BayCom (BCML) AI Stock Analysis

• Market Cap: $298.76M
• Dividend Yield: 2.96%
• Average Volume (3M): 17.94K
• Price to Earnings (P/E): 13.0
• Beta (1Y): 0.75
• Revenue Growth: 1.25%
• EPS Growth: -0.07%
• Country: US
• Employees: 320
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.46
• Shares Outstanding: 10,923,724
• 10 Day Avg. Volume: 18,892
• 30 Day Avg. Volume: 17,937
• PEG Ratio: -1.71
• Price to Book (P/B): 0.93
• Price to Sales (P/S): 2.20
• P/FCF Ratio: 10.55
• Enterprise Value/Market Cap: 1.24
• Enterprise Value/Revenue: 2.63
• Enterprise Value/Gross Profit: 3.89
• Enterprise Value/Ebitda: 10.49
• 1Y Price Target: $32.00
• Price Target Upside: 8.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 70 Outperform
• Price Target: $31.00 ▲(4.94% Upside)

BayCom's overall stock score reflects its strong financial health and reasonable valuation. The robust balance sheet and attractive dividend yield are significant strengths. However, technical indicators suggest potential overbought conditions, and declining gross profit margins and cash flow growth pose risks. Investors should monitor cost efficiency and cash flow generation closely.

Positive Factors

Strong Balance Sheet

A strong balance sheet with low leverage provides financial stability and flexibility, enabling BayCom to navigate economic fluctuations and invest in growth opportunities.

Stable Revenue Growth

Consistent revenue growth indicates a reliable customer base and effective business strategy, supporting long-term business sustainability and shareholder value.

Proactive Financial Management

Proactive financial management enhances long-term earnings potential and risk management, positioning BayCom for sustained growth despite short-term costs.

Negative Factors

Declining Gross Profit Margins

Declining gross profit margins suggest potential cost management issues, which could impact profitability if not addressed, affecting long-term financial performance.

Negative Free Cash Flow Growth

Negative free cash flow growth may limit BayCom's ability to reinvest in the business and meet financial obligations, posing a risk to future liquidity and expansion.

Low Operating Cash Flow to Net Income Ratio

Low operating cash flow relative to net income indicates potential inefficiencies in converting earnings into cash, which could affect operational flexibility and financial health.

BayCom Business Overview & Revenue Model

Company Description

BayCom Corp (BCML) is a bank holding company headquartered in Walnut Creek, California, primarily engaged in providing a range of financial services through its wholly-owned subsidiary, Bay Bank. The company operates in the banking sector, focusing on commercial banking, real estate lending, and personal banking services. Its core products include various types of loans, deposit accounts, and investment services, catering to both individual and business clients in the local community and surrounding areas.

How the Company Makes Money

BayCom generates revenue through multiple key streams, primarily from interest income on loans and fees associated with banking services. The company's loan portfolio includes commercial loans, real estate loans, and consumer loans, which provide a significant source of interest income. Additionally, BayCom earns money through service fees from deposit accounts, transaction services, and wealth management offerings. The company may also engage in investment activities, although the primary focus remains on traditional banking services. Strategic partnerships with local businesses and community organizations contribute to its customer base, enhancing its earning potential by fostering loyalty and increasing cross-selling opportunities.

BayCom Financial Statement Overview

Summary

BayCom demonstrates strong financial health with stable revenue growth and profitability. The balance sheet is particularly strong, with low leverage and a solid equity base. However, declining gross profit margins and negative free cash flow growth pose potential risks. The company should focus on improving cost efficiency and cash flow generation to maintain its financial stability.

Income Statement

BayCom's income statement shows a stable revenue growth trend with a TTM revenue growth rate of 1.08%, indicating consistent performance. The gross profit margin has decreased over time, from 77.07% in 2023 to 52.21% in TTM, suggesting potential cost management issues. However, the net profit margin remains healthy at 16.79% TTM, reflecting strong profitability. EBIT and EBITDA margins are stable, indicating efficient operational management.

Balance Sheet

BayCom's balance sheet is robust, with a low debt-to-equity ratio of 0.069 in TTM, indicating low leverage and financial stability. The return on equity is moderate at 7.04% TTM, showing decent profitability relative to equity. The equity ratio is strong, reflecting a solid capital structure and low financial risk.

Cash Flow

The cash flow statement reveals a decline in free cash flow growth at -9.78% TTM, which could be a concern for future liquidity. However, the free cash flow to net income ratio is nearly 1, indicating that the company effectively converts its net income into free cash flow. The operating cash flow to net income ratio is low, suggesting potential challenges in cash generation from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	140.73M	137.71M	132.91M	111.25M	92.79M	95.62M
Gross Profit	95.16M	95.87M	102.43M	96.45M	83.52M	76.40M
EBITDA	35.25M	35.39M	41.12M	36.46M	32.34M	21.93M
Net Income	23.19M	23.61M	27.43M	23.73M	20.69M	13.73M
Balance Sheet
Total Assets	2.60B	2.66B	2.55B	2.51B	2.35B	2.20B
Cash, Cash Equivalents and Short-Term Investments	23.79M	25.38M	25.48M	183.22M	180.42M	152.99M
Total Debt	23.20M	86.76M	87.20M	89.33M	84.60M	89.02M
Total Liabilities	2.27B	2.34B	2.24B	2.20B	2.09B	1.94B
Stockholders Equity	334.27M	324.37M	312.87M	317.15M	262.61M	252.59M
Cash Flow
Free Cash Flow	28.91M	28.66M	28.68M	38.77M	9.12M	6.78M
Operating Cash Flow	30.98M	30.36M	30.80M	39.61M	10.43M	10.00M
Investing Cash Flow	-120.80M	-62.19M	80.40M	53.94M	-60.36M	-73.66M
Financing Cash Flow	16.98M	88.32M	19.52M	-296.42M	130.29M	67.61M

BayCom Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 29.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCML, the sentiment is Positive. The current price of 29.54 is above the 20-day moving average (MA) of 27.98, above the 50-day MA of 28.21, and above the 200-day MA of 27.19, indicating a bullish trend. The MACD of 0.28 indicates Negative momentum. The RSI at 64.88 is Neutral, neither overbought nor oversold. The STOCH value of 84.20 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCML.

BayCom Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBFS	73 Outperform	$332.12M	15.90	6.79%	―	28.90%	31.84%
CBAN	72 Outperform	$296.39M	10.68	9.63%	2.71%	6.92%	26.93%
BCML	70 Outperform	$298.76M	13.03	7.07%	2.96%	1.25%	-0.07%
CZNC	70 Outperform	$359.42M	11.54	9.42%	5.55%	5.76%	21.85%
RBB	69 Neutral	$341.62M	13.48	5.11%	3.19%	-0.70%	-19.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MVBF	66 Neutral	$331.01M	10.57	10.19%	2.65%	-14.00%	73.85%

BayCom Corporate Events

BayCom Corp Reports Q3 Earnings Amid Challenges

BayCom Corp, the holding company for United Business Bank, operates in the financial sector providing a range of banking services, including loans and deposit products across several states in the U.S. In its latest earnings report, BayCom Corp announced a net income of $5.0 million for the third quarter of 2025, a decrease from the previous quarter and the same quarter last year. This decline was primarily attributed to increased provisions for credit losses and higher noninterest expenses, despite a rise in net interest income and noninterest income. Key financial metrics revealed a stable asset base with total assets remaining steady at $2.6 billion, while loans increased to $2.0 billion. The company also reported a decrease in nonperforming loans and an increase in the allowance for credit losses. Looking ahead, BayCom’s management remains cautiously optimistic, expecting stable credit quality and improved earnings performance, with a continued focus on strategic share repurchases and cash dividends to enhance shareholder value.

BayCom Announces Quarterly Cash Dividend

On August 21, 2025, BayCom Corp announced a quarterly cash dividend of $0.25 per share on its common stock. The dividend is payable on October 9, 2025, to shareholders recorded by September 11, 2025, reflecting the company’s commitment to returning value to its investors.

The most recent analyst rating on (BCML) stock is a Hold with a $29.00 price target. To see the full list of analyst forecasts on BayCom stock, see the BCML Stock Forecast page.

BayCom Announces Redemption of Subordinated Notes

On August 15, 2025, BayCom Corp announced its plan to redeem all outstanding 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030, totaling $64.7 million, on September 15, 2025. The redemption will be executed at 100% of the principal amount plus accrued interest, using the company’s cash reserves, potentially impacting its financial liquidity and signaling a strategic financial maneuver.

The most recent analyst rating on (BCML) stock is a Buy with a $33.00 price target. To see the full list of analyst forecasts on BayCom stock, see the BCML Stock Forecast page.