BCML
BayCom Corp
BCML trails on the overall score without a compensating advantage in the available component scores.
JPM
JPMorgan Chase & Co.
JPM has the edge over BCML overall, supported by stronger modeled upside and stronger fundamentals.
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.
JPM Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| N/A | |
| N/A |
JPM's revenue and profitability are currently healthy. Free cash flow and net leverage aren't meaningful measures for financial services companies like JPM.
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.
JPM PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 9.7x | $231 | -33% |
| Fair | 12x | $287 | -16% |
| Current | 14x | $343 | — |
| Forward | 14x | $343 | — |
| Expensive | 15x | $361 | +5.2% |
Historical ranges are pointers, not guarantees.
JPM 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.
JPM Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Growth | |
| Improving | |
| Limited | |
| Moderate |
Analysts expect earnings and revenue growth for JPM, with profitability improving.
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.
JPM Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $24.99 | +4.8% |
| Q3 2026 | $23.85 | +18% |
| Q2 2026 | $23.35 | +20% |
| Q1 2026 | $20.89 | +2.5% |
| Q4 2025 | $20.02 | +1.4% |
| Q3 2025 | $20.20 | +12% |
| Q2 2025 | $19.50 | +8.7% |
| Q1 2025 | $20.38 | +23% |
| Q4 2024 | $19.75 | +22% |
JPM 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.
JPM Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $50.2B | +8.1% |
| Q2 2026 | $57.3B | +28% |
| Q1 2026 | $49.8B | +10% |
| Q4 2025 | $45.8B | +7.1% |
| Q3 2025 | $46.4B | +8.8% |
| Q2 2025 | $44.9B | -11% |
| Q1 2025 | $45.3B | +8.1% |
| Q4 2024 | $42.8B | +11% |
JPM has the edge over BCML on sales, with more consistent year-over-year improvement.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 40% | -0.2 points |
| Q2 2026 | 48% | +7.3 points |
| Q1 2026 | 41% | +0.5 points |
| Q4 2025 | 37% | -3.2 points |
| Q3 2025 | 40% | +0.6 points |
| Q2 2025 | 41% | -6 points |
| Q1 2025 | 41% | -0.6 points |
| Q4 2024 | 41% | +11 points |
JPM 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 has the edge over JPM on cash generation, producing positive trailing cash flow while its opponent burns cash.
JPM Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $33.2B | +$78.4B |
| Q2 2026 | -$25.3B | -186% |
| Q1 2026 | -$211.8B | +$40.1B |
| Q4 2025 | $119.7B | -19% |
| Q3 2025 | -$45.2B | +$28.9B |
| Q2 2025 | $29.5B | -23% |
| Q1 2025 | -$251.8B | -$97.7B |
| Q4 2024 | $147.8B | +145% |
JPM's free cash flow was −$84.2B over the past year, against −$120B the year before. Free cash flow isn't a meaningful measure for financial services companies like JPM.
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 |
JPM Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.4% | -11.2M shares |
| 1 year | -3.1% | -84.6M shares |
| 3 years | -8.5% | -249M shares |
| 5 years | -11% | -322M shares |
| Available history | -17% | -547M shares |
JPM has the edge over BCML on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $1.1B |
| Q2 2026 | $6.8B |
| Q1 2026 | $8.3B |
| Q4 2025 | $8.3B |
| Q3 2025 | $8.3B |
| Q2 2025 | $7.5B |
| Q1 2025 | $7.5B |
| Q4 2024 | $4.3B |
JPM spent $24.5B buying back its own shares over the past year, down 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.
JPM Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.5x | Very low |
| Q2 2026 | 0.5x | Very low |
| Q1 2026 | 0.6x | Very low |
| Q4 2025 | 0.5x | Very low |
| Q3 2025 | 0.6x | Very low |
| Q2 2025 | 0.5x | Very low |
| Q1 2025 | 0.5x | Very low |
| Q4 2024 | 0.4x | Very low |
JPM's net debt is less than a year of its operating earnings (EBITDA). Net leverage isn't a meaningful measure for financial services companies like JPM.
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).
JPM Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 54.8 | Neutral |
| Stochastic | 31.5 | Neutral |
JPM's weekly RSI is 55 (neutral) and its Stochastic is 31 (neutral).
BCML PE vs Financial Services Sector
| Metric | BCML | Sector median | Relative |
|---|---|---|---|
| PE | 37x | 13x | 184% above |
| PE % | 100 | 63 | 37 pts above |
BCML is trading at 37x earnings, a 184% premium to the Financial Services sector's median of 13x.
JPM PE vs Financial Services Sector
| Metric | JPM | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 13x | 10% above |
| PE % | 76 | 63 | 13 pts above |
JPM has the edge over BCML on valuation relative to its sector.
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's trend is mixed: it's above four of its five weekly moving averages, and 25% above its 200-week average.
JPM Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $336.8 | 1.8% above |
| 20 week MA | $345.3 | 0.7% below |
| 50 week MA | $323.2 | 6.1% above |
| 100 week MA | $298.9 | 15% above |
| 200 week MA | $236.6 | 45% above |
JPM's trend is mixed: it's above four of its five weekly moving averages, and 45% 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 finished higher in five of the last six years. It's up 2.2% so far in 2026.
JPM Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $139.1 | $124.5 | -11% |
| 2021 | $124.5 | $157.3 | +26% |
| 2022 | $157.3 | $131.3 | -17% |
| 2023 | $131.3 | $170.1 | +30% |
| 2024 | $170.1 | $241.2 | +42% |
| 2025 | $241.2 | $327.9 | +36% |
| 2026 YTD | $327.9 | $342.8 | +4.5% |
JPM has the edge over BCML on returns for 2026, with the stronger performance.