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BayCom
(NASDAQ:BCML)
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Rating:74Outperform
Price Target:
$37.00
▲(26.89% Upside)
Action:Reiterated
Date:07/23/26
BCML scores well primarily due to solid financial performance anchored by a conservatively positioned balance sheet and steady profitability. Valuation is supportive with a moderate P/E and solid dividend yield, while technicals indicate a constructive uptrend with neutral momentum. Corporate events are positive but secondary, reinforcing governance and shareholder-return posture.
Positive Factors
Conservative balance sheet
BayCom's very low leverage and rising equity create a durable capital buffer that reduces solvency and funding risk. This strengthens lending capacity and supports dividend capacity and strategic flexibility across economic cycles, preserving franchise value over the next several quarters.
Negative Factors
Slowing revenue growth
Revenue growth deceleration constrains earnings leverage from existing operating margins. For a regional bank dependent on loan and deposit expansion, slower top-line momentum limits uplift to net income and hampers the pace of balance-sheet scaling over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
BayCom's very low leverage and rising equity create a durable capital buffer that reduces solvency and funding risk. This strengthens lending capacity and supports dividend capacity and strategic flexibility across economic cycles, preserving franchise value over the next several quarters.
Read all positive factors
BayCom (BCML) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$329.24M
Dividend Yield3.81%
Average Volume (3M)17.94K
Price to Earnings (P/E)25.1
Beta (1Y)0.66
Revenue Growth2.01%
EPS Growth-45.00%
CountryUS
Employees327
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.20
Shares Outstanding10,909,317
10 Day Avg. Volume18,892
30 Day Avg. Volume17,937
Financial Highlights & Ratios
PEG Ratio3.54
Price to Book (P/B)0.95
Price to Sales (P/S)2.26
P/FCF Ratio10.65
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$32.00Price Target Upside9.74% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)2.05
Revenue Forecast (FY)$104.41M
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 provides demand, savings, money market, and t...
How the Company Makes Money
BayCom primarily earns money through net interest income and noninterest income. Net interest income is generated by collecting interest and fees on loans and other interest-earning assets (including securities) and paying interest on funding sour...
BayCom Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
82
Very Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 142.93M | 141.83M | 137.71M | 132.91M | 111.25M | 92.79M |
| Gross Profit | 96.38M | 97.08M | 95.87M | 102.43M | 96.45M | 83.52M |
| EBITDA | 22.05M | 36.08M | 35.39M | 41.12M | 36.46M | 32.34M |
| Net Income | 13.08M | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M |
Balance Sheet | ||||||
| Total Assets | 2.58B | 2.59B | 2.66B | 2.55B | 2.51B | 2.35B |
| Cash, Cash Equivalents and Short-Term Investments | 21.76M | 206.49M | 25.38M | 25.48M | 183.22M | 180.42M |
| Total Debt | 46.58M | 22.39M | 86.76M | 87.20M | 89.33M | 84.60M |
| Total Liabilities | 2.24B | 2.26B | 2.34B | 2.24B | 2.20B | 2.09B |
| Stockholders Equity | 335.39M | 338.55M | 324.37M | 312.87M | 317.15M | 262.61M |
Cash Flow | ||||||
| Free Cash Flow | 22.02M | 30.09M | 28.66M | 28.68M | 38.77M | 9.12M |
| Operating Cash Flow | 23.18M | 31.83M | 30.36M | 30.80M | 39.61M | 10.43M |
| Investing Cash Flow | -9.82M | -90.79M | -62.19M | 80.40M | 53.94M | -60.36M |
| Financing Cash Flow | 1.06M | -98.56M | 88.32M | 19.52M | -296.42M | 130.29M |
BayCom Technical Analysis
Negative
29.16
Price Trends
32.07
Negative
30.66
Negative
29.62
Positive
Market Momentum
0.31
Positive
39.10
Neutral
23.72
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCML, the sentiment is Negative. The current price of 29.16 is below the 20-day moving average (MA) of 32.75, below the 50-day MA of 32.07, and below the 200-day MA of 29.62, indicating a neutral trend. The MACD of 0.31 indicates Positive momentum. The RSI at 39.10 is Neutral, neither overbought nor oversold. The STOCH value of 23.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | $329.24M | 25.15 | 3.87% | 2.91% | 2.01% | -45.00% | |
73 Outperform | $446.60M | 10.81 | 7.94% | 2.44% | 3.04% | 88.65% | |
72 Outperform | $463.79M | 13.28 | 9.04% | 2.15% | 16.31% | 4.61% | |
70 Outperform | $431.82M | 20.75 | 6.29% | ― | 16.32% | -16.91% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $393.85M | 10.05 | 8.51% | 2.34% | 3.89% | 130.72% | |
53 Neutral | $454.90M | 37.90 | 7.70% | 4.60% | 18.97% | -14.99% |
* Financial Sector Average
BCML
BayCom
30.18
3.84
14.60%
CZNC
Citizens & Northern
25.39
7.60
42.70%
CBAN
Colony Bankcorp
21.92
6.07
38.31%
RBB
Rbb Bancorp
26.37
8.65
48.85%
MVBF
MVB Financial
30.65
8.23
36.70%
PBFS
Pioneer Bancorp
17.22
4.86
39.32%
BayCom Corporate Events
Executive/Board Changes
BayCom Director Syvia Magid Announces Board Resignation
Neutral
Jul 24, 2026
On July 21, 2026, BayCom Corp announced that director Syvia L. Magid notified the boards of BayCom and its subsidiary, United Business Bank, of her decision to resign, effective July 22, 2026. The company stated that Magid’s resignation was ...
Business Operations and StrategyExecutive/Board Changes
BayCom Launches 2026 Executive Performance Stock Unit Program
Positive
Jul 22, 2026
On July 21, 2026, BayCom Corp’s Board of Directors, following a recommendation from its Compensation Committee, adopted a 2026 Performance Stock Unit Program for senior executives of BayCom and United Business Bank under the company’s ...
Executive/Board ChangesShareholder Meetings
BayCom Shareholders Back Board, Pay Plan and Auditor
Positive
Jun 17, 2026
BayCom Corp held its 2026 Annual Meeting of Shareholders on June 16, 2026, at which investors elected nine directors, including Bhupen B. Amin, Christopher F. Baron, William J. Black, Jr., Harpreet S. Chaudhary, Dennis H. Guida, Jr., Lloyd W. Kend...
Dividends
BayCom Declares Quarterly Cash Dividend, Signals Confidence
Positive
May 22, 2026
On May 22, 2026, BayCom Corp announced that its board of directors declared a quarterly cash dividend of $0.30 per share on its common stock, reinforcing its pattern of returning capital to shareholders. The dividend will be paid on July 9, 2026 t...
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.