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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 Framework: Banks & Lenders Small Cap
BayCom Corp (BCML), is a Small Cap company, in the Banks - Regional industry, last closed at $30.53, about 4.3% undervalued vs fair value, +12.0% 1Y return, ranked 720/1078 in sector.
Metrics P/E 13.5× Rev Growth 4.4% ROE 7.2% Gross Margin 95.8% Div Yield 2.06%
USD 30.53
0.26%
(Delayed)
• Vol 90d: 22.7%
52-Week Range
Market Cap
$331.14M
Enterprise Value
$340.27M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Fair
Valuation
Fair
Completeness: 100%
Confidence: 97%
Updated: Oct 31
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jan 21 Estimated

Fair Value Snapshot

Bear Base Bull
$18
$32
$60
Current: $30.53 +4% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$133.8M
2.8%%
Interest Expense
$40.9M
Net Interest Income
$92.9M
3.7%%
Total Revenue
$101.4M
4.4%%
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
7.1%
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

$13.5M
56.4% 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
59
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Strong Capital Position Capital position is strong (score 0.90), exceeding regulatory minimums.

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.35).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
59
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BCML's balance between Growth (15.1%), Profitability (30.0%), and Safety (54.9%). Growth 15% Safety 55% Profitability 30%

Click axes to expand details. Marker shows current allocation.

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Growth

22th percentile vs peers
22
Key Signals
NII Growth YoY 3.7% 27p EPS Growth YoY 3.9% 28p Equity Growth YoY 4.4% 28p Asset Growth YoY -2.7% 9p
Strengths
  • D/E Ratio in top 20% of peers (6.6%, 90th percentile)
  • Debt/Assets in top 20% of peers (0.9%, 90th percentile)
  • Conservative leverage compared to industry peers
Risks
  • Asset Growth YoY in bottom 20% of peers (-2.7%)
  • Growth below peer median (percentile: 22)

Profitability

43th percentile vs peers
44
Key Signals
Strengths
Risks
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Safety

80th percentile vs peers
80
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:

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  • 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
$31.83
- - -
+4.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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