BayCom Corp (BCML)
NASDAQ:BCML
Top Page
BayCom
(NASDAQ:BCML)
Select Model
Select Model
Rating:67Neutral
Price Target:
$31.00
▼(-0.13% Downside)
Action:DowngradedDate:03/17/26
The score is anchored by generally solid financial fundamentals (notably a stronger, less-levered balance sheet) but is held back by the sharp deterioration shown in the latest cash flow data and some margin compression. Valuation is a clear positive due to the low P/E and healthy dividend yield, while technical signals point to a neutral-to-soft momentum backdrop rather than a strong uptrend.
Positive Factors
Strong capital and lower leverage
BayCom'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.
Negative Factors
Severe cash-flow deterioration
Reported 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong capital and lower leverage
BayCom'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.
Read all positive factors
BayCom (BCML) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$338.63M
Dividend Yield2.91%
Average Volume (3M)17.94K
Price to Earnings (P/E)13.4
Beta (1Y)0.67
Revenue Growth1.25%
EPS Growth-0.07%
CountryUS
Employees320
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap0.99
Enterprise Value/Revenue2.36
Enterprise Value/Gross Profit3.44
Enterprise Value/Ebitda9.39
Forecast
1Y Price Target
$34.00Price Target Upside9.54% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)2.63
Revenue Forecast (FY)$107.65M
BayCom Business Overview & Revenue Model
Company Description
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 tim...
How the Company Makes Money
BayCom primarily makes money through its banking subsidiary by (1) earning net interest income and (2) generating noninterest income, while managing operating costs and credit losses.
1) Net interest income (core revenue driver): The bank earns i...
BayCom Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
34
Negative
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 141.83M | 137.71M | 132.91M | 111.25M | 92.79M |
| Gross Profit | 97.08M | 95.87M | 102.43M | 96.45M | 83.52M |
| EBITDA | 36.08M | 35.39M | 41.12M | 36.46M | 32.34M |
| Net Income | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M |
Balance Sheet | |||||
| Total Assets | 2.59B | 2.66B | 2.55B | 2.51B | 2.35B |
| Cash, Cash Equivalents and Short-Term Investments | 206.49M | 25.38M | 25.48M | 183.22M | 180.42M |
| Total Debt | 22.39M | 86.76M | 87.20M | 89.33M | 84.60M |
| Total Liabilities | 2.26B | 2.34B | 2.24B | 2.20B | 2.09B |
| Stockholders Equity | 338.55M | 324.37M | 312.87M | 317.15M | 262.61M |
Cash Flow | |||||
| Free Cash Flow | 28.90M | 28.66M | 28.68M | 38.77M | 9.12M |
| Operating Cash Flow | 30.64M | 30.36M | 30.80M | 39.61M | 10.43M |
| Investing Cash Flow | -89.60M | -62.19M | 80.40M | 53.94M | -60.36M |
| Financing Cash Flow | -98.56M | 88.32M | 19.52M | -296.42M | 130.29M |
BayCom Technical Analysis
Positive
31.04
Price Trends
29.44
Positive
29.30
Positive
28.50
Positive
Market Momentum
0.29
Negative
69.67
Neutral
84.62
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 31.04 is above the 20-day moving average (MA) of 29.32, above the 50-day MA of 29.44, and above the 200-day MA of 28.50, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 69.67 is Neutral, neither overbought nor oversold. The STOCH value of 84.62 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for BCML.
BayCom Risk Analysis
BayCom disclosed 33 risk factors in its most recent earnings report. BayCom reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
BayCom Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $338.63M | 13.39 | 7.07% | 2.91% | 1.25% | -0.07% | |
67 Neutral | $417.49M | 13.73 | 7.79% | 5.43% | 5.76% | 21.85% | |
66 Neutral | $380.58M | 11.02 | 6.19% | 2.98% | -0.70% | -19.65% | |
65 Neutral | $338.46M | 12.25 | 8.46% | 2.61% | -14.00% | 73.85% | |
62 Neutral | $440.89M | 10.64 | 8.98% | 2.55% | 6.92% | 26.93% | |
60 Neutral | $355.84M | 21.68 | 6.48% | ― | 28.90% | 31.84% |
* Financial Sector Average
BCML
BayCom
31.04
7.39
31.26%
CZNC
Citizens & Northern
23.31
5.92
34.03%
CBAN
Colony Bankcorp
20.83
6.90
49.52%
RBB
Rbb Bancorp
22.30
7.38
49.49%
MVBF
MVB Financial
26.35
10.65
67.81%
PBFS
Pioneer Bancorp
14.19
3.11
28.07%
BayCom Corporate Events
Dividends
BayCom Declares Quarterly Cash Dividend, Signals Confidence
Positive
Feb 19, 2026
On February 19, 2026, BayCom Corp announced that its board declared a quarterly cash dividend of $0.30 per share on its common stock, payable on April 9, 2026 to shareholders of record as of March 12, 2026. The move underscores the Walnut Creek-ba...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.