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Financial Services - Banks - Regional - NASDAQ - US
$ 26.82
0.751 %
$ 295 M
Market Cap
12.77
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one BCML stock under the worst case scenario is HIDDEN Compared to the current market price of 26.8 USD, BayCom Corp is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one BCML stock under the base case scenario is HIDDEN Compared to the current market price of 26.8 USD, BayCom Corp is HIDDEN

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one BCML stock under the best case scenario is HIDDEN Compared to the current market price of 26.8 USD, BayCom Corp is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BCML

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$29.0$29.0$28.5$28.5$28.0$28.0$27.5$27.5$27.0$27.0$26.5$26.5$26.0$26.0$25.5$25.5$25.0$25.0$24.5$24.5$24.0$24.0$23.5$23.5Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
138 M REVENUE
3.61%
32.1 M OPERATING INCOME
-15.82%
23.6 M NET INCOME
-13.90%
30.4 M OPERATING CASH FLOW
-1.44%
-62.2 M INVESTING CASH FLOW
-77.34%
88.3 M FINANCING CASH FLOW
352.47%
34.1 M REVENUE
-0.08%
7.69 M OPERATING INCOME
-4.93%
5.7 M NET INCOME
-6.83%
9.28 M OPERATING CASH FLOW
16.17%
-8.61 M INVESTING CASH FLOW
79.90%
-108 M FINANCING CASH FLOW
-110.82%
Balance Sheet BayCom Corp
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Current Assets 55.9 M
Cash & Short-Term Investments 25.4 M
Receivables 28.6 M
Other Current Assets 1.94 M
Non-Current Assets 2.61 B
Long-Term Investments 2.15 B
PP&E 26.8 M
Other Non-Current Assets 430 M
80.75 %16.15 %Total Assets$2.7b
Current Liabilities 2.23 B
Accounts Payable 0
Short-Term Debt 0
Other Current Liabilities 2.23 B
Non-Current Liabilities 106 M
Long-Term Debt 86.8 M
Other Non-Current Liabilities 19.4 M
95.46 %3.71 %Total Liabilities$2.3b
EFFICIENCY
Earnings Waterfall BayCom Corp
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Revenue 138 M
Cost Of Revenue 41.8 M
Gross Profit 95.9 M
Operating Expenses 63.8 M
Operating Income 32.1 M
Other Expenses 8.51 M
Net Income 23.6 M
140m140m120m120m100m100m80m80m60m60m40m40m20m20m00138m(42m)96m(64m)32m(9m)24mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
69.62% GROSS MARGIN
69.62%
23.33% OPERATING MARGIN
23.33%
17.15% NET MARGIN
17.15%
7.28% ROE
7.28%
0.89% ROA
0.89%
5.49% ROIC
5.49%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis BayCom Corp
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40m40m35m35m30m30m25m25m20m20m15m15m10m10m5m5m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 23.6 M
Depreciation & Amortization 3.27 M
Capital Expenditures -1.7 M
Stock-Based Compensation 588 K
Change in Working Capital 276 K
Others 1.18 M
Free Cash Flow 28.7 M
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets BayCom Corp
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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 0.67%
BCML Average Price Target Wall Street Target
27 USD 0.67%
BCML Highest Price Target Wall Street Target
27 USD 0.67%
Price
Max Price Target
Min Price Target
Average Price Target
303029292828272726262525242423232222212120201919Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26
4. DIVIDEND ANALYSIS
0.60% DIVIDEND YIELD
0.2 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
0.500.500.450.450.400.400.350.350.300.300.250.250.200.200.150.150.100.100.050.050.000.000.050.10.10.10.150.050.10.10.20.050.10.10.050.200.10.400.150.450.300.1520222022202320232024202420252025
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5. COMPETITION
slide 2 of 10
6. Ownership
Insider Ownership BayCom Corp
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
742 K USD 1
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
7. News
3 Stocks to Watch That Declared Dividend Hikes Amid Market Volatility BCML, EQH, and NOC offer dividend hikes and stability as market volatility lingers amid Fed caution and unresolved global trade tensions. zacks.com - 4 weeks ago
BayCom Corp Increases Quarterly Cash Dividend 33% to $0.20 Per Share 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 declared a quarterly cash dividend of $0.20 per share on the Company's common stock, which represents a 33% increase (from $0.15 per share) in the Company's quarterly dividend. The dividend is payable on July 10, 2025 to shareholders of record as of the close of business on June 12, 2025. About BayCom Corp The Comp. businesswire.com - 1 month ago
Bay Commercial Bank (BCML) Q1 Earnings and Revenues Miss Estimates Bay Commercial Bank (BCML) came out with quarterly earnings of $0.51 per share, missing the Zacks Consensus Estimate of $0.52 per share. This compares to earnings of $0.51 per share a year ago. zacks.com - 2 months ago
BayCom Corp Reports 2025 First Quarter Earnings of $5.7 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 $5.7 million, or $0.51 per diluted common share, for the first quarter of 2025, compared to earnings of $6.1 million, or $0.55 per diluted common share, for the fourth quarter of 2024 and $5.9 million, or $0.51 per diluted common share, for the first quarter of 2024. Net income for the first quarter of 2025 compa. businesswire.com - 2 months ago
Wall Street Analysts Believe Bay Commercial Bank (BCML) Could Rally 29.21%: Here's is How to Trade The mean of analysts' price targets for Bay Commercial Bank (BCML) points to a 29.2% upside in the stock. While this highly sought-after metric has not proven reasonably effective, strong agreement among analysts in raising earnings estimates does indicate an upside in the stock. zacks.com - 2 months ago
Bay Commercial Bank (BCML) Upgraded to Strong Buy: Here's Why Bay Commercial Bank (BCML) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 3 months ago
Best Value Stocks to Buy for March 5th BCML, COMM and BGC made it to the Zacks Rank #1 (Strong Buy) value stocks list on March 5, 2025. zacks.com - 3 months ago
BayCom Corp Announces Cash Dividend 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 declared a quarterly cash dividend of $0.15 per share on the Company's common stock. The dividend is payable on April 10, 2025 to shareholders of record as of the close of business on March 13, 2025. About BayCom Corp The Company, through its wholly owned operating subsidiary, United Business Bank, offers a full ra. businesswire.com - 3 months ago
Bay Commercial Bank (BCML) is on the Move, Here's Why the Trend Could be Sustainable Bay Commercial Bank (BCML) could be a solid choice for shorter-term investors looking to capitalize on the recent price trend in fundamentally sound stocks. It is one of the many stocks that passed through our shorter-term trading strategy-based screen. zacks.com - 4 months ago
Bay Commercial Bank (BCML) Tops Q4 Earnings Estimates Bay Commercial Bank (BCML) came out with quarterly earnings of $0.55 per share, beating the Zacks Consensus Estimate of $0.51 per share. This compares to earnings of $0.55 per share a year ago. zacks.com - 4 months ago
BayCom Corp Reports 2024 Fourth Quarter Earnings of $6.1 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 $6.1 million, or $0.55 per diluted common share, for the fourth quarter of 2024, compared to earnings of $6.0 million, or $0.54 per diluted common share, for the third quarter of 2024 and $6.4 million, or $0.55 per diluted common share, for the fourth quarter of 2023. Net income for the fourth quarter of 2024 com. businesswire.com - 4 months ago
Bay Commercial Bank (BCML) Upgraded to Strong Buy: Here's What You Should Know Bay Commercial Bank (BCML) has been upgraded to a Zacks Rank #1 (Strong Buy), reflecting growing optimism about the company's earnings prospects. This might drive the stock higher in the near term. zacks.com - 6 months ago
8. Profile Summary

BayCom Corp BCML

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 295 M
Dividend Yield 0.60%
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 320
Officers Mr. George J. Guarini President, Chief Executive Officer & Founding Director Ms. Keary L. Colwell CPA Senior EVice President, Chief Financial Officer, Chief Administrative Officer, Secretary, Treasurer & Director Ms. Janet L. King Senior EVice President, Chief Operating Officer & Director Ms. Izabella Zhu Mitchell Executive Vice President & Chief Risk Officer of United Business Bank