29.46 USD
-0.13 (-0.44%)
Taking everything into account, BCML scores 4 out of 10 in our fundamental rating. BCML was compared to 387 industry peers in the Banks industry. While BCML seems to be doing ok healthwise, 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
In the past year BCML was profitable.
BCML had a positive operating cash flow in the past year.
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.
1.2 Ratios
BCML has a Return On Assets (0.89%) which is comparable to the rest of the industry.
BCML's Return On Equity of 6.94% is on the low side compared to the rest of the industry. BCML is outperformed by 67.44% 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
Looking at the Profit Margin, with a value of 23.59%, BCML is in line with its industry, outperforming 45.99% of the companies in the same 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 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.
BCML has less shares outstanding than it did 1 year ago.
BCML has less shares outstanding than it did 5 years ago.
The debt/assets ratio for BCML has been reduced compared to a year ago.
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.
BCML has a Debt to FCF ratio of 0.30. This is amongst the best in the industry. BCML outperforms 83.46% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that BCML is not too dependend on debt financing.
The Debt to Equity ratio of BCML (0.03) is better than 84.50% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.3 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BCML shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by 0.00%.
The Earnings Per Share has been growing slightly by 6.96% on average over the past years.
Looking at the last year, BCML shows a decrease in Revenue. The Revenue has decreased by -1.75% in the last year.
BCML shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.73% yearly.
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.
Based on estimates for the next years, BCML will show a small growth in Revenue. The Revenue will grow by 4.28% on average per year.
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
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 stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 14.03, the valuation of BCML can be described as correct.
Based on the Price/Earnings ratio, BCML is valued a bit more expensive than the industry average as 62.27% of the companies are valued more cheaply.
When comparing the Price/Earnings ratio of BCML to the average of the S&P500 Index (26.34), we can say BCML is valued slightly cheaper.
A Price/Forward Earnings ratio of 11.18 indicates a reasonable valuation of BCML.
BCML's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of BCML to the average of the S&P500 Index (23.56), we can say BCML is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.03 | ||
| Fwd PE | 11.18 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCML is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.11 | ||
| 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)2.05
PEG (5Y)2.02
EPS Next 2Y12.02%
EPS Next 3Y10.79%
5. Dividend
5.1 Amount
BCML has a Yearly Dividend Yield of 3.03%.
Compared to an average industry Dividend Yield of 3.11, BCML has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, BCML pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
5.2 History
BCML has paid a dividend for less than 5 years, so there is no long track record yet.
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%
NASDAQ:BCML (12/9/2025, 11:46:34 AM)
29.46
-0.13 (-0.44%)
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 Cap321.11M
Revenue(TTM)98.31M
Net Income(TTM)23.19M
Analysts82.22
Price Target31.96 (8.49%)
Short Float %0.94%
Short Ratio6.12
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.03% |
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)-4.7%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.03 | ||
| Fwd PE | 11.18 | ||
| P/S | 3.27 | ||
| P/FCF | 11.11 | ||
| P/OCF | 10.36 | ||
| P/B | 0.96 | ||
| P/tB | 1.09 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.1
EY7.13%
EPS(NY)2.63
Fwd EY8.94%
FCF(TTM)2.65
FCFY9%
OCF(TTM)2.84
OCFY9.65%
SpS9.02
BVpS30.67
TBVpS26.93
PEG (NY)2.05
PEG (5Y)2.02
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
WACC14.65%
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 3 / 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 14.03 and the Price/Book (PB) ratio is 0.96.
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.