BayCom (BCML) AI Stock Analysis

• Market Cap: $318.00M
• Dividend Yield: 2.91%
• Average Volume (3M): 17.94K
• Price to Earnings (P/E): 13.4
• Beta (1Y): 0.66
• Revenue Growth: 1.25%
• EPS Growth: -0.07%
• Country: US
• Employees: 320
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.63
• Shares Outstanding: 10,897,763
• 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: 1.00
• Enterprise Value/Revenue: 2.26
• Enterprise Value/Gross Profit: 3.34
• Enterprise Value/Ebitda: 9.02
• 1Y Price Target: $34.00
• Price Target Upside: 16.52% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 76 Outperform
• Price Target: $33.00 ▲(13.09% Upside)

BayCom's overall stock score is driven by strong financial health and positive technical momentum. The robust balance sheet and recent dividend increase further enhance its attractiveness. However, challenges in cost efficiency and cash flow generation, along with a fair valuation, moderate the score.

Positive Factors

Dividend Increase

The dividend increase reflects BayCom's strong financial position and commitment to shareholder value, enhancing its attractiveness in the financial market.

Balance Sheet Strength

A strong balance sheet with low leverage indicates financial stability and flexibility, supporting long-term growth and risk management.

Revenue Growth

Consistent revenue growth demonstrates the company's ability to maintain and expand its market position, contributing to long-term sustainability.

Negative Factors

Declining Gross Profit Margin

A declining gross profit margin suggests potential cost management issues, which could impact profitability and require strategic adjustments.

Negative Free Cash Flow Growth

Negative free cash flow growth can strain liquidity and limit the company's ability to invest in growth opportunities, affecting long-term financial health.

Earnings Miss

Missing earnings expectations may indicate operational challenges and could affect investor confidence, necessitating improved performance management.

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 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.

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 robust 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	36.72M	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: 29.18
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 29.18 is above the 20-day moving average (MA) of 28.98, below the 50-day MA of 29.57, and above the 200-day MA of 27.90, indicating a neutral trend. The MACD of -0.12 indicates Negative momentum. The RSI at 48.84 is Neutral, neither overbought nor oversold. The STOCH value of 29.79 is Neutral, 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
BCML	76 Outperform	$318.00M	13.40	7.07%	2.91%	1.25%	-0.07%
CZNC	74 Outperform	$405.17M	15.62	9.42%	5.43%	5.76%	21.85%
CBAN	74 Outperform	$414.00M	12.25	9.63%	2.55%	6.92%	26.93%
MVBF	73 Outperform	$355.38M	11.50	10.19%	2.61%	-14.00%	73.85%
RBB	71 Outperform	$353.55M	11.36	5.11%	2.98%	-0.70%	-19.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PBFS	66 Neutral	$354.89M	17.17	6.79%	―	28.90%	31.84%

BayCom Corporate Events

BayCom Announces 20% Increase in Quarterly Dividend

On November 20, 2025, BayCom Corp announced a 20% increase in its quarterly cash dividend to $0.30 per share, payable on January 9, 2026, to shareholders of record as of December 11, 2025. This increase reflects BayCom’s strong financial position and commitment to providing value to its shareholders, potentially enhancing its attractiveness in the financial market.

The most recent analyst rating on (BCML) stock is a Buy with a $31.00 price target. To see the full list of analyst forecasts on BayCom stock, see the BCML Stock Forecast page.