BayCom Corp (BCML)vsMizuho Financial Group Inc. (MFG)
BCML
BayCom Corp
$29.28
-1.11%
FINANCIAL SERVICES · Cap: $314.07M
MFG
Mizuho Financial Group Inc.
$7.81
+0.77%
FINANCIAL SERVICES · Cap: $92.84B
Smart Verdict
WallStSmart Research — data-driven comparison
Mizuho Financial Group Inc. generates 4164663% more annual revenue ($4.02T vs $96.47M). MFG leads profitability with a 26.1% profit margin vs 24.8%. BCML trades at a lower P/E of 13.2x. MFG earns a higher WallStSmart Score of 74/100 (B).
BCML
Buy63
out of 100
Grade: C+
MFG
Strong Buy74
out of 100
Grade: B
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+53.4%
Fair Value
$65.05
Current Price
$29.28
$35.77 discount
Margin of Safety
+42.4%
Fair Value
$17.51
Current Price
$7.81
$9.70 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 36.9%
Keeps 25 of every $100 in revenue as profit
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 36.3%
Large-cap with strong market position
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.2% — below average capital efficiency
No major concerns identified
Comparative Analysis Report
WallStSmart ResearchBull Case : BCML
The strongest argument for BCML centers on Price/Book, Operating Margin, Profit Margin. Profitability is solid with margins at 24.8% and operating margin at 36.9%.
Bull Case : MFG
The strongest argument for MFG centers on Price/Book, Operating Margin, Market Cap. Profitability is solid with margins at 26.1% and operating margin at 36.3%. PEG of 0.86 suggests the stock is reasonably priced for its growth.
Bear Case : BCML
The primary concerns for BCML are Market Cap, Return on Equity.
Bear Case : MFG
No major red flags identified for MFG, but monitor valuation.
Key Dynamics to Monitor
BCML carries more volatility with a beta of 0.31 — expect wider price swings.
BCML is growing revenue faster at 6.5% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
MFG scores higher overall (74/100 vs 63/100), backed by strong 26.1% margins. BCML offers better value entry with a 53.4% margin of safety. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
BayCom Corp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
BayCom Corp is the banking holding company for United Business Bank providing various financial services to businesses, business owners and individuals. The company is headquartered in Walnut Creek, California.
Mizuho Financial Group Inc.
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.
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