` BCML (BayCom Corp) vs TFC (Truist Financial Corp) Comparison - Alpha Spread

B
BCML
vs
TFC

Over the past 12 months, BCML has outperformed TFC, delivering a return of +30% compared to the TFC's +12% growth.

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BCML
TFC
One-click summary across all key metrics.
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One-click summary across all key metrics.
Ranked results with clear takeaways.
No spreadsheets, no guesswork.
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Valuation
Growth
Profitability
Solvency
Comparing Valuation
Running a multi-layered valuation analysis to compare how attractive each stock is.
Comparing Growth
Financial growth, forecasts, volatility, and historical drawdowns.
Comparing Profitability
Margins, returns on capital, and the consistency of profitability.
Comparing Solvency
Debt levels, liquidity, interest coverage, and bankruptcy risk.
Summarizing...
We need a little more time to summarize the results

Valuation Comparison

B
BCML Intrinsic Value
31.05 USD
Undervaluation 9%
Intrinsic Value
Price
TFC Intrinsic Value
57.58 USD
Undervaluation 21%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
BayCom Corp
NASDAQ:BCML
28.14 USD
Truist Financial Corp
NYSE:TFC
45.43 USD
Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
BCML vs TFC

BCML
TFC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
BayCom Corp
Revenue
Truist Financial Corp
Revenue

All metrics are calculated based on data from the last 10 years.

Profitability Comparison

Free Cash Flow
BCML vs TFC

BCML
TFC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
BayCom Corp
NASDAQ:BCML
FCF is not applicable for financial companies
Truist Financial Corp
NYSE:TFC
FCF is not applicable for financial companies
What is Free Cash Flow?

Gross Margin

BCML
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Operating Margin

BCML
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Net Margin

BCML
24.1%
TFC
34%
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Truist Financial Corp

FCF Margin

BCML
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROE

BCML
7.3%
TFC
7.4%
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Truist Financial Corp

ROA

BCML
0.9%
TFC
0.9%
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Truist Financial Corp

ROIC

BCML
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

ROCE

BCML
TFC
LTM 3Y Avg 5Y Avg 10Y Avg
B
BayCom Corp
Not applicable for financial companies
Truist Financial Corp
Not applicable for financial companies

Solvency Comparison

Balance Sheet Comparison

Stocks Performance

Stocks Performance
BCML vs TFC

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Performance Gap
BCML vs TFC

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BCML
TFC
Difference
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Performance By Year
BCML vs TFC

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BCML
TFC
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