BAYCOM CORP (BCML) Stock Fundamental Analysis
NASDAQ:BCML - US07272M1071 - Common Stock
30.3 USD
-0.02 (-0.07%)
Taking everything into account, BCML scores 4 out of 10 in our fundamental rating. BCML was compared to 393 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.
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.
BCML had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.92%, BCML perfoms like the industry average, outperforming 55.98% of the companies in the same industry.
BCML has a Return On Equity (7.32%) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 7.32% | ||
| 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 24.63%, BCML is in line with its industry, outperforming 56.23% of the companies in the same industry.
BCML's Profit Margin has improved in the last couple of years.
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) | 24.63% | ||
| 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 2.26. This is a good value and a sign of high solvency as BCML would need 2.26 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.26, BCML perfoms like the industry average, outperforming 46.56% of the companies in the same industry.
BCML has a Debt/Equity ratio of 0.22. This is a healthy value indicating a solid balance between debt and equity.
BCML's Debt to Equity ratio of 0.22 is on the low side compared to the rest of the industry. BCML is outperformed by 61.07% 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.26 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.61%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BCML shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.83%.
BCML shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.
The Revenue has decreased by -2.62% in the past year.
The Revenue has been growing slightly by 4.73% on average over the past years.
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
BCML is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 14.52% yearly.
BCML is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.37% yearly.
EPS Next Y10.26%
EPS Next 2Y14.52%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year6.68%
Revenue Next 2Y7.37%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 13.90 indicates a correct valuation of BCML.
Compared to the rest of the industry, the Price/Earnings ratio of BCML is on the same level as its industry peers.
Compared to an average S&P500 Price/Earnings ratio of 27.17, BCML is valued a bit cheaper.
With a Price/Forward Earnings ratio of 11.00, the valuation of BCML can be described as very reasonable.
BCML's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 22.78. BCML is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11 |
4.2 Price Multiples
66.67% of the companies in the same industry are more expensive than BCML, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.32 | ||
| 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.
A more expensive valuation may be justified as BCML's earnings are expected to grow with 14.52% in the coming years.
PEG (NY)1.36
PEG (5Y)2
EPS Next 2Y14.52%
EPS Next 3YN/A
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.12%, BCML has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.30, BCML is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.34, BCML has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
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 11.28% of its income as dividend. This is a sustainable payout ratio.
DP11.28%
EPS Next 2Y14.52%
EPS Next 3YN/A
NASDAQ:BCML (8/29/2025, 1:02:58 PM)
30.3
-0.02 (-0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners65.5%
Inst Owner Change1.51%
Ins Owners7.7%
Ins Owner Change-6.61%
Market Cap330.88M
Analysts82.22
Price Target31.62 (4.36%)
Short Float %0.76%
Short Ratio2.98
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.12% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP11.28%
Div Incr Years2
Div Non Decr Years2
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-0.23%
Min EPS beat(2)-3.23%
Max EPS beat(2)2.76%
EPS beat(4)3
Avg EPS beat(4)2.27%
Min EPS beat(4)-3.23%
Max EPS beat(4)5.73%
EPS beat(8)5
Avg EPS beat(8)-0.06%
EPS beat(12)6
Avg EPS beat(12)-0.58%
EPS beat(16)9
Avg EPS beat(16)-1.28%
Revenue beat(2)0
Avg Revenue beat(2)-4.03%
Min Revenue beat(2)-4.55%
Max Revenue beat(2)-3.52%
Revenue beat(4)0
Avg Revenue beat(4)-2.73%
Min Revenue beat(4)-4.55%
Max Revenue beat(4)-0.52%
Revenue beat(8)0
Avg Revenue beat(8)-3.47%
Revenue beat(12)2
Avg Revenue beat(12)-2.56%
Revenue beat(16)5
Avg Revenue beat(16)0.15%
PT rev (1m)6.9%
PT rev (3m)6.9%
EPS NQ rev (1m)-5.52%
EPS NQ rev (3m)-14.44%
EPS NY rev (1m)-0.44%
EPS NY rev (3m)-0.29%
Revenue NQ rev (1m)2.46%
Revenue NQ rev (3m)0.54%
Revenue NY rev (1m)4.18%
Revenue NY rev (3m)4.22%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.9 | ||
| Fwd PE | 11 | ||
| P/S | 3.37 | ||
| P/FCF | 10.32 | ||
| P/OCF | 9.95 | ||
| P/B | 1 | ||
| P/tB | 1.14 | ||
| EV/EBITDA | N/A |
EPS(TTM)2.18
EY7.19%
EPS(NY)2.75
Fwd EY9.09%
FCF(TTM)2.93
FCFY9.69%
OCF(TTM)3.05
OCFY10.05%
SpS9
BVpS30.27
TBVpS26.51
PEG (NY)1.36
PEG (5Y)2
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.92% | ||
| ROE | 7.32% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.63% | ||
| GM | N/A | ||
| FCFM | 32.62% |
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-Score7
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.22 | ||
| Debt/FCF | 2.26 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 38.63% | ||
| Cap/Sales | 1.23% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 132.42% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC14.61%
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 Y10.26%
EPS Next 2Y14.52%
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 Year6.68%
Revenue Next 2Y7.37%
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-32.14%
FCF growth 3Y46.47%
FCF growth 5Y38.81%
OCF growth 1Y-30.58%
OCF growth 3Y42.78%
OCF growth 5Y34.25%