BAYCOM CORP(NASDAQ:BCML) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to BCML. BCML was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of BCML have multiple concerns. BCML is not valued too expensively and it also shows a decent growth rate.

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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.

BCML had positive earnings in each of the past 5 years.

In the past 5 years BCML always reported a positive cash flow from operatings.

1.2 Ratios

BCML has a Return On Assets (0.89%) which is in line with its industry peers.

The Return On Equity of BCML (7.28%) is worse than 60.05% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.89%
ROE	7.28%
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

BCML has a Profit Margin of 24.22%. This is comparable to the rest of the industry: BCML outperforms 54.27% of its industry peers.

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)	24.22%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

The Debt to FCF ratio of BCML is 2.53, which is a good value as it means it would take BCML, 2.53 years of fcf income to pay off all of its debts.

BCML has a Debt to FCF ratio of 2.53. This is comparable to the rest of the industry: BCML outperforms 42.71% of its industry peers.

A Debt/Equity ratio of 0.22 indicates that BCML is not too dependend on debt financing.

BCML has a Debt to Equity ratio (0.22) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.53
Altman-Z	N/A

ROIC/WACCN/A

WACC15.24%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BCML have decreased by -4.98% 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 -5.01%.

BCML shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.73% yearly.

EPS 1Y (TTM)-4.98%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

Revenue 1Y (TTM)-5.01%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%2.11%

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 10.41% yearly.

Based on estimates for the next years, BCML will show a small growth in Revenue. The Revenue will grow by 5.66% on average per year.

EPS Next Y11.88%

EPS Next 2Y10.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.57%

Revenue Next 2Y5.66%

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.

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.68, the valuation of BCML can be described as correct.

BCML's Price/Earnings is on the same level as the industry average.

BCML is valuated cheaply when we compare the Price/Earnings ratio to 28.22, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.40, 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.

Compared to an average S&P500 Price/Forward Earnings ratio of 20.86, BCML is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.68
Fwd PE	10.4

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 61.31% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	10.25
EV/EBITDA	N/A

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)1.07

PEG (5Y)1.82

EPS Next 2Y10.41%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.93%, 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.

BCML's Dividend Yield is slightly below the S&P500 average, which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	1.93%

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 Years1

Div Non Decr Years2

5.3 Sustainability

14.29% of the earnings are spent on dividend by BCML. This is a low number and sustainable payout ratio.

DP14.29%

EPS Next 2Y10.41%

EPS Next 3YN/A

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BAYCOM CORP

NASDAQ:BCML (5/2/2025, 8:00:01 PM)

After market: 26.62 0 (0%)

26.62

+0.65 (+2.5%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners61.61%

Inst Owner Change0.05%

Ins Owners7.68%

Ins Owner Change-1.92%

Market Cap293.62M

Analysts82.22

Price Target29.58 (11.12%)

Short Float %0.75%

Short Ratio3.2

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.93%

Yearly Dividend0.3

Dividend Growth(5Y)N/A

DP14.29%

Div Incr Years1

Div Non Decr Years2

Ex-Date03-13 2025-03-13 (0.15)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.77%

Min EPS beat(2)3.81%

Max EPS beat(2)5.73%

EPS beat(4)3

Avg EPS beat(4)0.62%

Min EPS beat(4)-9.91%

Max EPS beat(4)5.73%

EPS beat(8)5

Avg EPS beat(8)0.26%

EPS beat(12)6

Avg EPS beat(12)-2.02%

EPS beat(16)9

Avg EPS beat(16)-1.35%

Revenue beat(2)0

Avg Revenue beat(2)-1.43%

Min Revenue beat(2)-2.34%

Max Revenue beat(2)-0.52%

Revenue beat(4)0

Avg Revenue beat(4)-3.32%

Min Revenue beat(4)-5.72%

Max Revenue beat(4)-0.52%

Revenue beat(8)0

Avg Revenue beat(8)-3.32%

Revenue beat(12)3

Avg Revenue beat(12)-1.92%

Revenue beat(16)7

Avg Revenue beat(16)1.26%

PT rev (1m)-8.42%

PT rev (3m)-5.95%

EPS NQ rev (1m)0%

EPS NQ rev (3m)2.65%

EPS NY rev (1m)0.14%

EPS NY rev (3m)2.07%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)1%

Revenue NY rev (1m)-0.29%

Revenue NY rev (3m)-0.17%

Valuation

		Industry Rank	Sector Rank
PE	12.68
Fwd PE	10.4
P/S	3.01
P/FCF	10.25
P/OCF	9.67
P/B	0.91
P/tB	1.04
EV/EBITDA	N/A

EPS(TTM)2.1

EY7.89%

EPS(NY)2.56

Fwd EY9.62%

FCF(TTM)2.6

FCFY9.76%

OCF(TTM)2.75

OCFY10.34%

SpS8.84

BVpS29.41

TBVpS25.64

PEG (NY)1.07

PEG (5Y)1.82

Profitability

		Industry Rank	Sector Rank
ROA	0.89%
ROE	7.28%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.22%
GM	N/A
FCFM	29.39%

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 Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.53
Debt/EBITDA	N/A
Cap/Depr	52.07%
Cap/Sales	1.74%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	121.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC15.24%

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)-4.98%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

EPS Next Y11.88%

EPS Next 2Y10.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-5.01%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%2.11%

Revenue Next Year4.57%

Revenue Next 2Y5.66%

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-0.08%

FCF growth 3Y46.47%

FCF growth 5Y38.81%

OCF growth 1Y-1.44%

OCF growth 3Y42.78%

OCF growth 5Y34.25%

BAYCOM CORP (BCML) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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