BAYCOM CORP (BCML) Fundamental Analysis & Valuation

NASDAQ:BCML • US07272M1071

Current stock price

29.02 USD
-3.65 (-11.17%)
Last:

This BCML fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. BCML Profitability Analysis

1.1 Basic Checks

  • In the past year BCML was profitable.
  • In the past year BCML had a positive cash flow from operations.
  • BCML had positive earnings in each of the past 5 years.
  • BCML had a positive operating cash flow in each of the past 5 years.
BCML Yearly Net Income VS EBIT VS OCF VS FCFBCML Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

1.2 Ratios

  • BCML has a Return On Assets (0.92%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 7.07%, BCML is doing worse than 70.26% of the companies in the same industry.
Industry RankSector Rank
ROA 0.92%
ROE 7.07%
ROIC N/A
ROA(3y)0.96%
ROA(5y)0.94%
ROE(3y)7.7%
ROE(5y)7.69%
ROIC(3y)N/A
ROIC(5y)N/A
BCML Yearly ROA, ROE, ROICBCML Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of BCML (23.80%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BCML has grown nicely.
  • BCML does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 23.8%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.07%
PM growth 5Y8.64%
GM growth 3YN/A
GM growth 5YN/A
BCML Yearly Profit, Operating, Gross MarginsBCML Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20 25

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5

2. BCML Health Analysis

2.1 Basic Checks

  • BCML does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • BCML has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for BCML has been reduced compared to 5 years ago.
  • Compared to 1 year ago, BCML has an improved debt to assets ratio.
BCML Yearly Shares OutstandingBCML Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2M 4M 6M 8M 10M
BCML Yearly Total Debt VS Total AssetsBCML Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

2.2 Solvency

  • BCML has a debt to FCF ratio of 0.29. This is a very positive value and a sign of high solvency as it would only need 0.29 years to pay back of all of its debts.
  • The Debt to FCF ratio of BCML (0.29) is better than 86.32% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that BCML is not too dependend on debt financing.
  • BCML has a better Debt to Equity ratio (0.03) than 85.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.29
Altman-Z N/A
ROIC/WACCN/A
WACC15.54%
BCML Yearly LT Debt VS Equity VS FCFBCML Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
BCML Yearly Current Assets VS Current LiabilitesBCML Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

3. BCML Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.81% over the past year.
  • BCML shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 13.45% yearly.
  • BCML shows a small growth in Revenue. In the last year, the Revenue has grown by 3.10%.
  • The Revenue has been growing slightly by 2.91% on average over the past years.
EPS 1Y (TTM)3.81%
EPS 3Y2.07%
EPS 5Y13.45%
EPS Q2Q%14.55%
Revenue 1Y (TTM)3.1%
Revenue growth 3Y-0.74%
Revenue growth 5Y2.91%
Sales Q2Q%9.82%

3.2 Future

  • BCML is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 16.49% yearly.
  • The Revenue is expected to grow by 9.24% on average over the next years. This is quite good.
EPS Next Y24.69%
EPS Next 2Y16.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.39%
Revenue Next 2Y9.24%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
BCML Yearly Revenue VS EstimatesBCML Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 20M 40M 60M 80M 100M
BCML Yearly EPS VS EstimatesBCML Yearly EPS VS EstimatesYearly EPS VS Estimates 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0.5 1 1.5 2 2.5

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5

4. BCML Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 13.31, which indicates a correct valuation of BCML.
  • Compared to the rest of the industry, the Price/Earnings ratio of BCML indicates a slightly more expensive valuation: BCML is more expensive than 69.47% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of BCML to the average of the S&P500 Index (26.91), we can say BCML is valued rather cheaply.
  • With a Price/Forward Earnings ratio of 10.68, the valuation of BCML can be described as very reasonable.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCML.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 23.68, BCML is valued rather cheaply.
Industry RankSector Rank
PE 13.31
Fwd PE 10.68
BCML Price Earnings VS Forward Price EarningsBCML Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • BCML's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 10.5
EV/EBITDA N/A
BCML Per share dataBCML EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30

4.3 Compensation for Growth

  • BCML's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as BCML's earnings are expected to grow with 16.49% in the coming years.
PEG (NY)0.54
PEG (5Y)0.99
EPS Next 2Y16.49%
EPS Next 3YN/A

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. BCML Dividend Analysis

5.1 Amount

  • BCML has a Yearly Dividend Yield of 3.61%.
  • BCML's Dividend Yield is a higher than the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.89, BCML pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.61%

5.2 History

  • BCML has been paying a dividend for over 5 years, so it has already some track record.
  • BCML has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years3
Div Non Decr Years3
BCML Yearly Dividends per shareBCML Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • BCML pays out 27.58% of its income as dividend. This is a sustainable payout ratio.
DP27.58%
EPS Next 2Y16.49%
EPS Next 3YN/A
BCML Yearly Income VS Free CF VS DividendBCML Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M
BCML Dividend Payout.BCML Dividend Payout, showing the Payout Ratio.BCML Dividend Payout.PayoutRetained Earnings

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BCML Fundamentals: All Metrics, Ratios and Statistics

BAYCOM CORP

NASDAQ:BCML (4/10/2026, 10:29:58 AM)

29.02

-3.65 (-11.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-16
Inst Owners65.56%
Inst Owner Change0%
Ins Owners7.81%
Ins Owner Change-0.82%
Market Cap316.03M
Revenue(TTM)100.54M
Net Income(TTM)23.93M
Analysts80
Price Target33.66 (15.99%)
Short Float %0.97%
Short Ratio3.85
Dividend
Industry RankSector Rank
Dividend Yield 3.61%
Yearly Dividend0.6
Dividend Growth(5Y)N/A
DP27.58%
Div Incr Years3
Div Non Decr Years3
Ex-Date03-12
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-8.85%
Min EPS beat(2)-12.71%
Max EPS beat(2)-4.98%
EPS beat(4)1
Avg EPS beat(4)-4.54%
Min EPS beat(4)-12.71%
Max EPS beat(4)2.76%
EPS beat(8)4
Avg EPS beat(8)-1.96%
EPS beat(12)6
Avg EPS beat(12)-1.34%
EPS beat(16)7
Avg EPS beat(16)-2.65%
Revenue beat(2)0
Avg Revenue beat(2)-3.27%
Min Revenue beat(2)-5.3%
Max Revenue beat(2)-1.24%
Revenue beat(4)0
Avg Revenue beat(4)-3.65%
Min Revenue beat(4)-5.3%
Max Revenue beat(4)-1.24%
Revenue beat(8)0
Avg Revenue beat(8)-3.48%
Revenue beat(12)0
Avg Revenue beat(12)-3.43%
Revenue beat(16)3
Avg Revenue beat(16)-2.35%
PT rev (1m)1.54%
PT rev (3m)5.32%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.69%
EPS NY rev (1m)0%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.98%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.77%
Valuation
Industry RankSector Rank
PE 13.31
Fwd PE 10.68
P/S 3.14
P/FCF 10.5
P/OCF 9.93
P/B 0.93
P/tB 1.06
EV/EBITDA N/A
EPS(TTM)2.18
EY7.51%
EPS(NY)2.72
Fwd EY9.37%
FCF(TTM)2.76
FCFY9.52%
OCF(TTM)2.92
OCFY10.07%
SpS9.23
BVpS31.09
TBVpS27.36
PEG (NY)0.54
PEG (5Y)0.99
Graham Number39.05
Profitability
Industry RankSector Rank
ROA 0.92%
ROE 7.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.8%
GM N/A
FCFM 29.92%
ROA(3y)0.96%
ROA(5y)0.94%
ROE(3y)7.7%
ROE(5y)7.69%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y1.07%
PM growth 5Y8.64%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.29
Debt/EBITDA N/A
Cap/Depr 58.38%
Cap/Sales 1.74%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 125.72%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.54%
ROIC/WACCN/A
Cap/Depr(3y)60.7%
Cap/Depr(5y)47.4%
Cap/Sales(3y)1.84%
Cap/Sales(5y)1.58%
Profit Quality(3y)117.21%
Profit Quality(5y)111.86%
High Growth Momentum
Growth
EPS 1Y (TTM)3.81%
EPS 3Y2.07%
EPS 5Y13.45%
EPS Q2Q%14.55%
EPS Next Y24.69%
EPS Next 2Y16.49%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.1%
Revenue growth 3Y-0.74%
Revenue growth 5Y2.91%
Sales Q2Q%9.82%
Revenue Next Year13.39%
Revenue Next 2Y9.24%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y4.99%
FCF growth 3Y-8.11%
FCF growth 5Y34.72%
OCF growth 1Y4.86%
OCF growth 3Y-7.03%
OCF growth 5Y26.06%

BAYCOM CORP / BCML Fundamental Analysis FAQ

What is the fundamental rating for BCML stock?

ChartMill assigns a fundamental rating of 5 / 10 to BCML.


What is the valuation status of BAYCOM CORP (BCML) stock?

ChartMill assigns a valuation rating of 4 / 10 to BAYCOM CORP (BCML). This can be considered as Fairly Valued.


How profitable is BAYCOM CORP (BCML) stock?

BAYCOM CORP (BCML) has a profitability rating of 3 / 10.


What is the financial health of BAYCOM CORP (BCML) stock?

The financial health rating of BAYCOM CORP (BCML) is 5 / 10.


What is the earnings growth outlook for BAYCOM CORP?

The Earnings per Share (EPS) of BAYCOM CORP (BCML) is expected to grow by 24.69% in the next year.