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-20.0%
5Y+218.0%
10Y+404.0%
3Y-268.0%
5Y+23.0%
10Y+177.0%
3Y-67.0%
5Y-246.0%
10Y-310.0%
BCML

BayCom Corp Cash Conversion Engine

BCML ยท NASDAQ
Net Income23.93M
Depreciation & Amortization2.99M
Stock-Based Compensation653.00K
Change in Working Capital-1.86M
Others6.62M
Capital Expenditures-1.75M
Free Cash Flow30.09M

Cash Flow Quality Analysis

FCF Conversion Rate

125.7%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

5.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+5.0%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$1.86M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

BayCom Corp Cash Flow Statement

BCML โ€ข NASDAQ

BayCom Corp Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2008Dec 2007Dec 2004
OPERATING ACTIVITIES
23.9M
23.6M
27.4M
23.7M
20.7M
13.7M
17.3M
14.5M
5.3M
5.9M
7.5M
5.2M
2.7M
2.2M
7.3M
620.5K
319.9K
1.2M
-732K
3M
3.3M
3M
4M
3.9M
3.7M
2.8M
2.1M
1.6M
896K
936.7K
681.6K
476.3K
458.8K
287.2K
243.5K
618.3K
157K
32K
-503K
801K
1K
-1.7M
117K
-2.5M
1.4M
740K
3.5M
1.7M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
653K
588K
726K
1M
1.4M
1.5M
1.2M
1.2M
423K
334K
304.3K
113.2K
0.0
130.0
0.0
0.0
64.1K
54.6K
0.0
6.6M
1.8M
4.6M
13.5M
-13.6M
-4.7M
-18.9M
-10.9M
-5.3M
-954K
-4.7M
-1.1M
318.8K
2.2M
-5.7M
1.6M
321.1K
219.4K
197K
(8.5M)
(6.5M)
(12.2M)
(7.6M)
(7.1M)
(8.1M)
(5.1M)
(5.4M)
(3.8M)
(2.8M)
(2M)
(765K)
(2.2M)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-1.9M
276K
-4.9M
-905K
-2M
-1.7M
3.1M
-1.3M
3.9M
-1.6M
943.3K
1.6M
-1.3M
2.4M
357.6K
-562.1K
-273.1K
-235.2K
23K
31.8M
30.4M
30.8M
39.6M
10.4M
10M
7M
6.2M
9.3M
6.3M
5M
6.5M
2.2M
6.8M
2.3M
1.9M
1.1M
1.4M
-480K
INVESTING ACTIVITIES
-1.7M
-1.7M
-2.1M
-843K
-1.3M
-3.2M
-1.4M
-1M
-368K
-214K
-509.7K
-237.9K
-837.2K
-384.8K
-174.5K
-135.7K
-1.3M
-508.6K
-206K
(0.0)
(0.0)
(0.0)
(18.4M)
(0.0)
-8.4M
(32.6M)
-13M
(85M)
(0.0)
(19.7M)
(16.5M)
(0.0)
(0.0)
(14.9M)
(0.0)
(0.0)
(0.0)
(0.0)
-15.6M
-49.9M
-25.3M
-28.9M
-91M
-21.2M
-16.9M
-41.4M
-1.2M
(0.0)
-273.2K
(0.0)
(0.0)
(0.0)
-1M
-196.7K
-120.5K
-117.4K
-2M
38.6M
21.9M
11.6M
11.1M
31M
31.2M
29.5M
38.8M
7.7M
9.6M
18.4M
11.4M
0.0
0.0
957.2K
120.3K
178.3K
239.3K
221K
-112M
-32.5M
96.2M
54.1M
990K
-72M
-42.9M
5.3M
-689K
-42.2M
-59.2M
-15.7M
-27.3M
-15.5M
-21.4M
-6.3M
-17.4M
-21.4M
-15.3M
-90.8M
-62.2M
(80.4M)
(53.9M)
-60.4M
-73.7M
(927K)
-11.3M
(90.4M)
-32.7M
-21.9M
(12M)
-28.2M
-15.9M
-6.8M
-6.5M
-18.6M
-21.8M
-17.3M
FINANCING ACTIVITIES
-6.9M
-9.2M
-24.1M
-18M
-11.6M
-18.3M
-11M
66.8M
-24K
-901K
-2.8M
0.0
-1M
0.0
0.0
16.8M
0.0
97.9K
15.4M
-64.7M
-315K
0.0
0.0
-5M
66.8M
0.0
-6M
-9.9M
0.0
-6M
250K
0.0
0.0
-415.1K
0.0
0.0
5M
-1.1M
-6.6M
-3.4M
-3.6M
-2M
(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)
(0.0)
-6.9M
-9.2M
-24.1M
-18M
-11.6M
-18.3M
-11M
(0.0)
-24K
-901K
-2.8M
(0.0)
-1M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-20.4M
101.3M
47.3M
-276.4M
146.8M
19.1M
-25.1M
18M
31.4M
47.8M
-1.3M
44.8M
25.3M
43.4M
9M
12.9M
18M
9.4M
11.6M
-98.6M
88.3M
19.5M
-296.4M
130.3M
67.6M
-36.1M
78.7M
21.4M
46.9M
-10.1M
45.1M
24.2M
43.4M
8.6M
29.7M
18M
14.5M
25.9M
CASH FLOW SUMMARY
-157.5M
56.5M
130.7M
-202.9M
80.4M
3.9M
-28.2M
73.7M
121.2M
20.5M
-27M
63.5M
-1.7M
34.2M
0.0
0.0
502.8K
-5.9M
8.1M
364M
307.5M
176.8M
379.7M
299.3M
295.4M
323.6M
249.9M
128.7M
108.2M
135.2M
71.6M
73.4M
39.1M
0.0
0.0
8.2M
14.1M
123K
206.5M
364M
307.5M
176.8M
379.7M
299.3M
295.4M
323.6M
249.9M
128.7M
108.2M
135.2M
71.6M
73.4M
0.0
0.0
8.7M
8.2M
8.3M
30.1M
28.7M
28.7M
38.8M
9.1M
6.8M
5.6M
5.2M
9M
6.1M
4.5M
6.3M
1.4M
6.4M
2.1M
1.7M
-215.3K
894.4K
-686K

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