BAYCOM CORP (BCML) Fundamental Analysis & Valuation

NASDAQ:BCML • US07272M1071

28.75 USD
+0.05 (+0.17%)
At close: Mar 10, 2026
28.75 USD
0 (0%)
After Hours: 3/10/2026, 4:30:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Forecast Earnings Financials Ownership News

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

Fundamental Rating

5

BCML gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. The financial health of BCML is average, but there are quite some concerns on its profitability. BCML is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. BCML Profitability Analysis

1.1 Basic Checks

  • BCML had positive earnings in the past year.
  • 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 4 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's Return On Assets of 0.89% is in line compared to the rest of the industry. BCML outperforms 45.14% of its industry peers.
  • Looking at the Return On Equity, with a value of 6.94%, BCML is doing worse than 70.08% of the companies in the same industry.
Industry RankSector Rank
ROA 0.89%
ROE 6.94%
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

  • Looking at the Profit Margin, with a value of 23.59%, BCML is in line with its industry, outperforming 44.36% 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 RankSector Rank
OM N/A
PM (TTM) 23.59%
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.
  • Compared to 1 year ago, BCML has less shares outstanding
  • 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 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

  • The Debt to FCF ratio of BCML is 0.30, which is an excellent value as it means it would take BCML, only 0.30 years of fcf income to pay off all of its debts.
  • BCML has a Debt to FCF ratio of 0.30. This is amongst the best in the industry. BCML outperforms 84.51% of its industry peers.
  • A Debt/Equity ratio of 0.03 indicates that BCML is not too dependend on debt financing.
  • BCML's Debt to Equity ratio of 0.03 is amongst the best of the industry. BCML outperforms 85.04% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.3
Altman-Z N/A
ROIC/WACCN/A
WACC14.78%
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

  • BCML shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 3.81%.
  • Measured over the past years, BCML shows a quite strong growth in Earnings Per Share. The EPS has been growing by 13.45% on average per year.
  • Looking at the last year, BCML shows a small growth in Revenue. The Revenue has grown by 3.10% in the last year.
  • 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

  • The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
  • 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

  • BCML is valuated correctly with a Price/Earnings ratio of 13.19.
  • Based on the Price/Earnings ratio, BCML is valued a bit more expensive than the industry average as 63.52% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.45, BCML is valued rather cheaply.
  • The Price/Forward Earnings ratio is 10.58, which indicates a very decent valuation of BCML.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of BCML is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of BCML to the average of the S&P500 Index (24.65), we can say BCML is valued rather cheaply.
Industry RankSector Rank
PE 13.19
Fwd PE 10.58
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

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCML indicates a somewhat cheap valuation: BCML is cheaper than 60.89% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 10.83
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

  • The 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)0.53
PEG (5Y)0.98
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 3.60%. Purely for dividend investing, there may be better candidates out there.
  • BCML's Dividend Yield is a higher than the industry average which is at 2.86.
  • BCML's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 3.6%

5.2 History

  • BCML has been paying a dividend for over 5 years, so it has already some track record.
  • BCML has decreased its dividend in the last 3 years.
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 2026 0.2 0.4 0.6 0.8

5.3 Sustainability

  • 16.43% of the earnings are spent on dividend by BCML. This is a low number and sustainable payout ratio.
DP16.43%
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 (3/10/2026, 4:30:01 PM)

After market: 28.75 0 (0%)

28.75

+0.05 (+0.17%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners65.56%
Inst Owner Change-0.3%
Ins Owners7.81%
Ins Owner Change-0.82%
Market Cap313.09M
Revenue(TTM)100.54M
Net Income(TTM)23.19M
Analysts80
Price Target33.15 (15.3%)
Short Float %0.86%
Short Ratio3.82
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP16.43%
Div Incr Years2
Div Non Decr Years2
Ex-Date03-12
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)1.56%
PT rev (3m)3.72%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)2.3%
EPS NY rev (3m)3.16%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)2.77%
Revenue NY rev (3m)2.77%
Valuation
Industry RankSector Rank
PE 13.19
Fwd PE 10.58
P/S 3.18
P/FCF 10.83
P/OCF 10.11
P/B 0.94
P/tB 1.07
EV/EBITDA N/A
EPS(TTM)2.18
EY7.58%
EPS(NY)2.72
Fwd EY9.45%
FCF(TTM)2.66
FCFY9.24%
OCF(TTM)2.84
OCFY9.9%
SpS9.03
BVpS30.7
TBVpS26.95
PEG (NY)0.53
PEG (5Y)0.98
Graham Number38.8
Profitability
Industry RankSector 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)0.96%
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-Score7
Asset Turnover0.04
Health
Industry RankSector 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-Score7
WACC14.78%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
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 1Y4.33%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.65%
OCF growth 3YN/A
OCF growth 5YN/A

BAYCOM CORP / BCML FAQ

What is the fundamental rating for BCML stock?

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


Can you provide the valuation status for BAYCOM CORP?

ChartMill assigns a valuation rating of 5 / 10 to BAYCOM CORP (BCML). This can be considered as Fairly Valued.


What is the profitability of BCML stock?

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


How financially healthy is BAYCOM CORP?

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


How sustainable is the dividend of BAYCOM CORP (BCML) stock?

The dividend rating of BAYCOM CORP (BCML) is 5 / 10 and the dividend payout ratio is 16.43%.