46 |
| FDLB Fidelity Federal Bancorp | $95.00 | +0.00% | $92.53M | 46 |
| FISB 1st Capital Bancorp | $14.00 | +0.72% | $78.48M | 55 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CBOBA's Key Strengths?
- Strong local presence in the San Francisco Bay Area.
- Personalized customer service.
- Focus on small business lending.
- Experienced management team.
What Are CBOBA's Weaknesses?
- Limited geographic reach compared to larger banks.
- Smaller asset base.
- Dependence on the San Francisco Bay Area economy.
- Limited brand recognition outside the Bay Area.
What Could Drive CBOBA Stock Higher?
- Expansion of digital banking services to attract and retain customers.
- Strategic lending initiatives focused on specific niches within the Bay Area.
- Potential partnerships with fintech companies to enhance service offerings.
- Branch optimization and expansion to increase market presence.
- Focus on customer relationship management to improve customer loyalty.
What Are the Key Risks for CBOBA?
- Financial-distress signal — its Altman Z-Score of 0.08 sits in the distress zone (elevated bankruptcy risk).
- Increased competition from larger regional and national banks.
- Economic downturn in the San Francisco Bay Area affecting loan performance.
- Changes in banking regulations increasing compliance costs.
- Rising interest rates impacting net interest margin.
- Limited liquidity due to OTC market trading.
What Are the Growth Opportunities for CBOBA?
- Expansion of Digital Banking Services: Bay Community Bancorp can capitalize on the growing demand for digital banking solutions by enhancing its online and mobile platforms. This includes offering a wider range of digital services, such as mobile check deposit, online account opening, and personalized financial management tools. The market for digital banking is expected to grow significantly, driven by increasing adoption of smartphones and the convenience of online banking. Success in this area would allow CBOBA to attract and retain customers while reducing operational costs.
- Strategic Lending Initiatives: Bay Community Bancorp can focus on specific lending niches within the San Francisco Bay Area, such as small business loans, commercial real estate financing, and specialized loans for non-profit organizations. By developing expertise in these areas, the bank can differentiate itself from larger competitors and build strong relationships with local businesses and community organizations. The market for small business loans is particularly attractive, as many small businesses struggle to access financing from larger banks. Targeted lending initiatives can drive loan growth and increase profitability.
- Branch Optimization and Expansion: While digital banking is growing, physical branches remain important for certain customer segments, particularly small businesses and older individuals. Bay Community Bancorp can optimize its existing branch network by consolidating underperforming branches and opening new branches in strategic locations. The bank should focus on creating modern, customer-friendly branch environments that offer a range of services, including personal banking, business banking, and wealth management. Strategic branch expansion can increase the bank's visibility and market share.
- Partnerships with Fintech Companies: Bay Community Bancorp can partner with fintech companies to offer innovative financial products and services to its customers. This includes partnering with companies that specialize in online lending, payment processing, and financial planning. By leveraging the technology and expertise of fintech companies, the bank can enhance its offerings and attract new customers. Partnerships can also help the bank to reduce costs and improve efficiency.
- Focus on Customer Relationship Management: In the competitive banking industry, customer relationships are crucial. Bay Community Bancorp can invest in customer relationship management (CRM) systems and training to improve its customer service and build stronger relationships with its customers. This includes providing personalized financial advice, offering tailored products and services, and responding quickly to customer inquiries. Strong customer relationships can lead to increased customer loyalty and referrals, driving long-term growth.
What Opportunities Does CBOBA Have?
- Expansion of digital banking services.
- Strategic partnerships with fintech companies.
- Growth in the San Francisco Bay Area economy.
- Increased demand for small business loans.
What Threats Does CBOBA Face?
- Competition from larger regional and national banks.
- Economic downturn in the San Francisco Bay Area.
- Changes in banking regulations.
- Increased interest rates.
What Are CBOBA's Competitive Advantages?
- Local Market Knowledge: Deep understanding of the San Francisco Bay Area market.
- Customer Relationships: Strong relationships with local businesses and individuals.
- Community Focus: Commitment to serving the needs of the local community.
- Personalized Service: Providing personalized banking services tailored to customer needs.
What Does CBOBA Do?
Bay Community Bancorp, established in 1996, functions as the holding company for Community Bank of the Bay. The bank was founded with the goal of providing personalized banking services to individuals and businesses within the greater San Francisco Bay Area. Over the years, it has evolved to offer a comprehensive suite of financial products, including checking, savings, and money market accounts, as well as certificates of deposit. Its loan portfolio encompasses business and term loans, lines of credit, letters of credit, and various commercial and real estate financing options, including construction and land loans. The bank also participated in the Paycheck Protection Program (PPP). In addition to traditional banking services, Bay Community Bancorp provides cash management solutions such as remote deposit capture, cash vault services, domestic and international wire transfers, and positive pay services. The bank also offers online and mobile banking platforms, along with credit and debit card services, to enhance customer convenience. Bay Community Bancorp operates branches in Danville, Oakland, and San Mateo, serving a diverse clientele across the Bay Area.
What Products and Services Does CBOBA Offer?
- Provides checking accounts for individuals and businesses.
- Offers savings and money market accounts.
- Provides certificates of deposit (CDs).
- Offers business and term loans.
- Provides commercial and industrial loans.
- Provides real estate loans.
- Provides online and mobile banking services.
How Does CBOBA Make Money?
- Generates revenue through interest income from loans.
- Earns fees from services like cash management and wire transfers.
- Attracts deposits from individuals and businesses.
- Manages credit risk and maintains regulatory compliance.
What Industry Does CBOBA Operate In?
Bay Community Bancorp operates within the competitive regional banking sector, characterized by both established players and emerging fintech companies. The industry is influenced by factors such as interest rate fluctuations, regulatory changes, and technological advancements. Bay Community Bancorp's focus on the San Francisco Bay Area allows it to cater to the specific needs of local businesses and individuals. Competitors include larger regional banks and credit unions, as well as online-only banking platforms. The regional banking sector is expected to see moderate growth, driven by increasing demand for loans and financial services.
Who Are CBOBA's Key Customers?
- Individuals in the San Francisco Bay Area.
- Small businesses in the San Francisco Bay Area.
- Commercial clients in the San Francisco Bay Area.
- Non-profit organizations in the San Francisco Bay Area.
Bay Community Bancorp (CBOBA) Valuation Context
Valued at $118.91M, CBOBA is classified as a micro-cap stock. Relative to its peer group, CBOBA's quantitative score of 45/100 is roughly in line with the peer average of 51/100.
CBOBA Revenue & Earnings Trend
In Q2 2024, CBOBA generated $10.0M in top-line revenue, marking a sequential decrease of 26.6%. The company recorded net income of $2.1M, with diluted EPS of $0.24.
Company Profile
Bay Community Bancorp operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Oakland, US. The company is led by CEO William S. Keller. CBOBA has traded publicly since 2005.
ROE 4%Key Financial Metrics
Return on equity for Bay Community Bancorp stands at 4.4%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 0.8%, showing how much profit it generates from its asset base. CBOBA trades at a trailing price-to-earnings ratio of 14.78, below the Financial Services sector average of ~18x. Its free cash flow yield is 7.1%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.09 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 6.8%, the inverse of the P/E and a quick read on earnings relative to price.
F-Score 6/9Financial Health
Bay Community Bancorp's Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.08 places it in the distress zone, a signal of elevated financial risk.
CBOBA Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis
Bull Case vs Bear Case
Bull Case
- Strong local presence in the San Francisco Bay Area.
- Personalized customer service.
- Focus on small business lending.
- Experienced management team.
Bear Case
- Limited geographic reach compared to larger banks.
- Smaller asset base.
- Dependence on the San Francisco Bay Area economy.
- Limited brand recognition outside the Bay Area.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2024 | $10M | $2M | $0.24 |
| Q1 2024 | $14M | $2M | $0.19 |
Based on FMP financials and quantitative analysis
CBOBA Latest News
No recent news available for CBOBA.
CBOBA Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CBOBA.
Price Targets
Wall Street price target analysis for CBOBA.
CBOBA MoonshotScore
What does this score mean?
The MoonshotScore rates CBOBA's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Leadership: William S. Keller
CEO
William S. Keller serves as the CEO of Bay Community Bancorp, leading a team of 19 employees. His background includes extensive experience in the banking industry, with a focus on community banking and financial management. He has held various leadership positions in regional banks, demonstrating expertise in strategic planning, risk management, and customer relationship management. Keller's educational background includes a degree in finance and certifications in banking and financial analysis.
Track Record: Under William S. Keller's leadership, Bay Community Bancorp has focused on expanding its presence in the San Francisco Bay Area and enhancing its digital banking capabilities. He has overseen the implementation of new technologies to improve customer service and streamline operations. Keller has also emphasized the importance of community involvement and has fostered strong relationships with local businesses and organizations. He has successfully navigated the bank through challenging economic conditions, maintaining profitability and asset quality.
CBOBA OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Bay Community Bancorp may not meet the minimum financial standards or disclosure requirements of the higher tiers (OTCQX and OTCQB) or major exchanges like NYSE or NASDAQ. Companies in this tier may have limited financial reporting, and information availability can be sparse. Investing in OTC Other stocks carries higher risks due to the potential for less transparency and regulatory oversight compared to listed companies.
- OTC Tier: OTC Other
- Disclosure Status: Unknown
- Limited Liquidity: Low trading volume can make it difficult to buy or sell shares without significantly impacting the price.
- Information Scarcity: The lack of readily available financial information increases the risk of making uninformed investment decisions.
- Regulatory Oversight: Reduced regulatory oversight compared to listed exchanges increases the potential for fraud or mismanagement.
- Price Volatility: OTC stocks can be more susceptible to price manipulation and volatility due to lower trading volumes.
- Going Concern Risk: Companies on the OTC Other tier may face a higher risk of financial distress or bankruptcy.
- Verify the company's financial statements and SEC filings (if any).
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's capital structure and debt levels.
- Determine the company's revenue sources and growth potential.
- Understand the risks associated with the company's industry and operations.
- Consult with a financial advisor before investing.
- Established Business Operations: Bay Community Bancorp has been operating since 1996.
- Regulatory Compliance: As a bank holding company, it is subject to some regulatory oversight.
- Physical Presence: The company has physical branches in multiple locations.
- Positive Profit Margin: The company reports a positive profit margin of 23.2%.
- Audited Financials: Verify if the company's financials are audited by a reputable firm.
What Investors Ask About Bay Community Bancorp (CBOBA) — Financial Services
What does Bay Community Bancorp do?
Bay Community Bancorp, through its subsidiary Community Bank of the Bay, provides a range of banking services to individuals and businesses in the San Francisco Bay Area. These services include checking and savings accounts, loans (business, commercial, real estate), and cash management solutions. The bank focuses on building relationships with local customers and providing personalized service, differentiating itself from larger national banks. It operates branches in Danville, Oakland, and San Mateo, and also offers online and mobile banking options.
What do analysts say about CBOBA stock?
Currently, there is no available analyst coverage for CBOBA stock. Given its OTC listing and smaller market capitalization, the company may not be widely followed by analysts. Investors should conduct their own thorough research and due diligence before investing. Key valuation metrics include the P/E ratio of 14.8 and the profit margin of 23.2%. Growth considerations include the company's ability to expand its digital banking services and increase its loan portfolio.
What are the main risks for CBOBA?
Bay Community Bancorp faces several risks, including competition from larger banks with greater resources, potential economic downturns in the San Francisco Bay Area that could impact loan performance, and changes in banking regulations that could increase compliance costs. As an OTC-listed company, CBOBA also faces risks related to limited liquidity and information availability. Interest rate fluctuations could also impact the bank's net interest margin and profitability. Effective risk management and strategic planning are crucial for mitigating these risks.
What are the key factors to evaluate for CBOBA?
Bay Community Bancorp (CBOBA) holds an AI score of 45/100 (low). P/E: 14.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CBOBA data refresh on this page?
CBOBA prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CBOBA's recent stock price performance?
Bay Community Bancorp (CBOBA) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Strong local presence in the San Francisco Bay Area. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CBOBA overvalued or undervalued right now?
Bay Community Bancorp (CBOBA) trades at 14.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CBOBA?
Before investing in Bay Community Bancorp (CBOBA), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market data may be less reliable than exchange-listed data.
- AI analysis pending for CBOBA, which may provide further insights.