BCML
BayCom Corp
BCML trails on the overall score without a compensating advantage in the available component scores.
HOOD
Robinhood Markets, Inc.
HOOD has the edge over BCML overall, supported by stronger valuation and stronger modeled upside.
BCML Fundamentals
| Metric | Status |
|---|---|
| Under pressure | |
| Stable | |
| N/A | |
| N/A |
BCML's profitability is currently stable, but its revenue is under pressure. Free cash flow and net leverage aren't meaningful measures for financial services companies like BCML.
HOOD Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Healthy | |
| N/A | |
| N/A |
HOOD's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like HOOD.
BCML PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 8.9x | $7.48 | -76% |
| Fair | 11x | $9.65 | -69% |
| Forward | 13x | $31.04 | — |
| Expensive | 14x | $11.58 | -63% |
| Current | 37x | $31.04 | — |
Historical ranges are pointers, not guarantees.
BCML's PE is in its expensive range at 37x. On analysts' estimates for next year's earnings, today's price would be 13x.
HOOD PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 30x | $81.35 | — |
| Cheap | 37x | $78.84 | -3.1% |
| Current | 38x | $81.35 | — |
| Fair | 51x | $110 | +35% |
| Expensive | 74x | $160 | +96% |
Historical ranges are pointers, not guarantees.
HOOD has the edge over BCML in the historical PE scenario, which offers more potential upside but is not a forecast.
BCML Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Stable | |
| Growth | |
| Strongly weakening | |
| Limited | |
| Moderate |
Analysts expect BCML's revenue to grow, but its profitability to weaken.
HOOD Forward outlook
| Metric | Outlook |
|---|---|
| Strongly improving | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Moderate | |
| Low |
HOOD has the edge over BCML on the outlook, with more favorable earnings and profitability expectations.
BCML Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.34 | +178% |
| Q3 2026 | $0.84 | -60% |
| Q2 2026 | $1.20 | -45% |
| Q1 2026 | $2.42 | +15% |
| Q4 2025 | $2.18 | +3.8% |
| Q3 2025 | $2.10 | 0% |
| Q2 2025 | $2.18 | +2.8% |
| Q1 2025 | $2.10 | -5% |
| Q4 2024 | $2.10 | -7.5% |
BCML earned $0.84 per share over the past year, down 60% from the year before.
HOOD Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $2.72 | +26% |
| Q3 2026 | $2.16 | -10% |
| Q2 2026 | $2.26 | +15% |
| Q1 2026 | $2.06 | +18% |
| Q4 2025 | $2.05 | +31% |
| Q3 2025 | $2.40 | +314% |
| Q2 2025 | $1.96 | +513% |
| Q1 2025 | $1.75 | +1150% |
| Q4 2024 | $1.56 | +$2.17 |
HOOD has the edge over BCML on earnings, with more consistent year-over-year improvement.
BCML Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $19.8M | -23% |
| Q2 2026 | $25.2M | +2.2% |
| Q1 2026 | $26.7M | +10% |
| Q4 2025 | $25.9M | +9.4% |
| Q3 2025 | $25.7M | +0.2% |
| Q2 2025 | $24.7M | +3.8% |
| Q1 2025 | $24.3M | -0.6% |
| Q4 2024 | $23.7M | -9.7% |
BCML's revenue fell from its 2022 peak and has held roughly level since: $20M last quarter, down 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 6.3% | -20 points |
| Q2 2026 | -29% | -64 points |
| Q1 2026 | 41% | +9.2 points |
| Q4 2025 | 37% | +2.4 points |
| Q3 2025 | 26% | -6.1 points |
| Q2 2025 | 35% | +3.4 points |
| Q1 2025 | 32% | -1.7 points |
| Q4 2024 | 34% | +0.6 points |
BCML's operating margin was 6.3% last quarter, down 20 points from the same quarter a year ago, near the bottom of its range since 2019.
HOOD Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $1.4B | +12% |
| Q2 2026 | $1.3B | +32% |
| Q1 2026 | $1.1B | +15% |
| Q4 2025 | $1.3B | +27% |
| Q3 2025 | $1.3B | +100% |
| Q2 2025 | $989M | +45% |
| Q1 2025 | $927M | +50% |
| Q4 2024 | $1B | +115% |
HOOD has the edge over BCML on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 44% | -5.9 points |
| Q2 2026 | 54% | +9.5 points |
| Q1 2026 | 39% | -1.5 points |
| Q4 2025 | 52% | -3.5 points |
| Q3 2025 | 50% | +26 points |
| Q2 2025 | 45% | +17 points |
| Q1 2025 | 40% | +14 points |
| Q4 2024 | 55% | +49 points |
HOOD has the edge over BCML on profitability, with a higher operating margin.
BCML Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $12.5M | +101% |
| Q2 2026 | $4.5M | -19% |
| Q1 2026 | $6.7M | -27% |
| Q4 2025 | $9.1M | +15% |
| Q3 2025 | $6.2M | -33% |
| Q2 2025 | $5.6M | -24% |
| Q1 2025 | $9.1M | +132% |
| Q4 2024 | $7.9M | +13% |
BCML's free cash flow was $33M over the past year, up 14% from the year before. Free cash flow isn't a meaningful measure for financial services companies like BCML.
HOOD Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $1.2B | +$2.8B |
| Q2 2026 | $720M | -79% |
| Q1 2026 | $2B | +217% |
| Q4 2025 | -$937M | +$463M |
| Q3 2025 | -$1.6B | -187% |
| Q2 2025 | $3.5B | +6398% |
| Q1 2025 | $642M | +$1.3B |
| Q4 2024 | -$1.4B | -246% |
HOOD has the edge over BCML on cash flow, with more consistent year-over-year improvement.
BCML Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +0.1% | +10.8K shares |
| 1 year | -0.1% | -9.7K shares |
| 3 years | -7.6% | -892K shares |
| 5 years | +0.2% | +26.7K shares |
| Available history | -7.1% | -839K shares |
BCML has 11M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q4 2025 | $813,000 |
| Q3 2025 | $909,000 |
| Q2 2025 | $3.9M |
| Q1 2025 | $1.3M |
| Q4 2024 | $34,000 |
| Q3 2024 | $1.1M |
| Q2 2024 | $4.1M |
| Q1 2024 | $4M |
HOOD Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -1M shares |
| 1 year | -0.8% | -6.9M shares |
| 3 years | +1.8% | +15.9M shares |
| 5 years | +292% | +679M shares |
| Available history | +7.2% | +60.8M shares |
HOOD has the edge over BCML on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $25M |
| Q2 2026 | $414M |
| Q1 2026 | $250M |
| Q4 2025 | $100M |
| Q3 2025 | $107M |
| Q2 2025 | $124M |
| Q1 2025 | $322M |
| Q4 2024 | $160M |
HOOD spent $789M buying back its own shares over the past year, up 11% from the year before.
BCML Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2020 | -0.3x | Net Cash |
| Q2 2020 | -0.2x | Net Cash |
| Q1 2020 | -0.3x | Net Cash |
| Q4 2019 | -11.0x | Net Cash |
BCML has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like BCML.
HOOD Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -1.3x | Net Cash |
| Q2 2026 | -2.1x | Net Cash |
| Q1 2026 | -2.2x | Net Cash |
| Q4 2025 | -1.9x | Net Cash |
| Q3 2025 | -2.1x | Net Cash |
| Q2 2025 | -2.6x | Net Cash |
| Q1 2025 | -3.3x | Net Cash |
| Q4 2024 | -3.8x | Net Cash |
HOOD has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like HOOD.
BCML Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.7 | Neutral |
| Stochastic | 63.9 | Neutral |
BCML's weekly RSI is 52 (neutral) and its Stochastic is 64 (neutral).
HOOD Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 40.8 | Neutral |
| Stochastic | 9.5 | Oversold |
HOOD's weekly RSI is 41 (neutral) and its Stochastic is 10 (oversold).
BCML PE vs Financial Services Sector
| Metric | BCML | Sector median | Relative |
|---|---|---|---|
| PE | 37x | 13x | 184% above |
| PE % | 100 | 63 | 37 pts above |
BCML has the edge over HOOD on valuation relative to its sector.
HOOD PE vs Financial Services Sector
| Metric | HOOD | Sector median | Relative |
|---|---|---|---|
| PE | 38x | 13x | 189% above |
| PE % | 22 | 66 | 44 pts below |
HOOD is trading at 38x earnings, a 189% premium to the Financial Services sector's median of 13x.
BCML Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $30.9 | 0.5% above |
| 20 week MA | $31.1 | 0.3% below |
| 50 week MA | $30.5 | 1.6% above |
| 100 week MA | $28.9 | 7.3% above |
| 200 week MA | $24.8 | 25% above |
BCML has the edge over HOOD on trend strength, trading above more of its moving averages.
HOOD Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $97.8 | 17% below |
| 20 week MA | $102.2 | 20% below |
| 50 week MA | $95.4 | 15% below |
| 100 week MA | $88.5 | 8.1% below |
| 200 week MA | $52.1 | 56% above |
HOOD has fallen below most of its moving averages, though it's still 56% above its 200-week average.
BCML Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $22.9 | $14.9 | -35% |
| 2021 | $14.9 | $18.4 | +23% |
| 2022 | $18.4 | $18.9 | +2.7% |
| 2023 | $18.9 | $23.6 | +25% |
| 2024 | $23.6 | $26.8 | +13% |
| 2025 | $26.8 | $30.4 | +13% |
| 2026 YTD | $30.4 | $31.0 | +2.2% |
BCML has the edge over HOOD on returns for 2026, with the stronger performance.
HOOD Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $35.2 | $18.9 | -46% |
| 2022 | $18.9 | $7.95 | -58% |
| 2023 | $7.95 | $12.7 | +60% |
| 2024 | $12.7 | $39.0 | +206% |
| 2025 | $39.0 | $118.1 | +203% |
| 2026 YTD | $118.1 | $81.4 | -31% |
HOOD's yearly returns have swung widely, from +206% in 2024 to −58% in 2022. It's down 31% so far in 2026.