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Company Analysis

BayCom Corp BCML

A comprehensive view of key metrics, scores, and financial health for BayCom Corp

Overview of BayCom Corp

BCML NMS
Financial Services Banks - Regional Small Cap
BayCom Corp (BCML), is a Small Cap company, in the Banks - Regional industry, last closed at $29.01, about 9.5% undervalued vs fair value, +15.5% 1Y return, ranked 499/1004 in sector.
$29.01
0.35%
As of March 13, 2026
Previous close • Vol 90d: 27.0%
52-Week Range
Market Cap
$316.14M
Enterprise Value
$330.46M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.unitedbusinessbank...
HQ Walnut Creek, CA
Employees 327
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$18
$32
$59
Current: $29.01 +10% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$130.1M
4.2%%
Interest Expense
$40.9M
Net Interest Income
$89.6M
-7.1%%
Total Revenue
$141.8M
46%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
7.3%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$12.6M
53.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating BayCom Corp's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
63
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BCML's balance between Growth (23.9%), Profitability (38.6%), and Safety (37.6%). Growth 24% Safety 38% Profitability 39%

Click axes to expand details. Marker shows current allocation.

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Growth

27th percentile vs peers
27
Key Signals
Rev Growth YoY 46.0% 39p Revenue CAGR 3Y 12.0% 27p Asset Growth YoY -2.7% 10p
Strengths

No notable strengths identified for this axis.

Risks
  • Asset Growth Yoy in bottom 20% of peers (-2.7%)
  • Growth below peer median (percentile: 27)

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

42th percentile vs peers
43
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for BayCom Corp.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$31.76
- - -
+9.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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