BayCom (BCML) AI Stock Analysis

• Market Cap: $317.99M
• Dividend Yield: 2.77%
• Average Volume (3M): 28.78K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 0.71
• Revenue Growth: 2.11%
• EPS Growth: -5.15%
• Country: US
• Employees: 320
• Sector: Financial
• Sector Strength: 82
• Industry: Banks - Regional
• EPS (TTM): 0.51
• Shares Outstanding: 11,006,943
• 10 Day Avg. Volume: 39,079
• 30 Day Avg. Volume: 28,781
• PEG Ratio: N/A
• Price to Book (P/B): 0.91
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 8.72
• Enterprise Value/Market Cap: 1.14
• Enterprise Value/Revenue: 0.66
• Enterprise Value/Gross Profit: 3.79
• Enterprise Value/Ebitda: 2.53
• 1Y Price Target: $30.00
• Price Target Upside: 3.84% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 74 Outperform
• Price Target: $30.00 ▲(3.84%Upside)

BayCom's stock score is driven by solid financial performance, positive technical indicators, and a strong valuation. The notable increase in dividend further supports a positive outlook. However, the need for careful monitoring of cash flow from investing activities and a low equity ratio are potential risks.

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 Corp generates revenue primarily through interest income, which comes from the interest it earns on loans and other interest-bearing assets. This includes commercial loans, real estate loans, and various consumer loans. Additionally, the company earns money from non-interest income sources, such as service charges on deposit accounts, fees for various banking services, and gains from the sale of loans. Key partnerships with local businesses and a strong focus on regional markets contribute to its earnings by fostering a loyal customer base and facilitating cross-selling opportunities.

BayCom Financial Statement Overview

Summary

BayCom's financial performance is strong with steady revenue growth and a healthy profit margin. The balance sheet shows stable debt management but a low equity ratio, suggesting limited buffer against financial stress. Cash flow is positive but requires careful monitoring due to negative investing activities.

Income Statement

BayCom has demonstrated steady revenue growth with a TTM revenue of $138 million, reflecting a robust revenue growth rate of 24% from 2021 to 2025. The gross profit margin stands at 69.1% for TTM, and the net profit margin is a healthy 17%. However, there was a slight decrease in EBIT margin from 28.7% in 2023 to 22.9% TTM, indicating some pressure on operational efficiency.

Balance Sheet

The company's debt-to-equity ratio improved slightly to 0.27 TTM, showcasing prudent debt management. The equity ratio is 12.8%, reflecting a stable capital structure. ROE has shown consistency, standing at 7.1% TTM. While the financial health is stable, the relatively low equity ratio signifies limited buffer against financial stress.

Cash Flow

BayCom's free cash flow grew by 18% from 2021 to 2025, indicating good cash generation. The operating cash flow to net income ratio of 1.47 TTM shows strong cash conversion. However, cash flow from investing activities remains negative, suggesting ongoing significant investments.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	138.01M	137.71M	132.91M	111.25M	92.79M	95.62M
Gross Profit	95.36M	95.87M	102.43M	96.45M	83.52M	76.40M
EBITDA	34.87M	35.39M	41.12M	36.46M	32.34M	21.93M
Net Income	23.44M	23.61M	27.43M	23.73M	20.69M	13.73M
Balance Sheet
Total Assets	2.56B	2.66B	2.55B	2.51B	2.35B	2.20B
Cash, Cash Equivalents and Short-Term Investments	23.08M	25.38M	25.48M	183.22M	180.42M	152.99M
Total Debt	87.46M	86.76M	87.20M	89.33M	84.60M	89.02M
Total Liabilities	2.23B	2.34B	2.24B	2.20B	2.09B	1.94B
Stockholders Equity	329.34M	324.37M	312.87M	317.15M	262.61M	252.59M
Cash Flow
Free Cash Flow	33.85M	28.66M	28.68M	38.77M	9.12M	6.78M
Operating Cash Flow	34.55M	30.36M	30.80M	39.61M	10.43M	10.00M
Investing Cash Flow	-101.82M	-62.19M	80.40M	53.94M	-60.36M	-73.66M
Financing Cash Flow	-24.52M	88.32M	19.52M	-296.42M	130.29M	67.61M

BayCom Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 28.89
• 50DMA: Positive
• 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 28.89 is above the 20-day moving average (MA) of 27.10, above the 50-day MA of 26.66, and above the 200-day MA of 26.03, indicating a bullish trend. The MACD of 0.47 indicates Negative momentum. The RSI at 67.41 is Neutral, neither overbought nor oversold. The STOCH value of 78.60 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
CZNC	78 Outperform	$311.44M	11.53	9.83%	5.57%	1.17%	15.00%
CIVB	76 Outperform	$389.22M	11.07	9.07%	2.71%	9.51%	-2.12%
BCML	74 Outperform	$317.99M	13.76	7.28%	2.77%	2.11%	-5.15%
PBFS	73 Outperform	$323.16M	17.84	6.04%	―	16.29%	-12.22%
RBB	71 Outperform	$328.19M	15.95	4.09%	3.46%	-4.09%	-44.36%
FSBW	70 Neutral	$330.60M	9.87	11.82%	2.61%	7.35%	-4.60%
Sector *	67 Neutral	$17.01B	11.90	9.70%	3.76%	11.63%	-9.47%

BayCom Corporate Events

BayCom Corp Holds Annual Shareholders Meeting Decisions

On June 17, 2025, BayCom Corp held its Annual Meeting of Shareholders, where several key decisions were made. The shareholders approved the election of directors for a one-year term, an advisory vote on executive compensation, and the ratification of Baker Tilly US, LLP as the independent registered public accounting firm for the year ending December 31, 2025.

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.

BayCom Announces 33% Increase in Quarterly Dividend

On May 21, 2025, BayCom Corp announced a 33% increase in its quarterly cash dividend to $0.20 per share, payable on July 10, 2025, to shareholders of record as of June 12, 2025. This move signals BayCom’s strong financial health and commitment to returning value to its shareholders, potentially enhancing its position in the financial services industry.

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.