BayCom Corp

BayCom Corp

BCMLยทNASDAQ

$30.61

-1.9%
Financial ServicesBanks - Regional

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 offers demand, savings, money market, and time deposit accounts. It also provides 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 offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; 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.

At a Glance

Live Snapshot
Market Cap$333.93M
EPS2.1800
P/E Ratio14.04
Earnings Date07/16/2026
BayCom Corp

BayCom Corp Fair Value Envelope

BCML ยท NASDAQ

Our analysis suggests that BCML has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $30.61, this represents a potential HIDDEN relative to our calculated worth for BayCom Corp.

Intrinsic Value
Current Price: $30.61

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$673.6M
+ Cash & Equivalents$26.8M
Firm Value$700.4M
- Debt$22.4M
Equity Value$678.0M
/ Shares Outstanding10,923,700B
DCF Value$62
UNDERVALUED BY 103%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$33.4M
$35.1M
$36.8M
$38.7M
$40.6M
$42.6M
$44.7M
$47.0M
$49.3M
$51.8M
Maintenance CapEx
-$366.6K
-$384.9K
-$404.1K
-$424.2K
-$445.4K
-$467.6K
-$490.9K
-$515.4K
-$541.1K
-$568.1K
Owner Earnings
$33.1M
$34.7M
$36.4M
$38.2M
$40.2M
$42.2M
$44.3M
$46.5M
$48.8M
$51.2M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$30.6M
$29.7M
$28.9M
$28.1M
$27.3M
$26.6M
$25.8M
$25.1M
$24.4M
$23.7M
Terminal Value represents 59.9% of Enterprise Value