Symbols / BCML Stock $32.52 +0.74% BayCom Corp

Financial Services • Banks - Regional • United States • NMS
BCML (Stock) Chart
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Christopher F. Baron
Exch · Country NMS · United States
Market Cap 354.77M
Enterprise Value 64.31M
Income 26.41M
Sales 100.20M
FCF (ttm) —
Book/sh 31.75
Cash/sh 28.23
Employees 327
Insider 10d —
IPO Nov 10, 2005
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 43.39%
P/E 13.44
Forward P/E 11.57
PEG 0.99
P/S 3.54
P/B 1.02
P/C —
EV/EBITDA —
EV/Sales 0.64
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 2.42
EPS next Y 2.81
EPS Growth 47.00%
Revenue Growth 15.80%
EPS Gr Q/Q 43.50%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 1.01%
ROE 7.84%
ROIC —
Gross Margin 0.00%
Oper. Margin 39.78%
Profit Margin 26.35%
Shs Outstand 10.91M
Shs Float 10.09M
Insider Own 7.45%
Instit Own 64.81%
Short Float 1.13%
Short Ratio 2.12
Short Interest 119.54K
52W High 33.15
vs 52W High -1.90%
52W Low 25.84
vs 52W Low 25.85%
Beta 0.29
Impl. Vol. 33.03%
Rel Volume 0.87
Avg Volume 47.18K
Volume 40.98K
Target (mean) $32.67
Tgt Median $32.00
Tgt Low $32.00
Tgt High $34.00
# Analysts 3
Recom Hold
Prev Close $32.28
Price $32.52
Change 0.74%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$32.67
Mean price target
2. Current target
$32.52
Latest analyst target
3. DCF / Fair value
$36.30
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$32.52
Low
$32.00
High
$34.00
Mean
$32.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-05-26 down DA Davidson Buy → Neutral $34
2026-04-28 main DA Davidson Buy → Buy $34
2026-04-10 main DA Davidson Buy → Buy $34
2026-01-27 main DA Davidson Buy → Buy $34
2025-10-28 main DA Davidson Buy → Buy $32
2025-07-21 main DA Davidson Buy → Buy $32
2020-04-28 main Janney Montgomery Scott — → Buy $17
2020-04-27 main B. Riley Securities — → Buy $15
2020-04-13 main B. Riley Securities — → Buy $19
2019-03-15 init B. Riley Securities — → Buy $28
2018-05-17 init DA Davidson — → Buy $28
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-26 PERDUE MICHAEL J Director — 5,000 $30.94 $154,700
2026-05-06 BLACK WILLIAM J Officer and Director — 33,082 $29.99 $998,235
2026-03-04 GUARINI GEORGE J Chief Executive Officer — 8,693 $0.00 $0
2026-01-02 KING JANET LEE Chief Operating Officer — 3,733 $0.00 $0
2026-01-02 ZHU IZABELLA LIN Officer — 1,353 $0.00 $0
2026-01-02 COLWELL KEARY L Chief Financial Officer — 3,733 $0.00 $0
2026-01-02 CURLEY MARY THERESE Officer — 1,739 $0.00 $0
2026-01-02 GUARINI GEORGE J Chief Executive Officer — 6,470 $0.00 $0
2025-07-21 GUARINI GEORGE J Chief Executive Officer — 17,058 $0.00 $0
2025-07-01 MAGID SYVIA L Director — 1,419 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
101.36
+4.35%
97.14
-7.00%
104.45
+3.52%
100.89
Operating Revenue
101.36
+4.35%
97.14
-7.00%
104.45
+3.52%
100.89
Selling General And Administration
42.77
+3.17%
41.45
-4.91%
43.59
+1.96%
42.75
Selling And Marketing Expense
0.82
+4.84%
0.79
-12.39%
0.90
-6.18%
0.95
General And Administrative Expense
41.94
+3.14%
40.66
-4.75%
42.69
+2.15%
41.80
Salaries And Wages
40.49
+3.24%
39.23
-5.09%
41.33
+1.18%
40.85
Other Gand A
—
—
—
—
Reconciled Depreciation
2.99
-8.45%
3.27
+10.26%
2.96
-26.28%
4.02
Total Unusual Items
—
0.00
0.00
-100.00%
1.67
Total Unusual Items Excluding Goodwill
—
0.00
0.00
-100.00%
1.67
Special Income Charges
—
0.00
0.00
-100.00%
1.67
Other Special Charges
—
—
—
—
Restructuring And Mergern Acquisition
—
0.00
0.00
+100.00%
-1.67
Net Income
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Pretax Income
32.62
+1.55%
32.12
-15.82%
38.16
+17.63%
32.44
Net Interest Income
92.89
+3.73%
89.55
-7.14%
96.44
+1.00%
95.48
Interest Expense
40.94
+0.90%
40.57
+42.53%
28.46
+174.98%
10.35
Interest Income
133.82
+2.85%
130.12
+4.18%
124.90
+18.02%
105.83
Gain On Sale Of Security
-0.51
-1272.97%
-0.04
+15.91%
-0.04
+99.05%
-4.64
Tax Provision
8.69
+2.12%
8.51
-20.75%
10.73
+23.25%
8.71
Tax Rate For Calcs
0.00
+0.38%
0.00
-5.69%
0.00
+4.66%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
-100.00%
0.45
Net Income Including Noncontrolling Interests
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Net Income From Continuing Operation Net Minority Interest
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Net Income From Continuing And Discontinued Operation
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Net Income Continuous Operations
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Normalized Income
23.93
+1.34%
23.61
-13.90%
27.43
+21.82%
22.51
Net Income Common Stockholders
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Diluted EPS
2.18
+3.81%
2.10
-7.49%
2.27
+10.19%
2.06
Basic EPS
2.18
+3.81%
2.10
-7.49%
2.27
+10.19%
2.06
Basic Average Shares
10.99
-2.41%
11.26
-6.72%
12.07
-8.00%
13.12
Diluted Average Shares
10.99
-2.41%
11.26
-6.72%
12.07
-8.00%
13.12
Diluted NI Availto Com Stockholders
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Amortization
0.95
-22.49%
1.22
-4.90%
1.29
-37.08%
2.04
Amortization Of Intangibles Income Statement
0.95
-22.49%
1.22
-4.90%
1.29
-37.08%
2.04
Depreciation Amortization Depletion Income Statement
0.95
-22.49%
1.22
-4.90%
1.29
-37.08%
2.04
Depreciation And Amortization In Income Statement
0.95
-22.49%
1.22
-4.90%
1.29
-37.08%
2.04
Insurance And Claims
1.45
+0.56%
1.44
+5.57%
1.36
+43.43%
0.95
Occupancy And Equipment
8.59
-0.97%
8.68
+6.34%
8.16
-2.70%
8.38
Other Non Interest Expense
10.37
+4.08%
9.97
+8.41%
9.19
-5.47%
9.73
Professional Expense And Contract Services Expense
2.00
-17.90%
2.44
+18.95%
2.05
-26.20%
2.77
Line Item Trend 2023-12-31
Total Assets
2,551.96
Cash And Cash Equivalents
19.15
Cash Financial
17.90
Other Short Term Investments
6.34
Receivables
31.93
Accounts Receivable
8.42
Other Receivables
23.50
Prepaid Assets
2.02
Net PPE
27.67
Gross PPE
36.20
Accumulated Depreciation
-8.53
Machinery Furniture Equipment
7.95
Other Properties
25.17
Leases
3.08
Goodwill And Other Intangible Assets
42.75
Goodwill
38.84
Other Intangible Assets
3.92
Investments And Advances
185.70
Total Liabilities Net Minority Interest
2,239.09
Payables And Accrued Expenses
—
Payables
—
Accounts Payable
—
Employee Benefits
4.55
Long Term Debt And Capital Lease Obligation
87.20
Long Term Debt
72.45
Long Term Capital Lease Obligation
14.75
Non Current Pension And Other Postretirement Benefit Plans
4.55
Stockholders Equity
312.87
Common Stock Equity
312.87
Capital Stock
180.91
Common Stock
180.91
Preferred Stock
0.00
Share Issued
11.55
Ordinary Shares Number
11.55
Treasury Shares Number
0.00
Additional Paid In Capital
0.29
Retained Earnings
146.26
Gains Losses Not Affecting Retained Earnings
-14.59
Other Equity Adjustments
-14.59
Total Equity Gross Minority Interest
312.87
Total Capitalization
385.31
Invested Capital
385.31
Total Debt
87.20
Net Debt
53.30
Capital Lease Obligations
14.75
Net Tangible Assets
270.12
Tangible Book Value
270.12
Available For Sale Securities
179.36
Cash Cash Equivalents And Federal Funds Sold
308.78
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
31.83
+4.86%
30.36
-1.44%
30.80
-22.24%
39.61
Cash Flow From Continuing Operating Activities
31.83
+4.86%
30.36
-1.44%
30.80
-22.24%
39.61
Net Income From Continuing Operations
23.93
+1.34%
23.61
-13.90%
27.43
+15.57%
23.73
Depreciation Amortization Depletion
2.99
-8.45%
3.27
+10.26%
2.96
-26.28%
4.02
Depreciation
2.04
-0.10%
2.04
+21.94%
1.68
-15.09%
1.98
Amortization Cash Flow
0.95
-22.42%
1.22
-4.98%
1.29
-37.08%
2.04
Depreciation And Amortization
2.99
-8.45%
3.27
+10.26%
2.96
-26.28%
4.02
Amortization Of Intangibles
0.95
-22.42%
1.22
-4.98%
1.29
-37.08%
2.04
Other Non Cash Items
2.46
+89.65%
1.29
-18.50%
1.59
-75.92%
6.60
Stock Based Compensation
0.65
+11.05%
0.59
-19.01%
0.73
-28.96%
1.02
Deferred Tax
-0.50
-162.80%
0.80
+80000.00%
0.00
+100.06%
-1.71
Deferred Income Tax
-0.50
-162.80%
0.80
+80000.00%
0.00
+100.06%
-1.71
Operating Gains Losses
-0.04
+95.15%
-0.78
-219.88%
0.65
-64.18%
1.83
Gain Loss On Investment Securities
0.23
+149.68%
-0.46
-140.58%
1.14
-75.05%
4.57
Gain Loss On Sale Of PPE
—
—
0.00
0.00
Change In Working Capital
-1.86
-775.00%
0.28
+105.62%
-4.91
-442.65%
-0.91
Change In Receivables
3.65
+45.33%
2.52
+43.47%
1.75
+174.85%
-2.34
Changes In Account Receivables
3.65
+45.33%
2.52
+43.47%
1.75
+174.85%
-2.34
Change In Payables And Accrued Expense
-4.65
-189.11%
-1.61
+71.12%
-5.56
-262.98%
3.41
Change In Payable
-4.65
-189.11%
-1.61
+71.12%
-5.56
-262.98%
3.41
Change In Account Payable
-4.65
-189.11%
-1.61
+71.12%
-5.56
-262.98%
3.41
Change In Other Working Capital
-0.38
+30.06%
-0.54
+43.97%
-0.96
-516.67%
-0.16
Change In Other Current Liabilities
—
—
—
0.45
Investing Cash Flow
-90.79
-45.99%
-62.19
-177.34%
80.40
+49.06%
53.94
Cash Flow From Continuing Investing Activities
-90.79
-45.99%
-62.19
-177.34%
80.40
+49.06%
53.94
Net PPE Purchase And Sale
-1.75
-2.65%
-1.70
+19.88%
-2.12
-151.84%
-0.84
Purchase Of PPE
-1.75
-2.65%
-1.70
+19.88%
-2.12
-151.84%
-0.84
Sale Of PPE
—
—
0.00
0.00
Capital Expenditure
-1.75
-2.65%
-1.70
+19.88%
-2.12
-151.84%
-0.84
Net Investment Purchase And Sale
22.96
+182.06%
-27.98
-104.05%
-13.71
+22.81%
-17.76
Purchase Of Investment
-15.61
+68.68%
-49.86
-97.32%
-25.27
+12.50%
-28.88
Sale Of Investment
38.57
+76.32%
21.88
+89.33%
11.55
+3.96%
11.12
Net Business Purchase And Sale
—
0.00
0.00
-100.00%
18.42
Purchase Of Business
—
—
—
—
Net Other Investing Changes
1.71
+9110.53%
-0.02
+97.11%
-0.66
+34.85%
-1.01
Financing Cash Flow
-98.56
-211.60%
88.32
+352.47%
19.52
+106.59%
-296.42
Cash Flow From Continuing Financing Activities
-98.56
-211.60%
88.32
+352.47%
19.52
+106.59%
-296.42
Net Issuance Payments Of Debt
-64.69
-20434.92%
-0.32
0.00
0.00
Issuance Of Debt
—
—
—
0.00
Repayment Of Debt
-64.69
-20434.92%
-0.32
0.00
0.00
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
-64.69
-20434.92%
-0.32
0.00
0.00
Net Long Term Debt Issuance
-64.69
-20434.92%
-0.32
0.00
0.00
Net Common Stock Issuance
-6.91
+25.28%
-9.25
+61.65%
-24.11
-34.27%
-17.96
Common Stock Payments
-6.91
+25.28%
-9.25
+61.65%
-24.11
-34.27%
-17.96
Common Stock Dividend Paid
-6.60
-95.56%
-3.38
+7.20%
-3.64
-80.05%
-2.02
Cash Dividends Paid
-6.60
-95.56%
-3.38
+7.20%
-3.64
-80.05%
-2.02
Repurchase Of Capital Stock
-6.91
+25.28%
-9.25
+61.65%
-24.11
-34.27%
-17.96
Changes In Cash
-157.52
-378.83%
56.49
-56.78%
130.72
+164.44%
-202.87
Beginning Cash Position
364.03
+18.37%
307.54
+73.93%
176.81
-53.43%
379.69
End Cash Position
206.51
-43.27%
364.03
+18.37%
307.54
+73.93%
176.81
Free Cash Flow
30.09
+4.99%
28.66
-0.08%
28.68
-26.03%
38.77
Interest Paid Supplemental Data
40.62
-0.05%
40.64
+50.75%
26.96
+163.14%
10.25
Income Tax Paid Supplemental Data
8.51
+30.91%
6.50
-46.49%
12.15
+58.88%
7.65
Net Investment Properties Purchase And Sale
—
—
0.00
0.00
Sale Of Business
—
0.00
0.00
-100.00%
18.42
Sale Of Investment Properties
—
—
0.00
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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