BCML vs BLX

BayCom Corp vs Banco Latinoamericano de Comerc — Valuation Comparison 2026

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

Quick Summary — BCML scores higher on quality with 8.0/10 vs BLX's 2.0/10. BCML trades at $31.20 while BLX trades at $54.99. 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

BLX

Banks - Regional
Banco Latinoamericano de Comerc
Quality
2.0
out of 10
Value Trap
Price
$54.99
Last close
Models
12/13
Active
BCML
Earnings Power Value sees +61.2% upside
Limited to 2/13 visible models
BLX
2 models active
Quality 2.0/10 — below average

BCML vs BLX — Fair Value Comparison

BCML
$0$20$40$59 Price$31.20 Bayesian …$29.66 (-4.9%) Earnings …$50.30 (+61.2%)
BLX
$0$22$43$65 Price$54.99 Bayesian …$15.91 (-71.1%) Earnings …$23.36 (-58.6%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType BCML Fair ValueBCML Upside BLX Fair ValueBLX Upside
Bayesian DCF Intrinsic $29.66 -4.9% $15.91 -71.1%
Earnings Power Value Intrinsic $50.30 +61.2% $23.36 -58.6%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

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

BCML scores higher with a 8.0/10 quality rating vs BLX's 2.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do BCML and BLX Valuations Compare?

At $31.20, BCML trades +4.9% above its Bayesian DCF fair value of $29.66, while BLX at $54.99 trades +71.1% above its estimate of $15.91. BLX shows a wider gap between price and intrinsic value.

Quality of Company: BCML vs BLX

BCML earns a Quality of Company score of 8.0/10 compared to BLX's 2.0/10. This is a significant quality gap — the higher-scoring company demonstrates materially stronger fundamentals across profitability, growth consistency, and balance sheet health. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: BCML vs BLX

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

Both in Banks - Regional

Both BCML and BLX 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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