Valuation dashboard for BayCom Corp (BCML) with P/E 25.06, P/B 0.98, EV/EBITDA 16.02 and dividend yield 3.99%. DCF, Graham Number and Earnings Power Value models plus sector comparison against other Financial Services companies.
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%.
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. A debt-to-equity below 1.0 typically signals conservative capital structure, while a current ratio above 1.5 indicates comfortable short-term liquidity.
Valuation Ratios
| P/E Ratio | 25.06 |
| Price / Book | 0.98 |
| EV / EBITDA | 16.02 |
| Dividend Yield | 3.99% |
Valuation Models
| DCF Fair Value | $21.46 |
| vs Current Price | -28.5% |
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
| Price | $30.03 |
| Market Cap | $328M |
| Exchange | NASDAQ |
| Country | US |
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% |
Related companies: CBAN · CZNC · FNLC · FSBW · ISBA · JMSB · PCB
Explore sector: Financial Services · Banks - Regional
More sections of BCML: Overview · Financials · Statistics · Estimates · Technical · Ownership · News · Events
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