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BCML stock logo

BCML

BayCom Corp

$30.08
-0.12
 (-0.38%)
Exchange:  NASDAQ
Market Cap:  328.098M
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. Baronas
Full Time Employees:  329
Address: 
500 Ygnacio Valley Road
Walnut Creek
CA
94596
US
Website:  https://www.unitedbusinessbank.com
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 provides demand, savings, money market, and time deposit accounts. It also offers 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 provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier’s and travelers checks; letters of credit; and lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; 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.

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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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(* All numbers are in thousands)

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 Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)107,232.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)110,867.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)109,050Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)32,103.710Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)33,191.971Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)32,647.841Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)24,265.058Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)28,867.054Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)26,200Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)36,959.968Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)38,212.849Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)37,586.408Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)2.390Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)2.650Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)2.230Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
138.087M  ?P/S
 (TTM)
: 
2.29
?Net Income
 (TTM)
: 
23.614M  ?P/E
 (TTM)
: 
25
?Enterprise Value
 (TTM)
: 
352.102M  ?EV/FCF
 (TTM)
: 
13.26
?Dividend Yield
 (TTM)
: 
3.83%  ?Payout Ratio
 (TTM)
: 
87.62%
?ROE
 (TTM)
: 
3.87%  ?ROIC
 (TTM)
: 
0.51%
?Net Debt
 (TTM)
: 
63.626M  ?Debt/Equity
 (TTM)
: 
0.14
?P/B
 (TTM)
: 
0.98  ?Current Ratio
 (TTM)
: 
10.96

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Forward P/E Ratios

?

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

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
14.67Research AccessResearch AccessResearch AccessResearch 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

-0.38
MARKETSnap

Trading Metrics:

Open: 30.19   Previous Close: 30.19
Day Low: 29.75   Day High: 30.2
Year Low: 26.78   Year High: 34.98
Price Avg 50: 31.89   Price Avg 200: 30.32
Volume: 31856   Average Volume: 65743

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See in Nexus

Relevant news

BayCom Corp Announces Cash Dividend
22-05-2026 09:00
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 Announces Appointment of New Director

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