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BCML stock logo

BCML

BayCom Corp

$32.28
0.46
 (1.45%)
Exchange:  NASDAQ
Market Cap:  352.152M
Shares Outstanding:  1.54M
Delayed data
Calculate BCML Intrinsic Value
5-year outlook →
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Christopher F. Baron
Full Time Employees:  320
Address: 
500 Ygnacio Valley Road
Walnut Creek
CA
94596
US
Website:  https://www.unitedbusinessbank.com
BayCom Corp operates as the parent organization for United Business Bank, providing a comprehensive range of financial products and services. Its diverse clientele includes small to mid-sized enterprises, various service professionals, and individual consumers. The bank offers a variety of deposit accounts, such as checking, savings, money market, and certificates of deposit. On the lending front, United Business Bank specializes in several categories: commercial and multifamily real estate loans for both owner-occupied and investment properties; commercial and industrial financing, including equipment loans and revolving lines of credit for working capital; Small Business Administration (SBA) loans; construction and land development funding; agriculture-related loans; and consumer credit solutions like installment loans, secured and unsecured personal lines of credit, and overdraft protection. Beyond traditional banking, the institution offers an extensive suite of modern conveniences and business-focused solutions. These encompass online and mobile banking, ATM access, remote deposit capture, night depository, courier services, direct deposit, and comprehensive treasury management. Further services include wire transfers, Automated Clearing House (ACH) services, debit cards, cashier’s and traveler’s checks, letters of credit, lockbox services, positive and reverse positive pay, and account reconciliation. Specialized account types such as zero balance accounts and various sweep accounts, including loan sweeps, are also provided. As of December 31, 2021, BayCom Corp maintained a network of 33 full-service banking branches strategically located across Northern and Southern California; Denver, Colorado; Custer, Delta, and Grand counties within Colorado; Seattle, Washington; and Central New Mexico. The company, founded in 2004 and based in Walnut Creek, California, rebranded to BayCom Corp in January 2017, having previously operated as Bay Commercial Bank.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue132,912137,705141,832
Gross Profit102,43495,87197,079
EBITDA41,12135,38736,075
Operating Income38,15832,12032,867
Net Income27,42523,61423,931

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets2,551,9602,664,5082,593,677
Total Liabilities2,239,0912,340,1422,255,123
Total Stockholders Equity312,869324,366338,554
Total Debt87,19886,76422,385
Cash and Cash Equivalents17,90123,38726,785

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Cash Flow Statement

Year202320242025
Operating Cash Flow30,80230,35730,644
Capital Expenditure-2,123-1,701-1,746
Free Cash Flow28,67928,65628,898
Net Income27,42523,6148,512
Net Change in Cash130,72456,493-157,518

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)111,065.662Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)112,196.837Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)111,631.250Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)33,251.298Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)33,589.954Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)33,420.626Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)30,396.512Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)30,719.816Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)30,558.164Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)38,281.149Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)38,671.033Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)38,476.091Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)2.810Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)2.820Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)2.790Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)1Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)2Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
138.087M  ?P/S
 (TTM)
: 
2.4
?Net Income
 (TTM)
: 
23.614M  ?P/E
 (TTM)
: 
13.12
?Enterprise Value
 (TTM)
: 
348.469M  ?EV/FCF
 (TTM)
: 
12.67
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.31
?ROE
 (TTM)
: 
0.08  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
63.626M  ?Debt/Equity
 (TTM)
: 
0.06
?P/B
 (TTM)
: 
1.01  ?Current Ratio
 (TTM)
: 
9.5

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
11.82Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MARKETSnap estimates BCML intrinsic value between $32.34 – $37.44 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

[intrinsic_calculator]

Common questions about BCML valuation

Is BayCom Corp (BCML) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for BayCom Corp (BCML) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is BCML a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BCML trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is BCML’s P/E ratio?

You can see BCML’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for BCML?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is BCML a good long-term investment?

Whether BCML fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

BCML

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

1.45
MARKETSnap

Trading Metrics:

Open: 31.99   Previous Close: 31.82
Day Low: 31.99   Day High: 32.75
Year Low: 25.84   Year High: 33.15
Price Avg 50: 30.08   Price Avg 200: 29.47
Volume: 86029   Average Volume: 43941

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See in Nexus

Relevant news

BayCom Corp Announces Cash Dividend
19-02-2026 16:30
BayCom Corp Announces Cash Dividend
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of BayCom Corp - BCML
30-04-2026 21:42
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of BayCom Corp - BCML
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of BayCom Corp – BCML
12-05-2026 17:21
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims on Behalf of Investors of BayCom Corp – BCML
BayCom Corp Reports 2026 First Quarter Earnings of $8.2 Million
23-04-2026 16:30
BayCom Corp Announces Appointment of New Director
BayCom Corp Announces Appointment of New Director
23-04-2026 16:30
BayCom Corp Reports 2026 First Quarter Earnings of $8.2 Million
Best Income Stocks to Buy for February 3rd
03-02-2026 04:35
Best Income Stocks to Buy for February 3rd

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