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BayCom (BCML) AI Stock Analysis
BayCom
(NASDAQ:BCML)
BCML’s score is primarily held back by weakening TTM profitability and cash-flow momentum despite a conservative balance sheet. Technical signals are neutral-to-soft, while shareholder returns (dividend) and generally positive corporate updates provide partial support.
BayCom (BCML) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $336.01M
- Dividend Yield
- 3.90%
- Average Volume (3M)
- 58.58K
- Price to Earnings (P/E)
- 36.6
- Beta (1Y)
- 0.51
- Revenue Growth
- -4.80%
- EPS Growth
- -59.69%
- Country
- US
- Employees
- 323
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
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 time...
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 sources...
BayCom Financial Statement Overview
Summary
Financial health is supported by a conservative balance sheet (improved leverage and stable equity), but the latest TTM results show a clear downshift: net margins compressed materially and net income declined versus prior annual periods, while operating cash flow and free cash flow are roughly half of 2025 levels.
Income Statement
56NeutralBalance Sheet
72PositiveCash Flow
48Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 134.05M | 141.83M | 137.71M | 132.91M | 111.25M | 92.79M |
| Gross Profit | 92.26M | 97.08M | 95.87M | 102.43M | 96.45M | 83.52M |
| EBITDA | 24.25M | 35.86M | 35.39M | 41.12M | 36.46M | 32.34M |
| Net Income | 9.22M | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M |
Balance Sheet | ||||||
| Total Assets | 2.68B | 2.59B | 2.66B | 2.55B | 2.51B | 2.35B |
| Cash, Cash Equivalents and Short-Term Investments | 392.88M | 206.49M | 25.38M | 25.48M | 183.22M | 180.42M |
| Total Debt | 20.76M | 22.39M | 86.76M | 87.20M | 89.33M | 84.60M |
| Total Liabilities | 2.34B | 2.26B | 2.34B | 2.24B | 2.20B | 2.09B |
| Stockholders Equity | 334.82M | 338.55M | 324.37M | 312.87M | 317.15M | 262.61M |
Cash Flow | ||||||
| Free Cash Flow | 20.32M | 30.09M | 28.66M | 28.68M | 38.77M | 9.12M |
| Operating Cash Flow | 20.96M | 31.83M | 30.36M | 30.80M | 39.61M | 10.43M |
| Investing Cash Flow | -25.59M | -90.79M | -62.19M | 80.40M | 53.94M | -60.36M |
| Financing Cash Flow | -46.30M | -98.56M | 88.32M | 19.52M | -296.42M | 130.29M |
BayCom Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For BCML, the sentiment is Positive. The current price of 31.44 is above the 20-day moving average (MA) of 30.86, above the 50-day MA of 30.42, and above the 200-day MA of 30.11, indicating a neutral trend. The MACD of 0.05 indicates Positive momentum. The RSI at 50.35 is Neutral, neither overbought nor oversold. The STOCH value of 54.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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.
Latest Risks Added
0 New RisksBayCom Peers Comparison
Overall Rating
CBAN66Neutral
MVBF66Neutral
CZNC65.8Neutral
RBB63.1Neutral
PBFS62Neutral- BCML57Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| CBAN | 66Neutral | $431.63M | 11.18 | 9.73% | 2.34% | 21.22% | 13.95% |
| MVBF | 66Neutral | $330.28M | 8.35 | 6.58% | 2.67% | 11.42% | -31.52% |
| CZNC | 66Neutral | $503.15M | 14.19 | 10.27% | 4.07% | 25.09% | 12.79% |
| RBB | 63Neutral | $429.93M | 9.79 | 8.34% | 2.50% | 4.40% | 74.44% |
| PBFS | 62Neutral | $447.90M | 25.76 | 5.22% | ― | 17.61% | -36.83% |
| BCML | 57Neutral | $336.01M | 36.63 | 2.73% | 3.90% | -4.80% | -59.69% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| BCML | Baycom | 30.77 | 4.61 | 17.64% | |
| CZNC | Citizens & Northern | 28.03 | 9.64 | 52.45% | |
| CBAN | Colony Bankcorp | 20.34 | 4.66 | 29.71% | |
| RBB | Rbb Bancorp | 25.55 | 7.18 | 39.09% | |
| MVBF | Mvb Financial | 25.47 | 0.11 | 0.42% | |
| PBFS | Pioneer Bancorp | 18.03 | 4.92 | 37.53% |
BayCom Corporate Events
BayCom Declares Quarterly Cash Dividend to Shareholders
PositiveOn August 19, 2026, BayCom Corp announced that its Board of Directors had declared a quarterly cash dividend of $0.30 per share on the company’s common stock. The dividend will be paid on October 8, 2026, to shareholders of record at the close...
BayCom Director Syvia Magid Announces Board Resignation
NeutralOn 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 not...
BayCom Launches 2026 Executive Performance Stock Unit Program
PositiveOn 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 202...
BayCom Shareholders Back Board, Pay Plan and Auditor
PositiveBayCom 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. Kendall...
BayCom Declares Quarterly Cash Dividend, Signals Confidence
PositiveOn 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 to s...
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.
Date of analysis: Aug 19, 2026