BayCom Corp (BCML)vsU.S. Bancorp (USB)
BCML
BayCom Corp
$31.77
+1.21%
FINANCIAL SERVICES · Cap: $333.93M
USB
U.S. Bancorp
$55.69
-1.95%
FINANCIAL SERVICES · Cap: $84.69B
Smart Verdict
WallStSmart Research — data-driven comparison
U.S. Bancorp generates 26492% more annual revenue ($26.65B vs $100.20M). USB leads profitability with a 29.3% profit margin vs 26.4%. BCML appears more attractively valued with a PEG of 0.99. BCML earns a higher WallStSmart Score of 79/100 (B+).
BCML
Strong Buy79
out of 100
Grade: B+
USB
Strong Buy71
out of 100
Grade: B
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Reasonable price relative to book value
Strong operational efficiency at 39.8%
Conservative balance sheet, low leverage
Keeps 26 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Reasonable price relative to book value
Strong operational efficiency at 37.8%
Large-cap with strong market position
Keeps 29 of every $100 in revenue as profit
Generating 1.3B in free cash flow
Areas to Watch
Smaller company, higher risk/reward
ROE of 7.7% — below average capital efficiency
Distress zone — elevated risk
Expensive relative to growth rate
4.6% revenue growth
Elevated debt levels
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : BCML
The strongest argument for BCML centers on Price/Book, Operating Margin, Debt/Equity. Profitability is solid with margins at 26.4% and operating margin at 39.8%. Revenue growth of 15.8% demonstrates continued momentum.
Bull Case : USB
The strongest argument for USB centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 37.8%.
Bear Case : BCML
The primary concerns for BCML are Market Cap, Return on Equity, Altman Z-Score.
Bear Case : USB
The primary concerns for USB are PEG Ratio, Revenue Growth, Debt/Equity.
Key Dynamics to Monitor
BCML profiles as a growth stock while USB is a value play — different risk/reward profiles.
USB carries more volatility with a beta of 1.02 — expect wider price swings.
BCML is growing revenue faster at 15.8% — sustainability is the question.
USB generates stronger free cash flow (1.3B), providing more financial flexibility.
Bottom Line
BCML scores higher overall (79/100 vs 71/100), backed by strong 26.4% margins and 15.8% revenue growth. Both earn "Strong Buy" and "Strong 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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