BCBP vs BCML

BCB Bancorp, Inc. (NJ) vs BayCom Corp — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — BCBP scores higher on quality with 8.1/10 vs BCML's 8.0/10. BCBP trades at $11.47 while BCML trades at $31.20. Both analyzed daily using SEC EDGAR data across 13 institutional models.

BCBP

Banks - Regional
BCB Bancorp, Inc. (NJ)
Quality
8.1
out of 10
Value Trap
Price
$11.47
Last close
Models
10/13
Active
VS

BCML

Banks - Regional
BayCom Corp
Quality
8.0
out of 10
Value Trap
20
SAFE
Price
$31.20
Last close
Models
11/13
Active
BCBP
Bayesian DCF sees +120.4% upside
Limited to 2/13 visible models
BCML
Earnings Power Value sees +61.2% upside
Limited to 2/13 visible models

BCBP vs BCML — Fair Value Comparison

BCBP
$0$10$20$30 Price$11.47 Bayesian …$25.28 (+120.4%) Earnings …$24.54 (+114.0%)
BCML
$0$20$40$59 Price$31.20 Bayesian …$29.66 (-4.9%) Earnings …$50.30 (+61.2%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType BCBP Fair ValueBCBP Upside BCML Fair ValueBCML Upside
Bayesian DCF Intrinsic $25.28 +120.4% $29.66 -4.9%
Earnings Power Value Intrinsic $24.54 +114.0% $50.30 +61.2%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

BCBP vs BCML — Which Stock Is More Undervalued in 2026?

BCBP scores higher with a 8.1/10 quality rating vs BCML's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do BCBP and BCML Valuations Compare?

At $11.47, BCBP trades +120.4% below its Bayesian DCF fair value of $25.28, while BCML at $31.20 trades +4.9% above its estimate of $29.66. BCBP shows a wider gap between price and intrinsic value.

Quality of Company: BCBP vs BCML

BCBP earns a Quality of Company score of 8.1/10 compared to BCML's 8.0/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: BCBP vs BCML

Review the value trap analysis for both BCBP and BCML to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both BCBP and BCML operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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