COMP <GO>
BCML vs CFFI // REVENUE GROWTH (YOY)
BayCom Corp (NASDAQ) VS. C&F Financial Corporation (NASDAQ) • 15-METRIC TALLY: BCML 2
— CFFI 4
■ METRIC PARITY
LAST: $31.32 (+1.79%) • MKT CAP: $342.0M
revenue-growth
—
LAST: $111.22 (+1.39%) • MKT CAP: $361.7M
revenue-growth
10.60%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (BCML VS. CFFI)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | BCML | CFFI | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 7.10% | 10.30% | -3.20 | CFFI | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 8.94% | 6.13% | +2.81 | BCML | /fcf-yield <GO> |
| Operating Margin | — | — | — | TIE | /operating-margins <GO> |
| Net Profit Margin | — | 19.10% | — | TIE | /net-margins <GO> |
| Revenue Growth (YoY) ACTIVE | — | 10.60% | — | TIE | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 1.96% | 1.65% | +0.31 | BCML | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 5/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.1 | 68.1 | -11.00 | CFFI | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 13.1x | 12.6x | +0.50 | CFFI | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $342.0M | $361.7M | -$19.6M | CFFI | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | BCML REV | CFFI REV | BCML GROSS % | CFFI GROSS % | BCML FCF | CFFI FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.09B | $140.8M | — | — | $30.1M | $22.2M |
| FY 2024 | $1.12B | $127.3M | — | — | $28.7M | $33.3M |
| FY 2023 | $123.4M | $127.3M | — | — | $30.8M | $38.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
BCML // BETA —
CFFI // BETA —