BayCom Corp (BCML) is a publicly traded company in the Financial Services — Banks - Regional industry listed on NASDAQ. This overview shows the latest price, key valuation ratios, profitability metrics and financial-health indicators used by fundamental investors.
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.
Analysis Summary
BayCom Corp reported revenue of $141.8M in the most recent fiscal year, growing at a 5-year CAGR of 8.2%. Net income reached $23.9M, with a 11.8% 5-year CAGR.
Trailing-twelve-month margins: gross margin 67.4%, operating margin 13.9%, net margin 9.2%. Free cash flow grew at 34.7% CAGR over 5 years.
At the current price of $30.03, BCML trades at a P/E of 25.06 and an ROE of 3.87%. Market capitalisation stands at $328M.
Balance sheet quality for BCML: current ratio of 55.1, net cash position of $184.1M. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Cash flow quality is strong: free cash flow of $30.1M represents 126% conversion of reported net income. High conversion (above 90%) suggests earnings translate cleanly into cash; lower conversion may indicate working capital tightness or accounting timing differences.
Price
| Price | $30.03 |
| Market Cap | $328M |
| Exchange | NASDAQ |
| Country | US |
Valuation Ratios
| P/E Ratio | 25.06 |
| Price / Book | 0.98 |
| EV / EBITDA | 16.02 |
| Dividend Yield | 3.99% |
Profitability
| Return on Equity | 3.87% |
| Return on Invested Capital | 0.51% |
| Return on Assets | 0.51% |
| Gross Margin | 67.43% |
| Operating Margin | 13.95% |
| Net Margin | 9.15% |
Financial Health
| Debt / Equity | 0.14 |
| Current Ratio | 10.96 |
What to look at in Banking companies
- Efficiency Ratio (<=55%) — Operating expenses / revenue. Top banks below 55%.
- ROA (>=1%) — How much they earn per dollar of assets. ROE misleads in banks due to leverage.
- ROTCE (>=12%) — Return on Tangible Common Equity. Strips goodwill and intangibles.
- Equity / Assets (Tier 1 proxy) (>=8%) — Capital ratio proxy. FMP does not expose regulatory Tier 1 directly.
- P/B (1.0-1.5x) — Classic banking metric. <1x can be opportunity or distress.
- Sustainable dividend yield (>=2%, <8%) — EU banks pay 5-7% normally. >8% is distress signal.
Peer Comparison
| Symbol | Company | Market Cap | P/E | P/B | ROE |
|---|---|---|---|---|---|
| BCML | BayCom Corp | $328M | 25.06 | 0.98 | 3.9% |
| 0O84.L | DNB Bank ASA | $487.3B | |||
| MFG | Mizuho Financial Group, Inc. | $133.2B | 15.46 | 1.83 | 12.3% |
| HDB | HDFC Bank Limited | $119.7B | 13.92 | 1.82 | |
| IBN | ICICI Bank Limited | $100.7B | 16.85 | 2.49 | 15.7% |
| SBID.L | State Bank of India | $96.4B | |||
| 0KEF.L | The PNC Financial Services Group, Inc. | $94.3B | 12.97 | 1.49 | 12.3% |
| PNC | The PNC Financial Services Group, Inc. | $92.4B | 13.10 | 1.50 |
Price Performance
| 1 month | -3.98% |
| 3 months | -5.35% |
| Year-to-date | +1.57% |
| 1 year | +0.48% |
| 3 years | +55.45% |
| 5 years | +63.18% |
52-Week Range
| 52-week High | $34.98 |
| 52-week Low | $26.78 |
| Avg Volume (90d) | 66K |
Dividend History
| Date | Amount | Yield |
|---|---|---|
| 2026-09-10 | $0.3000 | 4.00% |
| 2026-06-11 | $0.3000 | 4.00% |
| 2026-03-12 | $0.3000 | 4.00% |
| 2025-12-11 | $0.3000 | 4.00% |
| 2025-09-11 | $0.2500 | 3.33% |
| 2025-06-12 | $0.2000 | 2.66% |
| 2025-03-13 | $0.1500 | 2.00% |
| 2024-12-12 | $0.1500 | 2.00% |
| 2024-09-19 | $0.1000 | 1.33% |
| 2024-06-13 | $0.1000 | 1.33% |
Related companies: CBAN · CZNC · FNLC · FSBW · ISBA · JMSB · PCB
Explore sector: Financial Services · Banks - Regional
More sections of BCML: Financials · Valuation · Statistics · Estimates · Technical · Ownership · News · Events
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