BayCom Corp
BCML · Price history
Price at last available close
$30.53
−$0.25 (-0.81%) 1M
2026-10-28
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Company & revenue
About BayCom Corp
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
BayCom Corp operates as a bank holding company for United Business Bank. It generates revenue primarily through net interest income, which is the difference between interest earned on loans and investment securities and interest paid on deposits and other borrowings, supplemented by non-interest income from service charges and fees.
Products & services
The company provides a range of financial services including commercial and consumer loans, demand, savings, money market, and time deposit accounts, and various banking services for small to mid-sized businesses and individuals.
Brands & revenue mix
The wholly owned banking subsidiary through which the company conducts its operations.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer types
Customer concentration
No quantified customer-concentration disclosure is available in the current saved research.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Established network of 34 full-service banking branches across multiple statesSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Quarterly EPS turned negative at -0.64 versus 0.58 a year earlier.
Separate recurring operating losses from noncash or one-time charges, and check cash flow rather than interpreting negative EPS as a cash-outflow amount.
Quarterly net income turned from a profit to a loss versus the same quarter last year.
Identify the causes in the interim report and distinguish operating cash use from accounting charges. Prior profitability is not a guarantee of recovery.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
39
Poor
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
50
Fair
Financial Strength
24
Business Quality / Moat
77
Management
63
Growth Quality
25
Risk / Durability
65
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
40
Avoid
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
46/100
Building Historical Record
Model Score 46/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is low across its combined quality, valuation and risk inputs. This can reflect an expensive share price, business weaknesses, or both; check Company Quality and the category breakdown before drawing a conclusion.
At today’s price, the WSS valuation framework currently reads as less attractive based on the available valuation and market data.
The model outlook is currently cautious.
- •Insider activity signal is favorable
- •Recent buyback activity is present
- •Debt service risk
- •Valuation is a weaker part of the current profile
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BCML
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BCML maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BCML's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is BCML's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •What future growth or profitability would be needed to justify BCML's current valuation?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of BCML's score?
Essential Investment Snapshot
Wall Street Score
39
Opportunity Score
40
Market Cap
$333.4M
P/E Ratio
25.8
EPS
$1.20
52-Week High
$34.98
52-Week Low
$26.78
Beta
0.30
Intrinsic Value
$30.44
Analyst Target
$34.00
Shares Outstanding
10.9M
Total Revenue
$142.9M
Total Debt
$46.6M
Dividend Yield (TTM)
3.93%
Liquidation Value / Share
$30.78
Dividend / Share (TTM)
$1.20
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BCML
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.8x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on BCML.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Established network of 34 full-service banking branches across multiple states.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Credit risk associated with loan portfolio performance.
- −Interest rate risk affecting net interest margin.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
7 historical score records availablePrevious Score
39
Oct 15, 2026
Change
-0.1
points
Current Score
39
Oct 16, 2026
Category Changes
BCML decreased 0.1 points because some fundamentals weakened.
Projected Score
Projected Score
32
Projected Change
-7.0 points
Preliminary comparable-period financial changes suggest decline of approximately 7.0 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Near Fair ValueCurrent Price
$30.53
Model Intrinsic Value
$30.44
Difference
+$0.09
+0.3% vs IV
Margin of Safety
-0.3%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $142.9M | $141.8M | $137.7M | $132.9M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $46.5M | $44.8M | $41.8M | $30.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $96.4M | $97.1M | $95.9M | $102.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $57.9M | $46.3M | $41.5M | $43.6M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $76.4M | $64.2M | $63.8M | $64.3M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $22.6M | $35.9M | $35.4M | $41.1M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $19.9M | $32.9M | $32.1M | $38.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $38.8M | $40.9M | $40.6M | $28.5M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $19.9M | $32.6M | $32.1M | $38.2M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $6.8M | $8.7M | $8.5M | $10.7M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $13.1M | $23.9M | $23.6M | $27.4M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $1.20 | $2.18 | $2.10 | $2.27 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 10.91M | 10.90M | 11.26M | 12.07M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 10.91M | 10.90M | 11.26M | 12.07M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$33.7M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$0.64
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-46.2%
Cash Change
-0.0%
Margin Change
-38.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Debt reduced
What Weakened
- Margins contracted
- Cash position declined
Potential Score Impact
Positive indicators included debt levels. Pressure indicators included revenue growth, EPS growth, cash levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue declined 3.5%. EPS declined 210.3%. Cash was essentially unchanged. Total debt declined 46.2%. Net income margin declined by 38.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
7 historical recordsHistorical Score Chart
3 of 7 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · BCML
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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