BayCom Corp (BCML) AI Stock Analysis

Established in 2004 and headquartered in Walnut Creek, California, BayCom Corp is a bank holding company overseeing United Business Bank. The institution primarily serves small and mid-sized businesses, service professionals, and individuals through 33 full-service banking branches in Northern and Southern California, Denver, and Central New Mexico. Its deposit offerings include demand deposits, savings accounts, money market accounts, and time deposits. Lending operations span commercial real estate loans, multifamily real estate loans, commercial and industrial loans, small business administration loans, construction and land loans, agriculture-related loans, and consumer loans. It also provides online and mobile banking, automated teller machines, remote deposit capture, and treasury management services.

BayCom Corp expanded revenue from $92.8M in FY2021 to $141.8M in FY2025, recording a 5-year revenue CAGR of 8.2%. Net income grew from $20.7M in FY2021 to $23.9M in FY2025, while EPS increased from $1.91 to $2.18 over the same period. Operating margin compressed from 30.7% in FY2021 to 23.2% in FY2025, and gross margin declined from 90.0% to 68.4%. Over the trailing twelve months ended June 30, 2026, revenue was $95.7M, with an operating margin of 16.6% and a net profit margin of 13.7%. In the latest quarter, revenue declined 18.4% year-over-year, while quarterly earnings grew 47.0%.

As of June 30, 2026, BayCom Corp held $204.5M in cash and short-term investments against $46.6M in total debt, resulting in net cash of $157.9M. Total assets stood at $2.58B alongside shareholders' equity of $335.4M. The company reported a current ratio of 10.96 and a debt-to-equity ratio of 0.14. In FY2025, the business generated $31.8M in operating cash flow and $30.1M in free cash flow. Capital allocation in FY2025 included $1.7M for capital expenditures, $6.9M for share buybacks, and $6.6M in dividends paid.

BayCom Corp carries a market capitalization of $340.2M and an enterprise value of $207.1M. It trades at a trailing P/E of 26.0x, above the 12.1x median of its US-listed Financial Services peers. However, its forward P/E of 11.9x is closer to the peer group median of 10.8x, and its PEG ratio is 0.99. Price-to-sales stands at 3.6x compared to the sector median of 3.2x, while price-to-book is 1.0x. Over the past year, BCML returned 19.4%, outperforming the S&P 500 (SPY) return of 16.8%, and over five years returned 88.7% versus 83.0% for the index.

BayCom Corp pays a quarterly dividend with an annual forward payout of $1.20 per share, delivering a dividend yield of 3.86%. Its payout ratio is 55.6%, and the company has paid dividends for 5 consecutive years. The most recent ex-dividend date was September 10, 2026.

Wall Street coverage consists of 1 Strong Buy and 3 Hold ratings. The mean price target is $32.75, representing a 5.1% premium to the last close of $31.15. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $100.2M and EPS of $1.86, an expected EPS decline of 14.4%. For FY2027, four analysts project revenue of $104.8M and EPS of $2.42. Over the last four quarters, the company beat EPS estimates once. The next earnings release date is October 22, 2026.

This page is an AI-written research summary of BayCom Corp (BCML). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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