BayCom Corp (BCML)vsU.S. Bancorp (USB)
BCML
BayCom Corp
$30.45
-0.62%
FINANCIAL SERVICES · Cap: $338.74M
USB
U.S. Bancorp
$59.74
-0.23%
FINANCIAL SERVICES · Cap: $91.50B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 29037% more annual revenue ($27.89B vs $95.71M). USB leads profitability with a 30.0% profit margin vs 13.7%. BCML appears more attractively valued with a PEG of 0.99. USB earns a higher WallStSmart Score of 73/100 (B).
BCML
Buy63
out of 100
Grade: C+
USB
Strong Buy73
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Conservative balance sheet, low leverage
Growing faster than its price suggests
Earnings expanding 47.0% YoY
Attractively priced relative to earnings
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 40.1%
Large-cap with strong market position
Reasonable price relative to book value
Generating 4.8B in free cash flow
Areas to Watch
Moderate valuation
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Revenue declined 18.4%
Expensive relative to growth rate
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BCML
The strongest argument for BCML centers on Price/Book, Debt/Equity, PEG Ratio. PEG of 0.99 suggests the stock is reasonably priced for its growth.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Profit Margin, Operating Margin. Profitability is solid with margins at 30.0% and operating margin at 40.1%.
Bear Case : BCML
The primary concerns for BCML are P/E Ratio, Market Cap, Return on Equity.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Debt/Equity, Altman Z-Score.
Key Dynamics to Monitor
BCML profiles as a declining stock while USB is a mature play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
USB is growing revenue faster at 8.4% — sustainability is the question.
USB generates stronger free cash flow (4.8B), providing more financial flexibility.
Bottom Line
USB scores higher overall (73/100 vs 63/100), backed by strong 30.0% margins. 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.
U.S. Bancorp
FINANCIAL SERVICES · BANKS - REGIONAL · USA
U.S. Bancorp is an American bank holding company based in Minneapolis, Minnesota, and incorporated in Delaware. The company provides banking, investment, mortgage, trust, and payment services products to individuals, businesses, governmental entities, and other financial institutions.
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