BayCom Corp (BCML)
NASDAQ:BCML
Want to see BCML full AI Analyst Report?
Top Page
BayCom
(NASDAQ:BCML)
Select Model
Select Model
Rating:62Neutral
Price Target:
$31.00
▲(6.31% Upside)
Action:ReiteratedDate:04/24/26
The score is primarily held back by the weak latest cash flow signal (operating/free cash flow reported at 0 in 2025) and soft technical momentum (negative MACD, trading below key short/intermediate moving averages). Offsetting these are a notably strengthened balance sheet (much lower leverage) and a reasonable valuation supported by a ~3.65% dividend yield, with corporate events modestly positive but carrying transition risk.
Positive Factors
Improved balance sheet leverage
A much lower debt-to-equity ratio (~0.07) and rising equity signal a materially more conservative capital posture and greater loss-absorption capacity. Structurally this reduces funding and solvency risk, supports ongoing dividends and provides optionality for measured lending growth or selective M&A over coming quarters.
Negative Factors
Operating cash flow collapse
A reported drop to zero operating and free cash flow in 2025 sharply weakens internal funding capacity and raises questions about reporting or one-off items. If the deterioration persists, it constrains the bank's ability to self-fund loan growth, dividends or M&A and increases reliance on external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved balance sheet leverage
A much lower debt-to-equity ratio (~0.07) and rising equity signal a materially more conservative capital posture and greater loss-absorption capacity. Structurally this reduces funding and solvency risk, supports ongoing dividends and provides optionality for measured lending growth or selective M&A over coming quarters.
Read all positive factors
BayCom (BCML) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$327.06M
Dividend Yield2.91%
Average Volume (3M)17.94K
Price to Earnings (P/E)9.9
Beta (1Y)0.63
Revenue Growth3.70%
EPS Growth15.06%
CountryUS
Employees320
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.75
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 Ratio10.65
Enterprise Value/Market Cap0.98
Enterprise Value/Revenue2.27
Enterprise Value/Gross Profit3.31
Enterprise Value/Ebitda9.04
Forecast
1Y Price Target
$32.00Price Target Upside9.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering2
EPS Forecast (FY)2.73
Revenue Forecast (FY)$106.98M
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 | 30.09M | 28.66M | 28.68M | 38.77M | 9.12M |
| Operating Cash Flow | 31.83M | 30.36M | 30.80M | 39.61M | 10.43M |
| Investing Cash Flow | -90.79M | -62.19M | 80.40M | 53.94M | -60.36M |
| Financing Cash Flow | -98.56M | 88.32M | 19.52M | -296.42M | 130.29M |
BayCom Technical Analysis
Neutral
29.16
Price Trends
29.45
Negative
29.43
Negative
28.58
Positive
Market Momentum
-0.11
Positive
48.79
Neutral
23.15
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCML, the sentiment is Neutral. The current price of 29.16 is below the 20-day moving average (MA) of 29.47, below the 50-day MA of 29.45, and above the 200-day MA of 28.58, indicating a neutral trend. The MACD of -0.11 indicates Positive momentum. The RSI at 48.79 is Neutral, neither overbought nor oversold. The STOCH value of 23.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
71 Outperform | $395.46M | 361.39 | 5.49% | 5.43% | 13.25% | -37.82% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $420.06M | 12.91 | 8.83% | 2.55% | 12.81% | 11.31% | |
67 Neutral | $411.83M | 8.07 | 7.85% | 2.98% | 6.99% | 103.96% | |
65 Neutral | $335.63M | 15.32 | 8.30% | 2.61% | -6.69% | 51.80% | |
65 Neutral | $356.84M | 21.68 | 6.48% | ― | 28.31% | 36.70% | |
62 Neutral | $327.06M | 9.91 | 7.18% | 2.91% | 3.70% | 15.06% |
* Financial Sector Average
BCML
BayCom
29.99
4.58
18.01%
CZNC
Citizens & Northern
22.48
4.21
23.01%
CBAN
Colony Bankcorp
19.83
4.54
29.67%
RBB
Rbb Bancorp
24.24
8.96
58.67%
MVBF
MVB Financial
25.68
8.32
47.89%
PBFS
Pioneer Bancorp
14.34
2.82
24.48%
BayCom Corporate Events
Business Operations and StrategyExecutive/Board Changes
BayCom Appoints Veteran Banker Michael Perdue to Board
Positive
Apr 23, 2026
On April 21, 2026, BayCom Corp’s board appointed veteran community banking executive Michael J. Perdue as a director of the holding company, effective April 22, 2026, with service on the compensation and nominating committees and standard no...
Business Operations and StrategyExecutive/Board Changes
BayCom Overhauls Leadership, Appoints New Growth-Focused CEO
Positive
Apr 9, 2026
On April 7, 2026, BayCom’s board moved to replace its long-standing executive team, terminating without cause CEO and founder George Guarini, COO Janet King and CFO Keary Colwell, who will stay on through July 6 to aid the transition and rec...
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.