BayCom (BCML) Stock Price, News & Analysis

Company Overview

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 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, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, 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.

Key Stats

• Today's Range: $25.15 to $26.48
• 50-Day Range: $24.08 to $27.80
• 52-Week Range: $18.54 to $30.13
• Volume: 56,285 shs
• Average Volume: 24,304 shs
• Market Capitalization: $287.93 million
• P/E Ratio: 12.32
• Dividend Yield: 2.32%
• Price Target: $31.00
• Consensus Rating: Hold

BayCom Stock Analysis - MarketRank™

BayCom scored higher than 83% of companies evaluated by MarketBeat, and ranked 189th out of 949 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.0 / 5
• Analyst Rating: Hold

Consensus Rating

BayCom has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 1 hold rating, and no sell ratings.

Amount of Analyst Coverage

BayCom has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 2.5 / 5
• Proj. Earnings Growth: 2.02%

Earnings Growth

Earnings for BayCom are expected to grow by 2.02% in the coming year, from $2.48 to $2.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of BayCom is 12.32, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 21.75.

Price to Earnings Ratio vs. Sector

The P/E ratio of BayCom is 12.32, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 21.97.

Price to Book Value per Share Ratio

BayCom has a P/B Ratio of 0.96. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.73% of the float of BayCom has been sold short.

Short Interest Ratio / Days to Cover

BayCom has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BayCom has recently increased by 22.17%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

BayCom pays a meaningful dividend of 2.24%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

BayCom does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of BayCom is 28.57%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, BayCom will have a dividend payout ratio of 23.72% next year. This indicates that BayCom will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.72

Percentage of Shares Shorted

0.73% of the float of BayCom has been sold short.

Short Interest Ratio / Days to Cover

BayCom has a short interest ratio ("days to cover") of 3.3, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in BayCom has recently increased by 22.17%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 1.9 / 5
• News Sentiment: 0.39

News Sentiment

BayCom has a news sentiment score of 0.39. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.90 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 15 news articles for BayCom this week, compared to 1 article on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, BayCom insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $742,500.00 in company stock.

Percentage Held by Insiders

Only 7.20% of the stock of BayCom is held by insiders.

Percentage Held by Institutions

66.16% of the stock of BayCom is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BCML Stock Analysis - Frequently Asked Questions

How have BCML shares performed this year?

BayCom's stock was trading at $26.84 at the beginning of the year. Since then, BCML shares have decreased by 3.6% and is now trading at $25.87.
View the best growth stocks for 2025 here.

How were BayCom's earnings last quarter?

BayCom Corp (NASDAQ:BCML) released its quarterly earnings data on Thursday, April, 17th. The company reported $0.51 EPS for the quarter, missing analysts' consensus estimates of $0.52 by $0.01. The firm had revenue of $32.65 million for the quarter, compared to the consensus estimate of $24.07 million. BayCom had a trailing twelve-month return on equity of 7.45% and a net margin of 17.10%.

When did BayCom IPO?

BayCom (BCML) raised $51 million in an initial public offering (IPO) on Friday, May 4th 2018. The company issued 2,300,000 shares at a price of $21.00-$23.00 per share. FIG Partners and D.A. Davidson served as the underwriters for the IPO.

Who are BayCom's major shareholders?

BayCom's top institutional shareholders include Caldwell Sutter Capital Inc. (0.74%), Rhumbline Advisers (0.14%) and GAMMA Investing LLC (0.05%). Insiders that own company stock include Robert G Laverne and George J Guarini.
View institutional ownership trends.

How do I buy shares of BayCom?

Shares of BCML stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of BayCom own?

Based on aggregate information from My MarketBeat watchlists, some other companies that BayCom investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), ServiceNow (NOW), Adobe (ADBE) and Arista Networks (ANET).

Company Calendar

• Record date for 4/10 Dividend: 3/13/2025
• Ex-Dividend for 4/10 Dividend: 3/13/2025
• Dividend Payable: 4/10/2025
• Last Earnings: 4/17/2025
• Today: 4/28/2025
• Next Earnings (Estimated): 7/17/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BCML
• CIK: 1730984
• Web: www.baycommercialbank.com
• Phone: (925) 476-1800
• Fax: N/A
• Employees: 370
• Year Founded: N/A

Price Target and Rating

• Average Stock Price Target: $31.00
• High Stock Price Target: $31.00
• Low Stock Price Target: $31.00
• Potential Upside/Downside: +19.2%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 1 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $2.10
• Trailing P/E Ratio: 12.39
• Forward P/E Ratio: 10.49
• P/E Growth: N/A
• Net Income: $23.61 million
• Net Margins: 17.10%
• Pretax Margin: 23.67%
• Return on Equity: 7.45%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 1.04
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $97.00 million
• Price / Sales: 2.98
• Cash Flow: $2.50 per share
• Price / Cash Flow: 10.39
• Book Value: $27.08 per share
• Price / Book: 0.96

Miscellaneous

• Outstanding Shares: 11,130,000
• Free Float: 10,320,000
• Market Cap: $289.49 million
• Optionable: Optionable
• Beta: 0.50