BCML vs BFST

BayCom Corp vs Business First Bancshares, Inc. — Valuation Comparison 2026

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

Quick Summary — BFST scores higher on quality with 9.7/10 vs BCML's 8.0/10. BCML trades at $31.20 while BFST trades at $28.15. Both analyzed daily using SEC EDGAR data across 13 institutional models.

BCML

Banks - Regional
BayCom Corp
Quality
8.0
out of 10
Value Trap
20
SAFE
Price
$31.20
Last close
Models
11/13
Active
VS

BFST

Banks - Regional
Business First Bancshares, Inc.
Quality
9.7
out of 10
Value Trap
Price
$28.15
Last close
Models
11/13
Active
BCML
Earnings Power Value sees +61.2% upside
Limited to 2/13 visible models
BFST
Earnings Power Value sees +36.4% upside
Limited to 2/13 visible models

BCML vs BFST — Fair Value Comparison

BCML
$0$20$40$59 Price$31.20 Bayesian …$29.66 (-4.9%) Earnings …$50.30 (+61.2%)
BFST
$0$15$30$45 Price$28.15 Bayesian …$29.97 (+6.5%) Earnings …$38.39 (+36.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType BCML Fair ValueBCML Upside BFST Fair ValueBFST Upside
Bayesian DCF Intrinsic $29.66 -4.9% $29.97 +6.5%
Earnings Power Value Intrinsic $50.30 +61.2% $38.39 +36.4%
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 $•••.•• ••.•% $•••.•• ••.•%

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

BFST scores higher with a 9.7/10 quality rating vs BCML's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do BCML and BFST Valuations Compare?

At $31.20, BCML trades +4.9% above its Bayesian DCF fair value of $29.66, while BFST at $28.15 trades +6.5% below its estimate of $29.97. BFST shows a wider gap between price and intrinsic value.

Quality of Company: BCML vs BFST

BCML earns a Quality of Company score of 8.0/10 compared to BFST's 9.7/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: BCML vs BFST

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

Both in Banks - Regional

Both BCML and BFST 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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