Education
About Us
Working with TipRanks
Follow Us
BayCom Corp (BCML)
NASDAQ:BCML
BCML Stock Chart & Stats
$28.82
-$0.05(-0.19%)
At close: 4:00 PM EST
$28.82
-$0.05(-0.19%)
Day’s Range― - ―
52-Week Range$22.22 - $33.15
Previous CloseN/A
Volume1.05K
Average Volume (3M)17.94K
Market Cap
$314.41M
Enterprise Value$309.67M
Total Cash (Recent Filing)$206.49M
Total Debt (Recent Filing)$22.39M
Price to Earnings (P/E)13.4
Beta0.68
Next Earnings
Apr 16, 2026EPS Estimate
0.6Next Dividend Ex-DateN/A
Dividend Yield2.91%
Share Statistics
EPS (TTM)0.63
Shares Outstanding10,909,317
10 Day Avg. Volume18,892
30 Day Avg. Volume17,937
Financial Highlights & Ratios
PEG Ratio3.51
Price to Book (P/B)0.95
Price to Sales (P/S)2.26
P/FCF Ratio11.09
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.18
Enterprise Value/Gross Profit3.19
Enterprise Value/Ebitda8.58
Forecast
1Y Price Target
$34.00Price Target Upside17.97% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.67
Revenue Forecast (FY)$107.55M
Bulls Say, Bears Say
Bulls Say
Strong Capital And Lower LeverageBayCom's marked reduction in leverage (debt-to-equity ~0.07 in 2025) and larger equity base provide a durable capital buffer. This materially reduces solvency and refinancing risk, supporting lending capacity and resilience through economic cycles and regulatory stress tests.
Sustained Revenue Growth And NII PickupConsistent revenue growth and a step-up in 2025—alongside management notes of higher net interest income—indicate a durable core earnings engine. For a regional bank, rising NII tied to lending activity supports long-term cash generation and franchise value.
Returning Capital Via Regular DividendA continued quarterly cash dividend shows management's commitment to capital returns and signals confidence in underlying earnings and capital planning. For income-focused shareholders, a stable dividend policy reflects predictable cash allocation and financial discipline.
Bears Say
Severe Cash-flow DeteriorationReported operating and free cash flow collapsing to zero in 2025 (with FCF growth -100%) is a durable red flag. Weak cash conversion undermines internal funding for lending, dividends, and reserves, raising questions about earnings quality or a structural reporting shift.
Margin CompressionA multi-year decline in net margin from ~20.6% to ~16.9% signals sustained pressure on profitability. If margin compression persists, it will erode return on assets and limit the bank's ability to absorb credit losses or fund growth without increasing leverage or cutting costs.
Moderate Returns On EquityROE around 7.1% indicates only modest returns relative to capital, constraining long-term internal capital generation. Lower ROE reduces capacity to expand lending or increase dividends without external capital, slowing growth and limiting strategic flexibility over time.
BayCom News
BCML FAQ
What was BayCom Corp’s price range in the past 12 months?
BayCom Corp lowest stock price was $22.21 and its highest was $33.15 in the past 12 months.
What is BayCom Corp’s market cap?
BayCom Corp’s market cap is $314.41M.
When is BayCom Corp’s upcoming earnings report date?
BayCom Corp’s upcoming earnings report date is Apr 16, 2026 which is in 24 days.
How were BayCom Corp’s earnings last quarter?
BayCom Corp released its earnings results on Jan 22, 2026. The company reported $0.63 earnings per share for the quarter, missing the consensus estimate of $0.65 by -$0.02.
Is BayCom Corp overvalued?
According to Wall Street analysts BayCom Corp’s price is currently Undervalued.
Does BayCom Corp pay dividends?
BayCom Corp pays a Quarterly dividend of $0.3 which represents an annual dividend yield of 2.91%. See more information on BayCom Corp dividends here
What is BayCom Corp’s EPS estimate?
BayCom Corp’s EPS estimate is 0.6.
How many shares outstanding does BayCom Corp have?
BayCom Corp has 10,909,317 shares outstanding.
What happened to BayCom Corp’s price movement after its last earnings report?
BayCom Corp reported an EPS of $0.63 in its last earnings report, missing expectations of $0.65. Following the earnings report the stock price went down -3.022%.
Which hedge fund is a major shareholder of BayCom Corp?
Currently, no hedge funds are holding shares in BCML
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
BayCom Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$34.00 (17.97% Upside)
$34.00 (17.97% Upside)
Hedge Fund Trend
Decreased
By 18.2K Shares
Last Quarter.
Last Quarter.
Technicals
SMA
Positive
20 days / 200 days
Momentum
13.82%
12-Months-Change
Fundamentals
Return on Equity
7.07%
Trailing 12-Months
Asset Growth
1.10%
Trailing 12-Months
Company Description
BayCom Corp
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company offers demand, savings, money market, and time deposit accounts. It also provides commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.
BCML Stock 12 Month Forecast
Average Price Target
$34.00
▲(17.97% Upside)
Technical Analysis
Ownership Overview
5.07% Insiders
18.16% Mutual Funds
12.76% Other Institutional Investors
51.84% Public Companies and
Individual Investors
Options Prices
Currently, No data available
---