BayCom (BCML) AI Stock Analysis

• Market Cap: $297.78M
• Dividend Yield: 3.13%
• 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: 2.66
• Enterprise Value/Gross Profit: 3.84
• Enterprise Value/Ebitda: 10.30
• 1Y Price Target: $32.00
• Price Target Upside: 17.39% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 68 Neutral
• Price Target: $31.00 ▲(13.72% Upside)

BayCom's overall stock score is driven primarily by its solid financial performance and reasonable valuation. The company shows strong revenue growth and maintains healthy profit margins, although there are concerns about declining profitability and cash flow trends. The technical analysis indicates a bearish trend, which slightly offsets the positive financial and valuation aspects. The absence of earnings call data and corporate events means these factors do not influence the score.

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 primarily through interest income from loans and a variety of fees associated with its banking services. The main revenue streams include interest earned from commercial, real estate, and consumer loans, as well as service fees from deposit accounts, transaction services, and wealth management solutions. Additionally, the company may benefit from partnerships with local businesses and community organizations, enhancing its customer base and increasing deposits. Other factors contributing to its earnings include interest rate spreads, effective cost management, and strategic growth initiatives, such as expanding its branch network and digital banking services.

BayCom Financial Statement Overview

Summary

BayCom exhibits strong revenue growth and maintains healthy profit margins, although there is a slight decline in profitability. The balance sheet is stable with a conservative leverage position, but the declining ROE could be a concern. Cash flow management shows mixed results, with strong free cash flow conversion but declining growth. Overall, the company is in a solid financial position but should monitor profitability and cash flow trends closely.

Income Statement

BayCom has demonstrated strong revenue growth with a TTM revenue growth rate of 88.8%, indicating a robust expansion. The gross profit margin remains healthy at 69.2%, and the net profit margin is solid at 17.4%. However, there has been a slight decline in profitability margins compared to previous years, which could be a concern if the trend continues.

Balance Sheet

The company maintains a stable debt-to-equity ratio of 0.26, reflecting prudent financial leverage. Return on equity is moderate at 7.4%, suggesting efficient use of equity. The equity ratio stands at a healthy level, indicating a strong capital base. However, the slight decline in ROE compared to past performance may warrant attention.

Cash Flow

BayCom's cash flow performance shows a decline in free cash flow growth, with a negative growth rate of -5.3% in the TTM. The operating cash flow to net income ratio is low, indicating potential challenges in converting income into cash. However, the free cash flow to net income ratio remains strong at 96.4%, suggesting effective cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	139.23M	137.71M	132.91M	111.25M	92.79M	95.62M
Gross Profit	96.37M	95.87M	102.43M	96.45M	83.52M	76.40M
EBITDA	35.90M	35.39M	41.12M	36.46M	32.34M	21.93M
Net Income	24.20M	23.61M	27.43M	23.73M	20.69M	13.73M
Balance Sheet
Total Assets	2.62B	2.66B	2.55B	2.51B	2.35B	2.20B
Cash, Cash Equivalents and Short-Term Investments	206.45M	25.38M	25.48M	183.22M	180.42M	152.99M
Total Debt	86.63M	86.76M	87.20M	89.33M	84.60M	89.02M
Total Liabilities	2.29B	2.34B	2.24B	2.20B	2.09B	1.94B
Stockholders Equity	330.56M	324.37M	312.87M	317.15M	262.61M	252.59M
Cash Flow
Free Cash Flow	32.05M	28.66M	28.68M	38.77M	9.12M	6.78M
Operating Cash Flow	33.25M	30.36M	30.80M	39.61M	10.43M	10.00M
Investing Cash Flow	-135.43M	-62.19M	80.40M	53.94M	-60.36M	-73.66M
Financing Cash Flow	2.59M	88.32M	19.52M	-296.42M	130.29M	67.61M

BayCom Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 27.26
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCML, the sentiment is Negative. The current price of 27.26 is below the 20-day moving average (MA) of 27.79, below the 50-day MA of 28.87, and above the 200-day MA of 27.12, indicating a neutral trend. The MACD of -0.38 indicates Positive momentum. The RSI at 39.87 is Neutral, neither overbought nor oversold. The STOCH value of 20.05 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for BCML.

BayCom Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PBFS	―	$332.37M	15.70	6.98%	―	31.28%	23.21%
CBAN	―	$279.21M	10.04	9.63%	2.81%	6.92%	26.93%
CZNC	―	$344.37M	11.08	9.44%	5.75%	5.76%	21.85%
RBB	―	$321.38M	12.54	5.11%	3.44%	-0.70%	-19.65%
BCML	―	$297.78M	12.99	7.07%	3.13%	1.25%	-0.07%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MVBF	―	$325.67M	10.40	10.19%	2.59%	-10.30%	-16.98%

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.