BayCom Corp BCML R2KR3KFINANCIAL
Company Overview
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 provides demand, savings, money market, and time deposit accounts. It also offers 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 provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier's and travelers checks; letters of credit; and lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; 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.
Why Investors Should Care
Net profit has compounded at 19.1% per year over the last five years.
Carries low leverage with a debt-to-equity ratio of 0.07.
Offers a dividend yield of 3.91%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $101.36M (+4.4% YoY); net profit $23.93M.
- Trailing 12 Months Year-on-year growth — revenue -18.4%, earnings +1.3%.
- 5-Year Trend Long-term compounding — revenue CAGR 0.1%, profit CAGR 19.1%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 0.15% |
| 1 Year: | -18.40% |
Compounded Profit Growth
| 5 Years: | 19.10% |
| 1 Year: | 1.34% |
Stock Price Performance
| 1 Year: | +7.16% |
| 6 Months: | +8.21% |
| 3 Months: | -2.14% |
| 1 Month: | +0.33% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)51.73 · Neutral
P/E of 25.67 is above the sector median of 14.52 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Profit CAGR of 19.1% over 5 years.
- Attractive dividend yield of 3.91%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BCML BayCom Corp R2KR3KFINANCIAL | 30.80 | 25.67 | $336.01M | 3.91% | - | 3.93% | 0.15% | 19.10% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 358.64 | 15.37 | $953.34B | 1.68% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 506.03 | 15.07 | $707.59B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 374.00 | 31.86 | $637.34B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 579.21 | 31.82 | $503.60B | 0.60% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.68 | 14.48 | $438.31B | 2.03% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 759,350.00 | 15.07 | $384.00B | 0.00% | - | 10.50% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 107.11 | 15.30 | $367.34B | 3.62% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 217.72 | 17.59 | $342.26B | 2.15% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 24.33M | 24.81M | 26.00M | 26.22M | 27.09M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 9.77M | 10.29M | 11.54M | 9.34M | 9.35M |
| Pretax Income | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 7.69M | 8.72M | 6.74M | 9.47M | 10.90M |
| Tax Provision | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | 1.99M | 2.35M | 1.73M | 2.62M | 2.73M |
| Net Income | 1.42M | 1.50M | 3.18M | -839.00K | 4.07M | 4.29M | 3.52M | 2.62M | 4.94M | 2.23M | 5.56M | 4.59M | 2.82M | 3.12M | 3.25M | 4.54M | 4.53M | 5.31M | 5.41M | 6.49M | 3.91M | 6.97M | 7.19M | 7.21M | 6.63M | 5.88M | 5.60M | 6.02M | 5.70M | 6.36M | 5.01M | 6.86M | 8.18M |
| Diluted EPS | 0.26 | 0.23 | 0.46 | - | 0.54 | 0.45 | 0.31 | - | 0.45 | 0.20 | 0.46 | - | 0.23 | 0.26 | 0.27 | - | 0.40 | 0.49 | 0.51 | 0.51 | 0.29 | 0.52 | 0.57 | 0.59 | 0.56 | 0.51 | 0.50 | 0.54 | 0.51 | 0.58 | 0.46 | 0.63 | 0.75 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | 100.89M | 104.45M | 97.14M | 101.36M |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | 10.35M | 28.46M | 40.57M | 40.94M |
| Pretax Income | - | - | - | - | - | - | 32.44M | 38.16M | 32.12M | 32.62M |
| Tax Provision | - | - | - | - | - | - | 8.71M | 10.73M | 8.51M | 8.69M |
| Net Income | 5.91M | 5.26M | 14.49M | 17.32M | 13.73M | - | 23.73M | 27.43M | 23.61M | 23.93M |
| Diluted EPS | 1.09 | 0.81 | 1.50 | 1.47 | 1.15 | - | 2.06 | 2.27 | 2.10 | 2.18 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 1.25B | 1.48B | 1.99B | 2.20B | - | 2.51B | 2.55B | 2.66B | 2.59B |
| Current Assets | - | - | - | - | - | - | - | - | - | - | - |
| Cash & Equivalents | 108.17M | 128.68M | 249.85M | 323.58M | 295.38M | - | - | 29.22M | 19.15M | 23.39M | 26.79M |
| Inventory | - | - | - | - | - | - | - | - | - | - | - |
| Receivables | - | - | - | - | - | - | - | 7.66M | 8.42M | 8.51M | 8.34M |
| Total Liabilities | - | - | 1.13B | 1.28B | 1.74B | 1.94B | - | 2.20B | 2.24B | 2.34B | 2.26B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - | - |
| Long Term Debt | - | - | 6.00M | 0 | - | - | - | 72.19M | 72.45M | 72.38M | 8.73M |
| Total Debt | - | - | - | - | - | - | - | 89.33M | 87.20M | 86.76M | 22.39M |
| Total Equity | 72.38M | 78.06M | 118.64M | 200.75M | 254.22M | 252.59M | - | 317.15M | 312.87M | 324.37M | 338.55M |
| Shares Outstanding | - | - | - | - | - | - | - | 12.84M | 11.55M | 11.12M | 10.89M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 6.32M | 9.33M | 6.24M | 6.96M | 10.00M | 10.43M | 39.61M | 30.80M | 30.36M | 31.83M |
| Investing Cash Flow | -32.73M | 90.41M | -11.25M | 927.00K | -73.66M | -60.36M | 53.94M | 80.40M | -62.19M | -90.79M |
| Financing Cash Flow | 46.92M | 21.43M | 78.74M | -36.08M | 67.61M | 130.29M | -296.42M | 19.52M | 88.32M | -98.56M |
| Capital Expenditure | - | - | - | -1.40M | -3.21M | -1.31M | -843.00K | -2.12M | -1.70M | -1.75M |
| Free Cash Flow | - | - | - | 5.56M | 6.78M | 9.12M | 38.77M | 28.68M | 28.66M | 30.09M |
| Share Buybacks | 901.00K | 24.00K | 0 | 10.96M | 18.26M | 11.55M | 17.96M | 24.11M | 9.25M | 6.91M |
| Dividends Paid | - | - | 0 | 0 | 0 | - | - | - | - | - |
Ratios (Annual)
Figures in %.
| Metric | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - | - | - | - | - | - |
| Net Margin % | - | - | - | - | - | - | 23.5% | 26.3% | 24.3% | 23.6% |
| ROE % | 7.6% | 4.4% | 7.2% | 6.8% | 5.4% | - | 7.5% | 8.8% | 7.3% | 7.1% |
| ROCE % | - | - | - | - | - | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Wellington Management Group, LLP | 9.33% | 1.02M | $30.77M |
| 2 | Blackrock Inc. | 8.51% | 926.78K | $28.07M |
| 3 | Royce & Associates LP | 7.39% | 805.05K | $24.38M |
| 4 | Dimensional Fund Advisors LP | 5.85% | 637.00K | $19.29M |
| 5 | Vanguard Capital Management LLC | 4.25% | 462.69K | $14.01M |
| 6 | Geode Capital Management, LLC | 2.46% | 267.98K | $8.12M |
| 7 | Manufacturers Life Insurance Co. | 2.44% | 265.77K | $8.05M |
| 8 | Acadian Asset Management. LLC | 2.14% | 232.64K | $7.05M |
| 9 | State Street Corporation | 1.96% | 213.19K | $6.46M |
| 10 | American Century Companies Inc | 1.56% | 169.86K | $5.15M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BCML
Higher Rates Put BayCom Stock And Regional Banks In Focus - simplywall.st
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Bay Commercial Bank (NASDAQ:BCML) Upgraded to Sell at Wall Street Zen - marketbeat.com
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BayCom Corp (NASDAQ: BCML) director adds 1,000 shares - Stock Titan
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(BCML) Risk Channels and Responsive Allocation - Stock Traders Daily
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Bay Commercial Bank (BCML) Q2 Earnings and Revenues Miss Estimates - Yahoo Finance
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BayCom Corp Announces Cash Dividend - Business Wire
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BCML — Frequently Asked Questions
What is the current share price of BayCom Corp (BCML)?
As of 2026-09-07 16:24 PDT, BayCom Corp (BCML) trades at $30.80 on NasdaqGS. Its 52-week range is $26.35 to $34.79.
What is the market capitalisation of BCML?
BayCom Corp (BCML) has a market capitalisation of $336.01M on NasdaqGS.
What is the P/E ratio of BCML?
BCML trades at a trailing price-to-earnings (P/E) ratio of 25.67. The industry average P/E is 14.52. Its price-to-book (P/B) ratio is 0.99.
Does BCML pay a dividend?
BayCom Corp (BCML) currently offers a dividend yield of 3.91%.
What is the return on equity (ROE) of BCML?
BCML has a return on equity (ROE) of 3.93%.
Is BCML a good stock to buy?
This page provides a data-driven analysis of BayCom Corp (BCML), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.