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
3Y+3.0%
5Y+18.0%
10Y+284.0%
3Y+3.0%
5Y+16.0%
10Y+278.0%
3Y+7.0%
5Y+34.0%
10Y+334.0%
bcml

BayCom Corp Funding & Solvency Profile

BCML ยท NASDAQ
Cash & Cash Equivalents26.79M
Net Receivables8.34M
Inventory0.00
Other Current Assets-8.32M
Total Current Assets207 M
Property, Plant & Equipment25.89M
Goodwill & Intangible Assets40.58M
Long-Term Investments2.27B
Other Non-Current Assets-2.29B
Total Non-Current Assets0
Total Assets
2.59B

Financial Health Analysis

Current Ratio

55.06x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

6.66x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

203 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

8% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

BayCom Corp Balance Sheet

BCML โ€ข NASDAQ

BayCom Corp Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2008Dec 2007Dec 2006Dec 2005
ASSETS
CURRENT ASSETS
26.8M
23.4M
19.1M
29.2M
24.8M
37.4M
25.2M
24.8M
16.5M
7.2M
8.4M
19.1M
13.4M
72.2M
0.0
0.0
9.9M
9.3M
2.6M
0.0
179.7M
2M
6.3M
154M
155.7M
115.6M
119.9M
99.8M
40.5M
13.9M
23.6M
17.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
206.5M
25.4M
25.5M
183.2M
180.4M
153M
145.1M
124.6M
57M
21.1M
32M
36.7M
13.4M
72.2M
0.0
0.0
9.9M
9.3M
2.6M
0.0
8.3M
28.6M
31.9M
30.4M
16.5M
15.9M
11.4M
3.7M
3M
13.8M
15.4M
8.6M
4.7M
0.0
0.0
0.0
959.7K
922.4K
0.0
0.0
0.0
8.5M
8.4M
7.7M
5.9M
7.3M
5.5M
3.7M
3M
13.8M
15.4M
8.6M
4.7M
0.0
0.0
0.0
959.7K
922.4K
0.0
0.0
8.3M
20.1M
23.5M
22.8M
10.6M
8.6M
5.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.9M
2M
1.6M
1.6M
1.6M
1.2M
2.2M
2.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-8.3M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
52.5M
37.2M
0.0
0.0
0.0
0.0
206.5M
55.9M
59.4M
215.2M
198.5M
170.5M
157.7M
130.5M
62.4M
34.9M
47.4M
45.3M
18.1M
72.2M
52.5M
37.2M
10.8M
10.2M
2.6M
0.0
NON-CURRENT ASSETS
25.9M
26.8M
27.7M
29.8M
26.5M
27.2M
25.8M
11.2M
8.4M
1.1M
1.4M
1.3M
1.2M
741.3K
711.2K
455.3K
227.5K
236K
303K
0.0
38.8M
38.8M
38.8M
38.8M
38.8M
38.8M
35.5M
14.6M
10.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
1.7M
2.7M
3.9M
5.2M
6.5M
8.3M
9.2M
7.2M
4.8M
802.4K
1.2M
811.9K
62K
131.8K
235.9K
114.5K
0.0
0.0
0.0
0.0
40.6M
41.5M
42.8M
44M
45.3M
47.1M
44.7M
21.8M
15.1M
802.4K
1.2M
811.9K
62K
131.8K
235.9K
114.5K
0.0
0.0
0.0
0.0
2.3B
2.2B
2.1B
2B
1.7B
1.6B
1.5B
972.8M
891.2M
504.3M
460.2M
322.9M
251.1M
0.0
11.8M
141.4K
97.5M
79.6M
58.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5.9M
5.9M
6.5M
0.0
0.0
0.0
0.0
0.0
3.4M
1M
0.0
0.0
0.0
0.0
-2.3B
388.8M
336.9M
196.3M
399.6M
312.4M
304.9M
336.3M
262.1M
134.2M
113.1M
134.1M
71.9M
-873.1K
201M
135M
355.5K
653.2K
13.1M
43.3M
40.6M
2.6B
2.5B
2.3B
2.2B
2B
1.8B
1.3B
1.2B
640.4M
575.9M
459.1M
324.2M
873.1K
217.1M
136.8M
98M
80.5M
72.1M
43.3M
2.3B
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
243.5M
0.0
0.0
0.0
0.0
0.0
0.0
2.6B
2.7B
2.6B
2.5B
2.4B
2.2B
2B
1.5B
1.2B
675.3M
623.3M
504.4M
342.3M
316.6M
269.6M
174M
108.9M
90.7M
74.7M
43.3M
LIABILITIES
CURRENT LIABILITIES
0.0
0.0
0.0
16.5M
13.9M
11.6M
11.3M
8.4M
7.4M
3.3M
4.4M
2.1M
1.5M
0.0
0.0
0.0
0.0
83K
0.0
0.0
0.0
0.0
0.0
16.5M
13.9M
11.6M
11.3M
8.4M
7.4M
3.3M
4.4M
2.1M
1.5M
0.0
0.0
0.0
0.0
83K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
8.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
5M
5M
0.0
0.0
3.8M
2.2B
2.1B
2.1B
2B
1.8B
1.7B
1.3B
1.1B
590.8M
543.3M
437.9M
286.5M
0.0
107.7M
72.2M
87.8M
69.8M
60.4M
11.6M
3.8M
2.2B
2.1B
2.1B
2B
1.9B
1.7B
1.3B
1.1B
594.1M
547.7M
440.1M
288M
74.2K
107.7M
72.2M
92.8M
74.9M
60.4M
11.6M
NON-CURRENT LIABILITIES
8.7M
72.4M
72.4M
72.2M
71.9M
76.7M
8.2M
8.2M
11.4M
0.0
0.0
6M
2M
2M
0.0
415.1K
0.0
5M
0.0
15.3M
2.2B
19.4M
19.1M
4.8M
4.4M
4M
3.7M
3.3M
4M
3.2M
3.2M
165K
0.0
0.0
113.4M
67.9M
442.8K
-4.4M
408K
2.6M
2.3B
106.1M
106.3M
94.2M
89M
93M
27.5M
11.5M
15.4M
3.2M
3.2M
6.2M
2M
2M
113.4M
68.3M
442.8K
595.7K
408K
17.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
263.8M
0.0
0.0
0.0
0.0
0.0
0.0
13.7M
14.4M
14.8M
17.1M
12.7M
12.3M
15.6M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.3B
2.3B
2.2B
2.2B
2.1B
1.9B
1.7B
1.3B
1.1B
597.2M
550.9M
446.2M
290M
265.9M
221.1M
140.5M
93.3M
75.5M
60.8M
29.5M
SHAREHOLDERS' EQUITY
166.3M
172.3M
180.9M
204.3M
157.1M
167.2M
184.3M
149.5M
81.3M
46.1M
46.3M
39.6M
39M
40M
40M
32.3M
15.5M
15.5M
15.4M
0.0
287K
287K
287K
287K
287K
287K
287K
287K
287K
286.7K
286.7K
286.7K
286.7K
0.0
286.6K
263.2K
207.1K
142.9K
78K
0.0
178.9M
164.8M
146.3M
124.1M
103.1M
82.4M
68.6M
51.3M
36.8M
31.6M
25.7M
18.2M
13.1M
10.4M
8.2M
902.8K
-77.1K
-396.9K
-1.6M
0.0
-6.6M
-13M
-14.6M
-11.6M
2.2M
2.7M
1.3M
-103K
213K
88.4K
121.6K
67.3K
0.0
0.0
0.0
2.5K
1.2K
-5.6K
-36K
13.9M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
286.7K
0.0
0.0
0.0
0.0
0.0
0.0
338.6M
324.4M
312.9M
317.1M
262.6M
252.6M
254.2M
200.8M
118.6M
78.1M
72.4M
58.2M
52.3M
50.7M
48.5M
33.5M
15.6M
15.2M
13.8M
13.9M
338.6M
324.4M
312.9M
317.1M
262.6M
252.6M
254.2M
200.8M
118.6M
78.1M
72.4M
58.2M
52.3M
50.7M
48.5M
33.5M
15.6M
15.2M
13.8M
13.9M
SUMMARY
2.6B
2.7B
2.6B
2.5B
2.4B
2.2B
2B
1.5B
1.2B
675.3M
623.3M
504.4M
342.3M
0.0
269.6M
174M
108.9M
90.7M
74.7M
43.3M
2.4B
2.2B
2.1B
2.2B
1.8B
1.8B
1.6B
1.1B
931.7M
518.2M
483.8M
340.4M
251.1M
0.0
11.8M
141.4K
97.5M
79.6M
58.7M
0.0
22.4M
86.8M
87.2M
89.3M
84.6M
89M
23.8M
8.2M
11.4M
0.0
0.0
6M
2M
0.0
0.0
415.1K
5M
10M
0.0
15.3M
-4.4M
63.4M
68.1M
60.1M
59.8M
51.6M
-1.4M
-16.7M
-5.1M
-7.2M
-8.4M
-13.1M
-11.4M
-72.2M
0.0
415.1K
-4.9M
717.5K
-2.6M
15.3M
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700
10,923,700

SEC Filings

BCML - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 29, 2026
June 16, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 09, 2026
April 07, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 19, 2026
February 19, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

November 20, 2025
November 20, 2025
2025
Showing 1 to 10 of 175 filings