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BAYCOM CORP (BCML) Stock Fundamental Analysis

NASDAQ:BCML - Nasdaq - US07272M1071 - Common Stock - Currency: USD

27.21  +0.22 (+0.82%)

After market: 27.21 0 (0%)

Fundamental Rating

4

BCML gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of BCML have multiple concerns. BCML has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year BCML was profitable.
In the past year BCML had a positive cash flow from operations.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M

1.2 Ratios

The Return On Assets of BCML (0.91%) is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 7.12%, BCML is doing worse than 60.71% of the companies in the same industry.
Industry RankSector Rank
ROA 0.91%
ROE 7.12%
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
BCML Yearly ROA, ROE, ROICBCML Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

BCML has a Profit Margin (24.07%) which is in line with its industry peers.
BCML's Profit Margin has improved in the last couple of years.
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) 24.07%
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
BCML Yearly Profit, Operating, Gross MarginsBCML Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20 25

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3

2. Health

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.
The debt/assets ratio for BCML has been reduced compared to a year ago.
BCML Yearly Shares OutstandingBCML Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 500M 1B 1.5B 2B 2.5B

2.2 Solvency

The Debt to FCF ratio of BCML is 2.14, which is a good value as it means it would take BCML, 2.14 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of BCML (2.14) is comparable to the rest of the industry.
BCML has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of BCML (0.22) is worse than 60.71% of its industry peers.
Even though the debt/equity ratio score it not favorable for BCML, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Altman-Z N/A
ROIC/WACCN/A
WACC15.12%
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 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 10M 20M 30M

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4

3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 2.83% over the past year.
BCML shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
BCML shows a decrease in Revenue. In the last year, the revenue decreased by -2.62%.
BCML shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.73% yearly.
EPS 1Y (TTM)2.83%
EPS 3Y3.21%
EPS 5Y6.96%
EPS Q2Q%16%
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y5.06%
Revenue growth 5Y4.73%
Sales Q2Q%3.88%

3.2 Future

The Earnings Per Share is expected to grow by 10.63% on average over the next years. This is quite good.
The Revenue is expected to grow by 5.71% on average over the next years.
EPS Next Y10.74%
EPS Next 2Y10.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year4.18%
Revenue Next 2Y5.71%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
BCML Yearly Revenue VS EstimatesBCML Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 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 0.5 1 1.5 2 2.5

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5

4. Valuation

4.1 Price/Earnings Ratio

BCML is valuated correctly with a Price/Earnings ratio of 12.48.
BCML's Price/Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Earnings ratio of 26.48, BCML is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.59, the valuation of BCML can be described as very reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of BCML is on the same level as its industry peers.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, BCML is valued rather cheaply.
Industry RankSector Rank
PE 12.48
Fwd PE 10.59
BCML Price Earnings VS Forward Price EarningsBCML Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

BCML's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCML is cheaper than 72.70% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.79
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.16
PEG (5Y)1.79
EPS Next 2Y10.63%
EPS Next 3YN/A

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.22%, BCML has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.50, BCML is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.40, BCML has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.22%

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
BCML Yearly Dividends per shareBCML Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.1 0.2 0.3 0.4 0.5

5.3 Sustainability

16.59% of the earnings are spent on dividend by BCML. This is a low number and sustainable payout ratio.
DP16.59%
EPS Next 2Y10.63%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M
BCML Dividend Payout.BCML Dividend Payout, showing the Payout Ratio.BCML Dividend Payout.PayoutRetained Earnings

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BAYCOM CORP

NASDAQ:BCML (8/8/2025, 8:20:32 PM)

After market: 27.21 0 (0%)

27.21

+0.22 (+0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-17 2025-07-17/amc
Earnings (Next)10-15 2025-10-15/amc
Inst Owners62.83%
Inst Owner Change0.58%
Ins Owners7.74%
Ins Owner Change-6.61%
Market Cap297.68M
Analysts82.22
Price Target29.58 (8.71%)
Short Float %0.87%
Short Ratio3.43
Dividend
Industry RankSector Rank
Dividend Yield 2.22%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP16.59%
Div Incr Years2
Div Non Decr Years2
Ex-Date06-12 2025-06-12 (0.2)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.25%
Min EPS beat(2)-3.23%
Max EPS beat(2)5.73%
EPS beat(4)3
Avg EPS beat(4)2.29%
Min EPS beat(4)-3.23%
Max EPS beat(4)5.73%
EPS beat(8)5
Avg EPS beat(8)0.74%
EPS beat(12)5
Avg EPS beat(12)-3.28%
EPS beat(16)9
Avg EPS beat(16)-0.56%
Revenue beat(2)0
Avg Revenue beat(2)-3.45%
Min Revenue beat(2)-4.55%
Max Revenue beat(2)-2.34%
Revenue beat(4)0
Avg Revenue beat(4)-3.02%
Min Revenue beat(4)-4.69%
Max Revenue beat(4)-0.52%
Revenue beat(8)0
Avg Revenue beat(8)-3.7%
Revenue beat(12)2
Avg Revenue beat(12)-2.95%
Revenue beat(16)6
Avg Revenue beat(16)0.77%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0.15%
EPS NY rev (3m)-1.01%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)1.78%
Revenue NY rev (3m)-0.38%
Valuation
Industry RankSector Rank
PE 12.48
Fwd PE 10.59
P/S 3.06
P/FCF 8.79
P/OCF 8.61
P/B 0.9
P/tB 1.03
EV/EBITDA N/A
EPS(TTM)2.18
EY8.01%
EPS(NY)2.57
Fwd EY9.45%
FCF(TTM)3.09
FCFY11.37%
OCF(TTM)3.16
OCFY11.61%
SpS8.9
BVpS30.1
TBVpS26.33
PEG (NY)1.16
PEG (5Y)1.79
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 7.12%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.07%
GM N/A
FCFM 34.77%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score5
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.22
Debt/FCF 2.14
Debt/EBITDA N/A
Cap/Depr 21.88%
Cap/Sales 0.72%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 144.43%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score5
WACC15.12%
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)2.83%
EPS 3Y3.21%
EPS 5Y6.96%
EPS Q2Q%16%
EPS Next Y10.74%
EPS Next 2Y10.63%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-2.62%
Revenue growth 3Y5.06%
Revenue growth 5Y4.73%
Sales Q2Q%3.88%
Revenue Next Year4.18%
Revenue Next 2Y5.71%
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 1Y-22.14%
FCF growth 3Y46.47%
FCF growth 5Y38.81%
OCF growth 1Y-22%
OCF growth 3Y42.78%
OCF growth 5Y34.25%