Financial Services - Banks - Regional - NASDAQ - US
$ 27.3
-0.183 %
$ 304 M
Market Cap
13.0
P/E
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.[ Read More ]
The intrinsic value of one BCML stock under the base case scenario is HIDDEN Compared to the current market price of 27.3 USD, BayCom Corp is HIDDEN
2. FUNDAMENTAL
ANALYSIS
Price Chart BCML
FINANCIALS
103 M
REVENUE
38.2 M
OPERATING INCOME
27.4 M
NET INCOME
28.4 M
OPERATING CASH FLOW
82.8 M
INVESTING CASH FLOW
19.5 M
FINANCING CASH FLOW
36.2 M
REVENUE
8.29 M
OPERATING INCOME
-6.16 M
NET INCOME
-16.3 M
OPERATING CASH FLOW
-35.9 M
INVESTING CASH FLOW
-40.8 M
FINANCING CASH FLOW
Balance Sheet Decomposition
BayCom Corp
| Current Assets | 141 M |
| Cash & Short-Term Investments | 141 M |
| Receivables | 0 |
| Other Current Assets | 0 |
| Non-Current Assets | 2.37 B |
| Long-Term Investments | 186 M |
| PP&E | 27.7 M |
| Other Non-Current Assets | 2.15 B |
| Current Liabilities | 0 |
| Accounts Payable | 0 |
| Short-Term Debt | 0 |
| Other Current Liabilities | 0 |
| Non-Current Liabilities | 2.24 B |
| Long-Term Debt | 83.3 M |
| Other Non-Current Liabilities | 2.16 B |
EFFICIENCY
Earnings Waterfall
BayCom Corp
| Revenue | 103 M |
| Cost Of Revenue | 0 |
| Gross Profit | 103 M |
| Operating Expenses | 104 M |
| Operating Income | 38.2 M |
| Other Expenses | 10.7 M |
| Net Income | 27.4 M |
RATIOS
100.00%
GROSS MARGIN
37.11%
OPERATING MARGIN
26.67%
NET MARGIN
8.77%
ROE
1.07%
ROA
7.12%
ROIC
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis
BayCom Corp
| Net Income | 27.4 M |
| Depreciation & Amortization | 2.96 M |
| Capital Expenditures | -2.12 M |
| Stock-Based Compensation | 726 K |
| Change in Working Capital | -4.1 M |
| Others | 1.11 M |
| Free Cash Flow | 26.3 M |
Wall Street Analysts Price Targets
BayCom Corp
Wall Street analysts predict an average 1-year price target for BCML of $27 , with forecasts ranging from a low of $27 to a high of $27 .
BCML Lowest Price Target
Wall Street Target
27 USD
-1.10%
BCML Average Price Target
Wall Street Target
27 USD
-1.10%
BCML Highest Price Target
Wall Street Target
27 USD
-1.10%
4. DIVIDEND ANALYSIS
0.42%
DIVIDEND YIELD
0.1 USD
DIVIDEND PER SHARE
5. COMPETITION
6. Ownership
Insider Ownership
BayCom Corp
Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
| Date | Value | Insider | Amount | Avg Price |
|---|---|---|---|---|
|
1 year ago
Mar 13, 2023
|
Bought 1.89 K USD
|
Guarini George J.
President and CEO |
+ 109
|
17.37 USD |
|
1 year ago
Mar 13, 2023
|
Bought 18.3 K USD
|
Guarini George J.
President and CEO |
+ 1050
|
17.4 USD |
|
2 years ago
Nov 10, 2022
|
Sell 196 K USD
|
Laverne Robert G.
Director |
- 10000
|
19.65 USD |
|
2 years ago
Sep 06, 2022
|
Bought 13.6 K USD
|
Guarini George J.
President and CEO |
+ 700
|
19.42 USD |
|
2 years ago
Sep 06, 2022
|
Bought 34.8 K USD
|
Guarini George J.
President and CEO |
+ 1888
|
18.44 USD |
|
2 years ago
Sep 06, 2022
|
Bought 5.74 K USD
|
Guarini George J.
President and CEO |
+ 312
|
18.4 USD |
|
2 years ago
Aug 31, 2022
|
Bought 37.1 K USD
|
Guarini George J.
President and CEO |
+ 1975
|
18.77 USD |
|
2 years ago
Aug 25, 2022
|
Sell 168 K USD
|
Laverne Robert G.
director: |
- 8650
|
19.37 USD |
|
2 years ago
Aug 22, 2022
|
Sell 221 K USD
|
Laverne Robert G.
Director |
- 11350
|
19.43 USD |
|
4 years ago
Jun 09, 2020
|
Bought 150 K USD
|
Kendall Lloyd W. Jr.
Director |
+ 10000
|
15 USD |
|
4 years ago
Jun 05, 2020
|
Bought 14 K USD
|
King Janet Lee
Senior EVP and COO |
+ 1000
|
14.01 USD |
|
4 years ago
May 19, 2020
|
Bought 20.2 K USD
|
Hotchkiss Malcolm Flemming
Director |
+ 1700
|
11.87 USD |
|
4 years ago
May 06, 2020
|
Bought 18.2 K USD
|
Hotchkiss Malcolm Flemming
Director |
+ 1500
|
12.16 USD |
|
4 years ago
Mar 05, 2020
|
Bought 19.3 K USD
|
Guarini George J.
President and CEO |
+ 1000
|
19.3 USD |
|
5 years ago
Jun 07, 2019
|
Bought 19.6 K USD
|
Guarini George J.
President and CEO |
+ 900
|
21.78 USD |
|
5 years ago
Jun 07, 2019
|
Bought 2.17 K USD
|
Guarini George J.
President and CEO |
+ 100
|
21.74 USD |
|
5 years ago
Dec 11, 2018
|
Bought 32.2 K USD
|
Guarini George J.
President and CEO |
+ 1400
|
23 USD |
|
6 years ago
May 07, 2018
|
Bought 230 K USD
|
Chaudhary Harpreet S.
Director |
+ 10000
|
23.02 USD |
7. News
Bay Commercial Bank (BCML) Upgraded to Buy: Here's Why
Bay Commercial Bank (BCML) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #2 (Buy).
zacks.com
- 2 weeks ago
Bay Commercial Bank (BCML) is on the Move, Here's Why the Trend Could be Sustainable
If you are looking for stocks that are well positioned to maintain their recent uptrend, Bay Commercial Bank (BCML) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
zacks.com
- 3 weeks ago
Bay Commercial Bank (BCML) Tops Q3 Earnings and Revenue Estimates
Bay Commercial Bank (BCML) came out with quarterly earnings of $0.54 per share, beating the Zacks Consensus Estimate of $0.47 per share. This compares to earnings of $0.56 per share a year ago.
zacks.com
- 4 weeks ago
BayCom Corp Announces Appointments of Two New Holding Company Directors
WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (NASDAQ: BCML) (the “Company”), the holding company for United Business Bank (the “Bank”), today announced that Bhupen B. Amin and Dennis Guida were appointed as directors of the Company, effective November 1, 2024. Messrs. Amin and Guida, who have been directors of the Bank since 2011 and 2022, respectively, will continue to serve in that capacity. The appointments of Messrs. Amin and Guida to the Company's Board of Directors follow the recent.
businesswire.com
- 4 weeks ago
BayCom Corp Reports 2024 Third Quarter Earnings of $6.0 Million
WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (“BayCom” or the “Company”) (NASDAQ: BCML), the holding company for United Business Bank (the “Bank” or “UBB”), announced earnings of $6.0 million, or $0.54 per diluted common share, for the third quarter of 2024, compared to earnings of $5.6 million, or $0.50 per diluted common share, for the second quarter of 2024 and $6.6 million, or $0.56 per diluted common share, for the third quarter of 2023. Net income for the third quarter of 2024 compa.
businesswire.com
- 4 weeks ago
Recent Price Trend in Bay Commercial Bank (BCML) is Your Friend, Here's Why
Bay Commercial Bank (BCML) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move.
zacks.com
- 1 month ago
Is the Options Market Predicting a Spike in BayCom (BCML) Stock?
Investors need to pay close attention to BayCom (BCML) stock based on the movements in the options market lately.
zacks.com
- 2 months ago
Bay Commercial Bank (BCML) Is a Great Choice for 'Trend' Investors, Here's Why
If you are looking for stocks that are well positioned to maintain their recent uptrend, Bay Commercial Bank (BCML) could be a great choice. It is one of the several stocks that passed through our "Recent Price Strength" screen.
zacks.com
- 3 months ago
Bay Commercial Bank (BCML) Beats Q2 Earnings Estimates
Bay Commercial Bank (BCML) came out with quarterly earnings of $0.50 per share, beating the Zacks Consensus Estimate of $0.48 per share. This compares to earnings of $0.59 per share a year ago.
zacks.com
- 3 months ago
BayCom (BCML) Rewards Investors With New Share Buyback Plan
Under BayCom's (BCML) ninth stock repurchase program, the company is authorized to buy back of 0.56 million shares.
zacks.com
- 5 months ago
BayCom Corp Announces Cash Dividend and Adoption of New Stock Repurchase Program
WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (NASDAQ: BCML) (“BayCom” or the “Company”), the parent company of United Business Bank, today announced that its Board of Directors (the “Board”) declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend is payable on July 11, 2024, to shareholders of record as of the close of business on June 13, 2024. The Company today also announced that the Board approved the Company's ninth stock rep.
businesswire.com
- 5 months ago
New Strong Sell Stocks for April 26th
AMPH, BCML and DHC have been added to the Zacks Rank #5 (Strong Sell) List on April 26, 2024.
zacks.com
- 6 months ago
8. Profile Summary
BayCom Corp BCML
COUNTRY
US
INDUSTRY
Banks - Regional
MARKET CAP
$ 304 M
Dividend Yield
0.42%
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 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.
Contact
500 Ygnacio Valley Road, Walnut Creek, CA, 94596
https://www.unitedbusinessbank.com
IPO Date
Nov. 10, 2005
Employees
336
Officers
Ms. Izabella Zhu Mitchell
Executive Vice President & Chief Risk Officer of United Business Bank
Mr. George J. Guarini
President, Chief Executive Officer & Founding Director
Ms. Janet L. King
Senior EVice President, Chief Operating Officer & Director