31.94 USD
-0.77 (-2.35%)
31.94 USD
0 (0%)
Taking everything into account, BCML scores 4 out of 10 in our fundamental rating. BCML was compared to 388 industry peers in the Banks industry. The financial health of BCML is average, but there are quite some concerns on its profitability. While showing a medium growth rate, BCML is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
BCML had positive earnings in the past year.
BCML had a positive operating cash flow in the past year.
Each year in the past 5 years BCML has been profitable.
Each year in the past 5 years BCML had a positive operating cash flow.
1.2 Ratios
BCML has a Return On Assets of 0.89%. This is comparable to the rest of the industry: BCML outperforms 48.97% of its industry peers.
BCML's Return On Equity of 6.94% is on the low side compared to the rest of the industry. BCML is outperformed by 67.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 6.94% | ||
| ROIC | N/A |
ROA(3y)0.97%
ROA(5y)0.88%
ROE(3y)7.84%
ROE(5y)7.37%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of BCML (23.59%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of BCML has grown nicely.
The Operating Margin and Gross Margin are not available for BCML so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 23.59% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-0.54%
PM growth 5Y1.61%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
BCML does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for BCML has been reduced compared to 1 year ago.
Compared to 5 years ago, BCML has less shares outstanding
BCML has a better debt/assets ratio than last year.
2.2 Solvency
BCML has a debt to FCF ratio of 0.30. This is a very positive value and a sign of high solvency as it would only need 0.30 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.30, BCML belongs to the top of the industry, outperforming 83.76% of the companies in the same industry.
BCML has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
BCML's Debt to Equity ratio of 0.03 is amongst the best of the industry. BCML outperforms 84.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.31%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for BCML have decreased by 0.00% in the last year.
Measured over the past 5 years, BCML shows a small growth in Earnings Per Share. The EPS has been growing by 6.96% on average per year.
BCML shows a decrease in Revenue. In the last year, the revenue decreased by -1.75%.
The Revenue has been growing slightly by 4.73% on average over the past years.
EPS 1Y (TTM)0%
EPS 3Y3.21%
EPS 5Y6.96%
EPS Q2Q%-14.81%
Revenue 1Y (TTM)-1.75%
Revenue growth 3Y5.06%
Revenue growth 5Y4.73%
Sales Q2Q%2.38%
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 10.79% yearly.
The Revenue is expected to grow by 4.28% on average over the next years.
EPS Next Y6.86%
EPS Next 2Y12.02%
EPS Next 3Y10.79%
EPS Next 5YN/A
Revenue Next Year1.66%
Revenue Next 2Y5.91%
Revenue Next 3Y4.28%
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 15.21, 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 67.27% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of BCML to the average of the S&P500 Index (26.39), we can say BCML is valued slightly cheaper.
With a Price/Forward Earnings ratio of 12.12, BCML is valued correctly.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCML indicates a slightly more expensive valuation: BCML is more expensive than 62.37% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of BCML to the average of the S&P500 Index (23.84), we can say BCML is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.21 | ||
| Fwd PE | 12.12 |
4.2 Price Multiples
BCML's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.04 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates BCML does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.22
PEG (5Y)2.18
EPS Next 2Y12.02%
EPS Next 3Y10.79%
5. Dividend
5.1 Amount
BCML has a Yearly Dividend Yield of 2.75%. Purely for dividend investing, there may be better candidates out there.
BCML's Dividend Yield is comparable with the industry average which is at 2.74.
Compared to an average S&P500 Dividend Yield of 1.87, BCML pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
5.2 History
BCML has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years2
Div Non Decr Years2
5.3 Sustainability
BCML pays out 16.43% of its income as dividend. This is a sustainable payout ratio.
DP16.43%
EPS Next 2Y12.02%
EPS Next 3Y10.79%
31.94
-0.77 (-2.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.73%
Inst Owner Change2.19%
Ins Owners7.53%
Ins Owner Change-1.74%
Market Cap348.15M
Revenue(TTM)98.31M
Net Income(TTM)23.19M
Analysts82.22
Price Target31.96 (0.06%)
Short Float %0.98%
Short Ratio5.59
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.75% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP16.43%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-4.97%
Min EPS beat(2)-12.71%
Max EPS beat(2)2.76%
EPS beat(4)2
Avg EPS beat(4)-1.86%
Min EPS beat(4)-12.71%
Max EPS beat(4)5.73%
EPS beat(8)4
Avg EPS beat(8)-2.01%
EPS beat(12)6
Avg EPS beat(12)-0.95%
EPS beat(16)8
Avg EPS beat(16)-2.29%
Revenue beat(2)0
Avg Revenue beat(2)-4.41%
Min Revenue beat(2)-5.3%
Max Revenue beat(2)-3.52%
Revenue beat(4)0
Avg Revenue beat(4)-3.93%
Min Revenue beat(4)-5.3%
Max Revenue beat(4)-2.34%
Revenue beat(8)0
Avg Revenue beat(8)-3.87%
Revenue beat(12)1
Avg Revenue beat(12)-3.02%
Revenue beat(16)4
Avg Revenue beat(16)-1.2%
PT rev (1m)0%
PT rev (3m)1.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-4.41%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.64%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.21 | ||
| Fwd PE | 12.12 | ||
| P/S | 3.54 | ||
| P/FCF | 12.04 | ||
| P/OCF | 11.24 | ||
| P/B | 1.04 | ||
| P/tB | 1.19 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.1
EY6.57%
EPS(NY)2.63
Fwd EY8.25%
FCF(TTM)2.65
FCFY8.31%
OCF(TTM)2.84
OCFY8.9%
SpS9.02
BVpS30.67
TBVpS26.93
PEG (NY)2.22
PEG (5Y)2.18
Graham Number38.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 6.94% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 23.59% | ||
| GM | N/A | ||
| FCFM | 29.41% |
ROA(3y)0.97%
ROA(5y)0.88%
ROE(3y)7.84%
ROE(5y)7.37%
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 3Y-0.54%
PM growth 5Y1.61%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.3 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 51.37% | ||
| Cap/Sales | 2.1% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 124.67% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score6
WACC14.31%
ROIC/WACCN/A
Cap/Depr(3y)48.2%
Cap/Depr(5y)53.18%
Cap/Sales(3y)1.53%
Cap/Sales(5y)1.97%
Profit Quality(3y)129.84%
Profit Quality(5y)96.61%
High Growth Momentum
Growth
EPS 1Y (TTM)0%
EPS 3Y3.21%
EPS 5Y6.96%
EPS Q2Q%-14.81%
EPS Next Y6.86%
EPS Next 2Y12.02%
EPS Next 3Y10.79%
EPS Next 5YN/A
Revenue 1Y (TTM)-1.75%
Revenue growth 3Y5.06%
Revenue growth 5Y4.73%
Sales Q2Q%2.38%
Revenue Next Year1.66%
Revenue Next 2Y5.91%
Revenue Next 3Y4.28%
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 1Y-22.5%
FCF growth 3Y46.47%
FCF growth 5Y38.81%
OCF growth 1Y-18.98%
OCF growth 3Y42.78%
OCF growth 5Y34.25%
BAYCOM CORP / BCML FAQ
What is the fundamental rating for BCML stock?
ChartMill assigns a fundamental rating of 4 / 10 to BCML.
What is the valuation status for BCML stock?
ChartMill assigns a valuation rating of 2 / 10 to BAYCOM CORP (BCML). This can be considered as Overvalued.
What is the profitability of BCML stock?
BAYCOM CORP (BCML) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for BCML stock?
The Price/Earnings (PE) ratio for BAYCOM CORP (BCML) is 15.21 and the Price/Book (PB) ratio is 1.04.
Can you provide the expected EPS growth for BCML stock?
The Earnings per Share (EPS) of BAYCOM CORP (BCML) is expected to grow by 6.86% in the next year.