BayCom Corp (BCML)vsICICI Bank Limited (IBN)
BCML
BayCom Corp
$29.28
-1.11%
FINANCIAL SERVICES · Cap: $314.07M
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 1994989% more annual revenue ($1.92T vs $96.47M). IBN leads profitability with a 27.5% profit margin vs 24.8%. BCML trades at a lower P/E of 13.2x. IBN earns a higher WallStSmart Score of 69/100 (B-).
BCML
Buy63
out of 100
Grade: C+
IBN
Strong Buy69
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
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
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
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 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
3.0% revenue growth
Earnings declined 3.7%
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 : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 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 : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BCML profiles as a mature stock while IBN is a value play — different risk/reward profiles.
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
IBN scores higher overall (69/100 vs 63/100), backed by strong 27.5% 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.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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