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BCML vs JPM

BCML
BayCom Corp
NEUTRAL
Price
$29.18
Market Cap
$318.8M
Sector
Financial Services
AI Confidence
68%
JPM
JPMorgan Chase & Co.
NEUTRAL
Price
$294.16
Market Cap
$793.36B
Sector
Financial Services
AI Confidence
65%

Valuation

P/E Ratio
BCML
13.9
JPM
14.69
Forward P/E
BCML
10.3
JPM
12.62
P/B Ratio
BCML
0.95
JPM
2.32
P/S Ratio
BCML
3.36
JPM
4.72
EV/EBITDA
BCML
--
JPM
--

Profitability

Gross Margin
BCML
0.0%
JPM
0.0%
Operating Margin
BCML
29.7%
JPM
41.06%
Profit Margin
BCML
24.44%
JPM
33.91%
ROE
BCML
7.07%
JPM
16.13%
ROA
BCML
0.9%
JPM
1.35%

Growth

Revenue Growth
BCML
-6.9%
JPM
2.5%
Earnings Growth
BCML
-15.1%
JPM
-3.6%

Financial Health

Debt/Equity
BCML
--
JPM
--
Current Ratio
BCML
--
JPM
--
Quick Ratio
BCML
--
JPM
--

Dividends

Dividend Yield
BCML
2.99%
JPM
2.11%
Payout Ratio
BCML
35.71%
JPM
28.97%

AI Verdict

BCML NEUTRAL

BCML exhibits a mixed financial profile with a Piotroski F-Score of 4/9 indicating stable but not strong financial health, and no available Altman Z-Score limits distress risk assessment. The stock trades below the analyst target price of $31.67 and at a discount to the sector average P/E, supported by solid profitability margins and a reasonable dividend yield. However, declining revenue and earnings growth, coupled with weak technical trend and inconsistent earnings surprises, raise concerns about momentum and execution. While valuation appears attractive, lack of balance sheet transparency and deteriorating growth metrics temper bullishness.

Strengths
Profitability margins are strong with 24.44% net margin and 29.70% operating margin, outperforming sector averages.
Attractive valuation relative to peers with a P/E of 13.90 vs sector average of 22.50.
Dividend yield of 2.99% is well-covered by a 35.71% payout ratio, indicating sustainability.
Risks
Piotroski F-Score of 4/9 suggests borderline financial health, limiting confidence in stability.
Revenue and earnings growth are negative YoY (-6.90% and -15.10% respectively), indicating deterioration.
Gross Margin is 0.00%, highly unusual for a bank and suggests potential data anomaly or severe margin compression.
JPM NEUTRAL

JPM shows bullish fundamentals based on deterministic rules. Financial strength is weak (F-Score 2/9). Key strengths include strong valuation and growth metrics. Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Strengths
Attractive valuation with P/E of 14.7
Strong profitability (33.9% margin)
Strong ROE of 16.1%
Risks
Weak financial trend (Piotroski F-Score: 2/9)
Price trades at a 109.8% premium to fair value estimate ($140.21), limiting near-term upside from a valuation perspective.

Compare Another Pair

BCML vs JPM: Head-to-Head Comparison

This page compares BayCom Corp (BCML) and JPMorgan Chase & Co. (JPM) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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