_id

690db5e2ccc777a4e85d0dec

Ticker

BCML

Name

BayCom Corp

Exchange

NASDAQ

Address

500 Ygnacio Valley Road, Walnut Creek, CA, United States, 94596

Country

USA

Sector

Financial Services

Industry

Banks - Regional

Currency

USD

Website

https://www.unitedbusinessbank.com

Description

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.

Last Close

30.8

Volume

17733

Current Price

32.78

Change

6.42857142857143

Last Updated

2025-11-28T12:45:57.558Z

Image

-

Ipo Date

2004-08-09T00:00:00.000Z

Market Cap

322686816

Next Dividend Date

2026-01-09T00:00:00.000Z

Dividend Frequency

Quarterly

Dividend Rate

0.3

Dividend Yield

3.6607687614399023

Sentiment

0.87

Sentiment Sources

1

Rating

4.3333

Target Price

31.3333

Strong Buy

2

Buy

0

Hold

1

Sell

0

Strong Sell

0

Current Quarter

2025-09-30

Revenue

37543000

Cost Of Revenue

14514000

Gross Profit

23029000

Operating Expenses

16291000

Operating Income

6738000

Interest Expense

11541000

Pretax Income

6738000

Net Income

5007000

Eps

0.45810624350227025

Dividends Per Share

2201000

Shares Outstanding

10897763

Income Tax Expense

1731000

EBITDA

8474000

Operating Margin

17.947420291399197

Total Other Income Expense Net

-

Cash

21731000

Short Term Investments

2058000

Receivables

24720000

Inventories

-

Total Current Assets

51037000

Property Plant Equipment

27053000

Total Assets

2603787000

Payables

2855000

Short Term Debt

972000

Long Term Debt

8706000

Total Liabilities

2269518000

Equity

334269000

Depreciation

-1472000

Change In Working Capital

1063000

Cash From Operations

7345000

Capital Expenditures

1116000

Cash From Investing

-44146000

Cash From Financing

-26377000

Net Change In Cash

-63178000

PE

14.0667

PB

1.0718258516942942

ROE

1.4978954075908923

ROA

0.1922968353402179

FCF

6229000

Fcf Percent

0.1659164158431665

Piotroski FScore

4

Health Score

49

Deep Value Investing Score

6.5

Defensive Investing Score

8.5

Dividend Investing Score

4

Economic Moat Investing Score

6.8

Garp Investing Score

3

Growth Investing Score

3.5

Momentum Investing Score

4.5

Net Net Investing Score

2.5

Quality Investing Score

4.5

Value Investing Score

6.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

37543000

Quarters > 0 > income Statement > cost Of Revenue

14514000

Quarters > 0 > income Statement > gross Profit

23029000

Quarters > 0 > income Statement > operating Expenses

16291000

Quarters > 0 > income Statement > operating Income

6738000

Quarters > 0 > income Statement > interest Expense

11541000

Quarters > 0 > income Statement > pretax Income

6738000

Quarters > 0 > income Statement > net Income

5007000

Quarters > 0 > income Statement > eps

0.45810624350227025

Quarters > 0 > income Statement > dividends Per Share

2201000

Quarters > 0 > income Statement > shares Outstanding

10929779

Quarters > 0 > income Statement > income Tax Expense

1731000

Quarters > 0 > income Statement > EBITDA

8474000

Quarters > 0 > income Statement > operating Margin

17.947420291399197

Quarters > 0 > income Statement > total Other Income Expense Net

-

Quarters > 0 > balance Sheet > cash

21731000

Quarters > 0 > balance Sheet > short Term Investments

2058000

Quarters > 0 > balance Sheet > receivables

24720000

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

51037000

Quarters > 0 > balance Sheet > property Plant Equipment

27053000

Quarters > 0 > balance Sheet > total Assets

2603787000

Quarters > 0 > balance Sheet > payables

2855000

Quarters > 0 > balance Sheet > short Term Debt

972000

Quarters > 0 > balance Sheet > long Term Debt

8706000

Quarters > 0 > balance Sheet > total Liabilities

2269518000

Quarters > 0 > balance Sheet > equity

334269000

Quarters > 0 > cash Flow > net Income

-5593000

Quarters > 0 > cash Flow > depreciation

-1472000

Quarters > 0 > cash Flow > change In Working Capital

1063000

Quarters > 0 > cash Flow > cash From Operations

7345000

Quarters > 0 > cash Flow > capital Expenditures

1116000

Quarters > 0 > cash Flow > cash From Investing

-44146000

Quarters > 0 > cash Flow > cash From Financing

-26377000

Quarters > 0 > cash Flow > net Change In Cash

-63178000

Quarters > 0 > ratios > PE

0.45810624350227025

Quarters > 0 > ratios > PB

1.0718258516942942

Quarters > 0 > ratios > ROE

1.4978954075908923

Quarters > 0 > ratios > ROA

0.1922968353402179

Quarters > 0 > ratios > FCF

6229000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.1659164158431665

Quarters > 0 > health Score

49

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

34966000

Quarters > 1 > income Statement > cost Of Revenue

10496000

Quarters > 1 > income Statement > gross Profit

24470000

Quarters > 1 > income Statement > operating Expenses

15754000

Quarters > 1 > income Statement > operating Income

8716000

Quarters > 1 > income Statement > interest Expense

10293000

Quarters > 1 > income Statement > pretax Income

8716000

Quarters > 1 > income Statement > net Income

6364000

Quarters > 1 > income Statement > eps

0.578389447137304

Quarters > 1 > income Statement > dividends Per Share

0

Quarters > 1 > income Statement > shares Outstanding

11002967

Quarters > 1 > income Statement > income Tax Expense

2352000

Quarters > 1 > income Statement > EBITDA

9455000

Quarters > 1 > income Statement > operating Margin

24.927072012812445

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

21764000

Quarters > 1 > balance Sheet > short Term Investments

184682000

Quarters > 1 > balance Sheet > receivables

25183000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

206446000

Quarters > 1 > balance Sheet > property Plant Equipment

26770000

Quarters > 1 > balance Sheet > total Assets

2622379000

Quarters > 1 > balance Sheet > payables

3702000

Quarters > 1 > balance Sheet > short Term Debt

-

Quarters > 1 > balance Sheet > long Term Debt

72507000

Quarters > 1 > balance Sheet > total Liabilities

2291817000

Quarters > 1 > balance Sheet > equity

330562000

Quarters > 1 > cash Flow > net Income

6364000

Quarters > 1 > cash Flow > depreciation

739000

Quarters > 1 > cash Flow > change In Working Capital

-1172000

Quarters > 1 > cash Flow > cash From Operations

6368000

Quarters > 1 > cash Flow > capital Expenditures

749000

Quarters > 1 > cash Flow > cash From Investing

-25216000

Quarters > 1 > cash Flow > cash From Financing

53923000

Quarters > 1 > cash Flow > net Change In Cash

35075000

Quarters > 1 > ratios > PE

0.578389447137304

Quarters > 1 > ratios > PB

1.091103206841682

Quarters > 1 > ratios > ROE

1.9252061640478941

Quarters > 1 > ratios > ROA

0.2426804058452268

Quarters > 1 > ratios > FCF

5619000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.16069896470857403

Quarters > 1 > health Score

49

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

34098000

Quarters > 2 > income Statement > cost Of Revenue

10408000

Quarters > 2 > income Statement > gross Profit

23690000

Quarters > 2 > income Statement > operating Expenses

16001000

Quarters > 2 > income Statement > operating Income

7689000

Quarters > 2 > income Statement > interest Expense

9766000

Quarters > 2 > income Statement > pretax Income

7689000

Quarters > 2 > income Statement > net Income

5702000

Quarters > 2 > income Statement > eps

0.5120303791521201

Quarters > 2 > income Statement > dividends Per Share

1669000

Quarters > 2 > income Statement > shares Outstanding

11136058

Quarters > 2 > income Statement > income Tax Expense

1987000

Quarters > 2 > income Statement > EBITDA

8422000

Quarters > 2 > income Statement > operating Margin

22.549709660390636

Quarters > 2 > income Statement > total Other Income Expense Net

-

Quarters > 2 > balance Sheet > cash

21037000

Quarters > 2 > balance Sheet > short Term Investments

2043000

Quarters > 2 > balance Sheet > receivables

25895000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

50808000

Quarters > 2 > balance Sheet > property Plant Equipment

27222000

Quarters > 2 > balance Sheet > total Assets

2563798000

Quarters > 2 > balance Sheet > payables

3024000

Quarters > 2 > balance Sheet > short Term Debt

3002000

Quarters > 2 > balance Sheet > long Term Debt

72444000

Quarters > 2 > balance Sheet > total Liabilities

2234461000

Quarters > 2 > balance Sheet > equity

329337000

Quarters > 2 > cash Flow > net Income

5702000

Quarters > 2 > cash Flow > depreciation

733000

Quarters > 2 > cash Flow > change In Working Capital

109000

Quarters > 2 > cash Flow > cash From Operations

9280000

Quarters > 2 > cash Flow > capital Expenditures

143000

Quarters > 2 > cash Flow > cash From Investing

-8609000

Quarters > 2 > cash Flow > cash From Financing

-108154000

Quarters > 2 > cash Flow > net Change In Cash

-107483000

Quarters > 2 > ratios > PE

0.5120303791521201

Quarters > 2 > ratios > PB

1.1084086550858239

Quarters > 2 > ratios > ROE

1.7313572419740266

Quarters > 2 > ratios > ROA

0.22240441719667461

Quarters > 2 > ratios > FCF

9137000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.26796293037714825

Quarters > 2 > health Score

53

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

34126000

Quarters > 3 > income Statement > cost Of Revenue

10157000

Quarters > 3 > income Statement > gross Profit

23969000

Quarters > 3 > income Statement > operating Expenses

15881000

Quarters > 3 > income Statement > operating Income

8088000

Quarters > 3 > income Statement > interest Expense

10560000

Quarters > 3 > income Statement > pretax Income

8088000

Quarters > 3 > income Statement > net Income

6120000

Quarters > 3 > income Statement > eps

0.550164581914472

Quarters > 3 > income Statement > dividends Per Share

59000

Quarters > 3 > income Statement > shares Outstanding

11123944

Quarters > 3 > income Statement > income Tax Expense

1968000

Quarters > 3 > income Statement > EBITDA

8902000

Quarters > 3 > income Statement > operating Margin

23.70040438375432

Quarters > 3 > income Statement > total Other Income Expense Net

8088000

Quarters > 3 > balance Sheet > cash

23387000

Quarters > 3 > balance Sheet > short Term Investments

1993000

Quarters > 3 > balance Sheet > receivables

28578000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

55900000

Quarters > 3 > balance Sheet > property Plant Equipment

26769000

Quarters > 3 > balance Sheet > total Assets

2664508000

Quarters > 3 > balance Sheet > payables

-

Quarters > 3 > balance Sheet > short Term Debt

3897000

Quarters > 3 > balance Sheet > long Term Debt

72381000

Quarters > 3 > balance Sheet > total Liabilities

2340142000

Quarters > 3 > balance Sheet > equity

324366000

Quarters > 3 > cash Flow > net Income

6120000

Quarters > 3 > cash Flow > depreciation

814000

Quarters > 3 > cash Flow > change In Working Capital

2591000

Quarters > 3 > cash Flow > cash From Operations

7988000

Quarters > 3 > cash Flow > capital Expenditures

58000

Quarters > 3 > cash Flow > cash From Investing

-42833000

Quarters > 3 > cash Flow > cash From Financing

97593000

Quarters > 3 > cash Flow > net Change In Cash

62748000

Quarters > 3 > ratios > PE

0.550164581914472

Quarters > 3 > ratios > PB

1.1241711039998028

Quarters > 3 > ratios > ROE

1.8867575516546122

Quarters > 3 > ratios > ROA

0.229685930760951

Quarters > 3 > ratios > FCF

7930000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.23237414288225985

Quarters > 3 > health Score

53

Valuation > metrics > PE

14.0667

Valuation > metrics > PB

1.0718258516942942

Valuation > final Score

100

Valuation > verdict

Fair

Profitability > metrics > ROE

1.4978954075908923

Profitability > metrics > ROA

9.810529615768953

Profitability > metrics > Net Margin

0.13336707242362092

Profitability > final Score

52

Profitability > verdict

Weak

Risk > metrics > Debt Equity

6.789495885050663

Risk > metrics > Interest Coverage

0.5838315570574474

Risk > final Score

8

Risk > verdict

High

Liquidity > metrics > Current Ratio

13.336033446563889

Liquidity > metrics > Quick Ratio

13.336033446563889

Liquidity > final Score

100

Liquidity > verdict

Great

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

40

Prev Profitabilities > 1

59

Prev Profitabilities > 2

61

Prev Risks > 0

9

Prev Risks > 1

9

Prev Risks > 2

9

Prev Liquidities > 0

100

Prev Liquidities > 1

100

Prev Liquidities > 2

100

Updated At

2025-12-14T00:16:04.796Z