BayCom Corp logo

BayCom Corp

BCML

NASDAQFinancial ServicesBanks - Regional

Previous close

$30.00

−$0.07 · -0.23%

Aug 21, 4:00 PM ET

BCML company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

76

Undervalued

Momentum

54

Neutral

Sentiment

61

Bullish

Risk resilience

81

Low Risk

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Company profile

Company website

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.

Industry
Banks - Regional
Sector
Financial Services
Headquarters
US
CEO
Christopher F. Baronas
Listed since
Nov 10, 2005
Employees
329

Market position

Day range

Current $30.00

52-week range

Current $30.00

Open
$30.25
Previous close
$30.07
Volume
72.52K
1.1× average
Average volume
65.74K
Average daily volume
Market cap
327.28M USD
Beta
0.3
Market reference 1
50-day average
$32.004
-6.26% below average
200-day average
$30.2844
-0.94% below average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
315.96M USD
P/E (TTM)
25×
P/B (TTM)
0.98×
P/S (TTM)
2.29×
EV / EBITDA
8.76×
Earnings yield
7.47%
Free cash flow yield
9.39%
Dividend yield
3.83%

Profitability & efficiency

Gross margin
67.43%
Operating margin
13.95%
Net margin
9.15%
Return on equity
7.07%
Return on assets
0.92%
Return on invested capital
9.91%

Financial health

Debt / equity
0.14×
Current ratio
55.06×

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends97%68%39%10%Gross margin, FY2021: 90.01%Gross margin, FY2022: 86.70%Gross margin, FY2023: 77.07%Gross margin, FY2024: 69.62%Gross margin, FY2025: 68.45%Operating margin, FY2021: 30.69%Operating margin, FY2022: 29.16%Operating margin, FY2023: 28.71%Operating margin, FY2024: 23.33%Operating margin, FY2025: 23.17%Net margin, FY2021: 22.30%Net margin, FY2022: 21.33%Net margin, FY2023: 20.63%Net margin, FY2024: 17.15%Net margin, FY2025: 16.87%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 90.01%. Gross margin FY2022 86.70%. Gross margin FY2023 77.07%. Gross margin FY2024 69.62%. Gross margin FY2025 68.45%. Operating margin FY2021 30.69%. Operating margin FY2022 29.16%. Operating margin FY2023 28.71%. Operating margin FY2024 23.33%. Operating margin FY2025 23.17%. Net margin FY2021 22.30%. Net margin FY2022 21.33%. Net margin FY2023 20.63%. Net margin FY2024 17.15%. Net margin FY2025 16.87%.

Income trends

Revenue

141.83M USD+3.00%

Operating income

32.87M USD+2.33%

Net income

23.93M USD+1.34%
Income trends across reported periods153.95M USD105.49M USD57.03M USD8.58M USDRevenue, FY2021: 92.79M USDRevenue, FY2022: 111.25M USDRevenue, FY2023: 132.91M USDRevenue, FY2024: 137.71M USDRevenue, FY2025: 141.83M USDOperating income, FY2021: 28.48M USDOperating income, FY2022: 32.44M USDOperating income, FY2023: 38.16M USDOperating income, FY2024: 32.12M USDOperating income, FY2025: 32.87M USDNet income, FY2021: 20.69M USDNet income, FY2022: 23.73M USDNet income, FY2023: 27.43M USDNet income, FY2024: 23.61M USDNet income, FY2025: 23.93M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 92.79M USD. Revenue FY2022 111.25M USD. Revenue FY2023 132.91M USD. Revenue FY2024 137.71M USD. Revenue FY2025 141.83M USD. Operating income FY2021 28.48M USD. Operating income FY2022 32.44M USD. Operating income FY2023 38.16M USD. Operating income FY2024 32.12M USD. Operating income FY2025 32.87M USD. Net income FY2021 20.69M USD. Net income FY2022 23.73M USD. Net income FY2023 27.43M USD. Net income FY2024 23.61M USD. Net income FY2025 23.93M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue141.83M USD137.71M USD132.91M USD111.25M USD92.79M USD
Cost of goods sold44.75M USD41.83M USD30.48M USD14.79M USD9.27M USD
Gross profit97.08M USD95.87M USD102.43M USD96.45M USD83.52M USD
Selling, general, and administrative46.32M USD41.45M USD43.59M USD42.75M USD35.58M USD
Operating expenses64.21M USD63.75M USD64.28M USD64.02M USD55.04M USD
Interest income134.6M USD130.12M USD124.9M USD105.83M USD80.66M USD
Interest expense40.94M USD40.57M USD28.46M USD10.35M USD8.8M USD
Depreciation and amortization3.21M USD3.27M USD2.96M USD4.02M USD3.86M USD
Operating income32.87M USD32.12M USD38.16M USD32.44M USD28.48M USD
Net income23.93M USD23.61M USD27.43M USD23.73M USD20.69M USD

Company facts updated Aug 24, 2026.

Earnings

Latest fiscal-year EPS
2.18
FY2025 · +3.81% year over year
Latest fiscal-year revenue
141.83M USD
FY2025 · +3.00% year over year
Next fiscal-year EPS consensus
2.05
FY2026 · 2 analysts
Next fiscal-year revenue consensus
104.4M USD
FY2026 · 2 analysts

Annual EPS trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual EPS trend2.742.382.021.66FY21FY22FY23FY24FY25FY26FY27

Annual revenue trend

Reported history and fiscal-year consensus

ReportedConsensus forecast
Annual revenue trend146.74M127.12M107.5M87.88MFY21FY22FY23FY24FY25FY26FY27

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$34.00

13.33% upside
Past 12 months12-month forecastHigh $34.00Average $34.00Low $34.00

Rating distribution

5 ratings
Strong buy00%
Buy480%
Hold120%
Sell00%
Strong sell00%

Recent analyst actions

1 institution

BCML news

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.90

2025 complete year+350.0% since 2022

2026 partial: $0.60

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Sep 10, 2026

$0.30

Quarterly

Record Sep 10, 2026 · Payment Oct 8, 2026

Dividend

Ex-dividend Jun 11, 2026

$0.30

Quarterly

Record Jun 11, 2026 · Payment Jul 9, 2026

Dividend

Ex-dividend Mar 12, 2026

$0.30

Quarterly

Record Mar 12, 2026 · Payment Apr 9, 2026

Dividend

Ex-dividend Dec 11, 2025

$0.30

Quarterly

Record Dec 11, 2025 · Payment Jan 9, 2026

Dividend

Ex-dividend Sep 11, 2025

$0.25

Quarterly

Record Sep 11, 2025 · Payment Oct 9, 2025

Dividend

Ex-dividend Jun 12, 2025

$0.20

Quarterly

Record Jun 12, 2025 · Payment Jul 10, 2025

BCML peers

ETFs holding BCML

Funds reporting this stock among their holdings, ordered by reported position size.

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