(BCML) BayCom - Overview
Stock: Banking, Lending, Deposits, Treasury, Cards
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 3.16% |
| Yield on Cost 5y | 6.47% |
| Yield CAGR 5y | 65.10% |
| Payout Consistency | 100.0% |
| Payout Ratio | 41.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 30.2% |
| Relative Tail Risk | -7.46% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.28 |
| Alpha | -2.67 |
| Character TTM | |
|---|---|
| Beta | 0.663 |
| Beta Downside | 0.596 |
| Drawdowns 3y | |
|---|---|
| Max DD | 26.36% |
| CAGR/Max DD | 0.68 |
Description: BCML BayCom December 18, 2025
BayCom Corp (NASDAQ: BCML) is the holding company for United Business Bank, a regional lender focused on small- and mid-size commercial clients, service professionals, and retail customers. Its product suite spans demand, savings, money-market and time-deposit accounts, a full range of commercial and multifamily real-estate loans, equipment financing, SBA loans, construction and agricultural loans, as well as consumer installment and personal line products.
The bank augments its core lending business with a digital-first banking platform that includes online/mobile banking, remote deposit capture, and a suite of treasury-management services (e.g., ACH origination, wire transfers, lockbox, positive-pay, and sweep accounts). It operates a network of full-service branches across California, Nevada, Colorado, Washington, and New Mexico.
Key recent metrics (as reported in the Q2 2024 earnings release) show total assets of roughly $2.1 billion, a loan-to-deposit ratio of 78 % (slightly above the regional-bank average of 73 %), and a net interest margin of 3.45 %-benefiting from the Federal Reserve’s higher policy rates that have compressed spreads industry-wide. Deposit growth has been modest at 2 % YoY, while loan growth accelerated to 5 % YoY, driven largely by commercial real-estate and equipment financing.
Sector-level drivers that will likely influence BayCom’s performance include the trajectory of the Fed’s rate policy (which affects both net interest margin and loan demand), regional economic trends in the Western U.S. (particularly construction activity and small-business hiring), and the competitive pressure from fintech-enabled banks that are expanding into the same niche markets.
For a deeper quantitative comparison, the ValueRay platform offers a side-by-side view of BayCom’s key ratios versus peers.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 23.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA 0.07 > 1.0 |
| NWC/Revenue: -561.1% < 20% (prev -1582 %; Δ 1021 % < -1%) |
| CFO/TA 0.01 > 3% & CFO 31.0m > Net Income 23.9m |
| Net Debt (36.0m) to EBITDA (36.1m): 1.00 < 3 |
| Current Ratio: 0.21 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.9m) vs 12m ago -2.04% < -2% |
| Gross Margin: 68.45% > 18% (prev 0.70%; Δ 6775 % > 0.5%) |
| Asset Turnover: 5.39% > 50% (prev 5.17%; Δ 0.23% > 0%) |
| Interest Coverage Ratio: 0.57 > 6 (EBITDA TTM 36.1m / Interest Expense TTM 40.9m) |
Altman Z'' -1.57
| A: -0.31 (Total Current Assets 206.5m - Total Current Liabilities 1.00b) / Total Assets 2.59b |
| B: 0.07 (Retained Earnings 178.9m / Total Assets 2.59b) |
| C: 0.01 (EBIT TTM 23.1m / Avg Total Assets 2.63b) |
| D: 0.15 (Book Value of Equity 338.6m / Total Liabilities 2.26b) |
| Altman-Z'' Score: -1.57 = D |
What is the price of BCML shares?
Over the past week, the price has changed by +4.66%, over one month by +7.92%, over three months by +11.98% and over the past year by +8.33%.
Is BCML a buy, sell or hold?
- StrongBuy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the BCML price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 32.5 | 6.4% |
| Analysts Target Price | 32.5 | 6.4% |
| ValueRay Target Price | 36 | 17.7% |
BCML Fundamental Data Overview February 05, 2026
P/E Forward = 11.8624
P/S = 3.3889
P/B = 0.9648
Revenue TTM = 141.8m USD
EBIT TTM = 23.1m USD
EBITDA TTM = 36.1m USD
Long Term Debt = 8.71m USD (from longTermDebt, two quarters ago)
Short Term Debt = 972.0k USD (from shortTermDebt, two quarters ago)
Debt = 36.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 36.0m USD (from netDebt column, last quarter)
Enterprise Value = 363.0m USD (326.9m + Debt 36.0m - (null CCE))
Interest Coverage Ratio = 0.57 (Ebit TTM 23.1m / Interest Expense TTM 40.9m)
EV/FCF = 12.55x (Enterprise Value 363.0m / FCF TTM 28.9m)
FCF Yield = 7.97% (FCF TTM 28.9m / Enterprise Value 363.0m)
FCF Margin = 20.39% (FCF TTM 28.9m / Revenue TTM 141.8m)
Net Margin = 16.87% (Net Income TTM 23.9m / Revenue TTM 141.8m)
Gross Margin = 68.45% ((Revenue TTM 141.8m - Cost of Revenue TTM 44.8m) / Revenue TTM)
Gross Margin QoQ = 73.50% (prev 61.34%)
Tobins Q-Ratio = 0.14 (Enterprise Value 363.0m / Total Assets 2.59b)
Interest Expense / Debt = 25.90% (Interest Expense 9.34m / Debt 36.0m)
Taxrate = 27.61% (2.62m / 9.47m)
NOPAT = 16.8m (EBIT 23.1m * (1 - 27.61%))
Current Ratio = 0.21 (Total Current Assets 206.5m / Total Current Liabilities 1.00b)
Debt / Equity = 0.11 (Debt 36.0m / totalStockholderEquity, last quarter 338.6m)
Debt / EBITDA = 1.00 (Net Debt 36.0m / EBITDA 36.1m)
Debt / FCF = 1.25 (Net Debt 36.0m / FCF TTM 28.9m)
Total Stockholder Equity = 333.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.91% (Net Income 23.9m / Total Assets 2.59b)
RoE = 7.18% (Net Income TTM 23.9m / Total Stockholder Equity 333.2m)
RoCE = 6.77% (EBIT 23.1m / Capital Employed (Equity 333.2m + L.T.Debt 8.71m))
RoIC = 4.38% (NOPAT 16.8m / Invested Capital 382.6m)
WACC = 9.39% (E(326.9m)/V(363.0m) * Re(8.36%) + D(36.0m)/V(363.0m) * Rd(25.90%) * (1-Tc(0.28)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.96%
[DCF Debug] Terminal Value 75.42% ; FCFF base≈28.4m ; Y1≈32.7m ; Y5≈45.9m
Fair Price DCF = 53.27 (EV 616.0m - Net Debt 36.0m = Equity 580.0m / Shares 10.9m; r=9.39% [WACC]; 5y FCF grow 17.71% → 2.90% )
EPS Correlation: 22.10 | EPS CAGR: 5.80% | SUE: -0.52 | # QB: 0
Revenue Correlation: 85.05 | Revenue CAGR: 8.73% | SUE: 3.23 | # QB: 2
EPS next Quarter (2026-03-31): EPS=0.60 | Chg30d=+0.010 | Revisions Net=+0 | Analysts=2
EPS current Year (2026-12-31): EPS=2.67 | Chg30d=+0.082 | Revisions Net=+1 | Growth EPS=+22.2% | Growth Revenue=+10.5%
EPS next Year (2027-12-31): EPS=2.90 | Chg30d=+0.060 | Revisions Net=+0 | Growth EPS=+8.8% | Growth Revenue=+5.3%