BAYCOM CORP (BCML) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:BCML • US07272M1071

30.54 USD
-0.25 (-0.81%)
At close: Feb 6, 2026
30.54 USD
0 (0%)
After Hours: 2/6/2026, 8:19:09 PM
Fundamental Rating

4

BCML gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. While BCML seems to be doing ok healthwise, 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. 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.
  • 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 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 67.36% of its industry peers.
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

  • The Profit Margin of BCML (23.59%) is comparable to the rest of the 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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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • BCML does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for BCML has been reduced compared to 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 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's Debt to FCF ratio of 0.30 is amongst the best of the industry. BCML outperforms 84.33% of its industry peers.
  • BCML has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
  • BCML's Debt to Equity ratio of 0.03 is amongst the best of the industry. BCML outperforms 85.12% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.3
Altman-Z N/A
ROIC/WACCN/A
WACC14.56%
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

5

3. Growth

3.1 Past

  • The Earnings Per Share has been growing slightly by 3.81% over the past year.
  • 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.
  • The Revenue has been growing slightly by 3.10% in the past year.
  • Measured over the past years, BCML shows a small growth in Revenue. The Revenue has been growing by 2.91% on average per year.
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 14.46% yearly.
  • Based on estimates for the next years, BCML will show a small growth in Revenue. The Revenue will grow by 5.62% on average per year.
EPS Next Y20.87%
EPS Next 2Y14.46%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year10.33%
Revenue Next 2Y5.62%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same 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. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 14.01, BCML is valued correctly.
  • BCML's Price/Earnings is on the same level as the industry average.
  • The average S&P500 Price/Earnings ratio is at 27.92. BCML is valued slightly cheaper when compared to this.
  • BCML is valuated reasonably with a Price/Forward Earnings ratio of 11.59.
  • The rest of the industry has a similar Price/Forward Earnings ratio as BCML.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 27.78, BCML is valued rather cheaply.
Industry RankSector Rank
PE 14.01
Fwd PE 11.59
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

  • BCML's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. BCML is cheaper than 60.84% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.51
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 14.46% in the coming years.
PEG (NY)0.67
PEG (5Y)1.04
EPS Next 2Y14.46%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 3.10%, BCML has a reasonable but not impressive dividend return.
  • BCML's Dividend Yield is a higher than the industry average which is at 2.65.
  • BCML's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 3.1%

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
BCML Yearly Dividends per shareBCML Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 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 2Y14.46%
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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BAYCOM CORP

NASDAQ:BCML (2/6/2026, 8:19:09 PM)

After market: 30.54 0 (0%)

30.54

-0.25 (-0.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-22
Earnings (Next)04-15
Inst Owners65.74%
Inst Owner Change-0.99%
Ins Owners7.53%
Ins Owner Change0.72%
Market Cap332.89M
Revenue(TTM)100.54M
Net Income(TTM)23.19M
Analysts82.22
Price Target31.96 (4.65%)
Short Float %0.83%
Short Ratio4.04
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP16.43%
Div Incr Years2
Div Non Decr Years2
Ex-DateN/A
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-0.51%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.49%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.39%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.36%
Valuation
Industry RankSector Rank
PE 14.01
Fwd PE 11.59
P/S 3.39
P/FCF 11.51
P/OCF 10.74
P/B 1
P/tB 1.13
EV/EBITDA N/A
EPS(TTM)2.18
EY7.14%
EPS(NY)2.63
Fwd EY8.63%
FCF(TTM)2.65
FCFY8.69%
OCF(TTM)2.84
OCFY9.31%
SpS9.02
BVpS30.67
TBVpS26.93
PEG (NY)0.67
PEG (5Y)1.04
Graham Number38.78
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
WACC14.56%
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 Y20.87%
EPS Next 2Y14.46%
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 Year10.33%
Revenue Next 2Y5.62%
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 4 / 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 4 / 10 and the dividend payout ratio is 16.43%.