BCML Stock Analysis: BayCom | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 364m USD | 12M Return: 21% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 3.02M
EPS Trend: -15.5%
Qual. Beats: 1
Rev. Trend: 93.1%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality
BayCom Corp (BCML) is the holding company for United Business Bank, a community-oriented financial institution serving small and mid-sized businesses, service professionals, and individuals. The company generates revenue primarily through net interest income by accepting deposits and originating a diversified loan portfolio that includes commercial and multifamily real estate, commercial and industrial, SBA, construction, agriculture, and consumer loans. It also earns fee-based income from treasury management, online and mobile banking, debit cards, and cash management services such as ACH origination, wire transfers, and lockbox processing.
The bank operates full-service branches across Northern and Southern California, Las Vegas, Denver and several Colorado mountain counties, Seattle, and Central New Mexico, giving it a multi-state Western U.S. footprint. As a small-cap regional bank in the Financials sector, BCML is exposed to credit risk on its commercial real estate-heavy loan book and to interest rate movements that affect both loan demand and net interest margin. The company was incorporated in 2004 and is headquartered in Walnut Creek, California, having rebranded from Bay Commercial Bank to BayCom Corp in January 2017.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate concentration raises credit risk concerns
- Deposit costs rise amid regional bank competition
| Net Income: 26.4m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.01 > 0.02 and ΔFCF/TA -0.28 > 1.0 |
| NWC/Revenue: -1.55k% < 20% (prev -1.51k%; Δ -42.53% < -1%) |
| CFO/TA 0.01 > 3% & CFO 29.4m > Net Income 26.4m |
| Net Debt (11.3m) to EBITDA (38.7m): 0.29 < 3 |
| Current Ratio: 0.02 > 1.5 & < 3 |
| Outstanding Shares: last quarter (10.9m) vs 12m ago -2.04% < -2% |
| Gross Margin: 69.98% > 18% (prev 69.09%; Δ 0.88% > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 5.38%; Δ 0.15% > 0%) |
| Interest Coverage Ratio: 0.88 > 6 (EBIT TTM 35.8m / Interest Expense TTM 40.5m) |
| A: -0.85 (Total Current Assets 34.4m - Total Current Liabilities 2.28b) / Total Assets 2.65b |
| B: 0.07 (Retained Earnings 183.8m / Total Assets 2.65b) |
| C: 0.01 (EBIT TTM 35.8m / Avg Total Assets 2.61b) |
| D: 0.15 (Book Value of Equity 344.0m / Total Liabilities 2.30b) |
| Altman-Z'' = -5.07 = D |
| DSRI: 0.32 (Receivables 8.55m/25.9m, Revenue 144.2m/138.0m) |
| GMI: 0.99 (GM 69.09% / 69.98%) |
| AQI: 1.01 (AQ_t 0.98 / AQ_t-1 0.97) |
| SGI: 1.04 (Revenue 144.2m / 138.0m) |
| TATA: -0.00 (NI 26.4m - CFO 29.4m) / TA 2.65b) |
| Beneish M = -3.56 (Cap -4..+1) = AAA |
As of July 08, 2026, the stock is trading at USD 33.46 with a total of 34,909 shares traded. Over the past week, the price has changed by +2.32%, over one month by +6.14%, over three months by +11.72% and over the past year by +20.95%.
Current recommended Stop Loss: 32.20 (which is 3.8% or 1.5 ATR below the current price).
BayCom has received a consensus analysts rating of 4.33. Therefore, it is recommended to buy BCML.
- StrongBuy: 2
- Buy: 0
- Hold: 1
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 32.7 | -2.4% |
P/E Trailing = 13.8423
P/E Forward = 12.7714
P/S = 3.6428
P/B = 1.0646
P/EG = 0.9869
Revenue TTM = 144.2m USD
EBIT TTM = 35.8m USD
EBITDA TTM = 38.7m USD
Long Term Debt = 5.87m USD (from longTermDebt, last quarter)
Short Term Debt = 2.85m USD (from shortTermDebt, last quarter)
Debt = 35.0m USD (from shortLongTermDebtTotal, last quarter) + Leases 14.6m
Net Debt = 11.3m USD (calculated: Debt 35.0m - CCE 23.7m)
Enterprise Value = 375.3m USD (363.9m + Debt 35.0m - CCE 23.7m)
Interest Coverage Ratio = 0.88 (Ebit TTM 35.8m / Interest Expense TTM 40.5m)
EV/FCF = 13.64x (Enterprise Value 375.3m / FCF TTM 27.5m)
FCF Yield = 7.33% (FCF TTM 27.5m / Enterprise Value 375.3m)
FCF Margin = 19.08% (FCF TTM 27.5m / Revenue TTM 144.2m)
Net Margin = 18.32% (Net Income TTM 26.4m / Revenue TTM 144.2m)
Gross Margin = 69.98% ((Revenue TTM 144.2m - Cost of Revenue TTM 43.3m) / Revenue TTM)
Gross Margin QoQ = 75.94% (prev 73.04%)
Tobins Q-Ratio = 0.14 (Enterprise Value 375.3m / Total Assets 2.65b)
Interest Expense / Debt = 115.7% (Interest Expense 40.5m / Debt 35.0m)
Taxrate = 26.30% (9.42m / 35.8m)
NOPAT = 26.4m (EBIT 35.8m * (1 - 26.30%))
Current Ratio = 0.02 (Total Current Assets 34.4m / Total Current Liabilities 2.28b)
Debt / Equity = 0.10 (Debt 35.0m / totalStockholderEquity, last quarter 344.0m)
Debt / EBITDA = 0.29 (Net Debt 11.3m / EBITDA 38.7m)
Debt / FCF = 0.41 (Net Debt 11.3m / FCF TTM 27.5m)
Total Stockholder Equity = 336.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.01% (Net Income 26.4m / Total Assets 2.65b)
RoE = 7.84% (Net Income TTM 26.4m / Total Stockholder Equity 336.8m)
RoCE = 10.46% (EBIT 35.8m / Capital Employed (Equity 336.8m + L.T.Debt 5.87m))
RoIC = 7.16% (NOPAT 26.4m / Invested Capital 368.9m)
WACC = 6.63% (E(363.9m)/V(398.9m) * Re(7.27%) + (debt cost/tax rate unavailable))
Discount Rate = 7.27% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -2.59%
[DCF] Terminal Value 73.10% ; FCFF base≈30.0m ; Y1≈26.3m ; Y5≈21.3m
[DCF] Fair Price = 30.28 (EV 341.7m - Net Debt 11.3m = Equity 330.3m / Shares 10.9m; r=8.35% [WACC [floored]]; 5y FCF grow -15.0% → 2.50% )
EPS Correlation: -15.49 | EPS CAGR: -0.81% | SUE: 3.90 | # QB: 1
Revenue Correlation: 93.14 | Revenue CAGR: 4.38% | SUE: 0.68 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.64 | Chg30d=+0.00% | Revisions=+0% | Analysts=3
EPS next Quarter (2026-09-30): EPS=0.66 | Chg30d=+0.00% | Revisions=+0% | Analysts=3
EPS current Year (2026-12-31): EPS=2.73 | Chg30d=+0.12% | Revisions=+25% | GrowthEPS=+25.2% | GrowthRev=+7.0%
EPS next Year (2027-12-31): EPS=2.82 | Chg30d=+0.47% | Revisions=+40% | GrowthEPS=+3.4% | GrowthRev=+4.3%
[Analyst] Revisions Ratio: +30% (up=5, down=2)