BCML Fundamental Analysis - BAYCOM CORP

Fundamental Rating

Overall BCML gets a fundamental rating of 4 out of 10. We evaluated BCML against 392 industry peers in the Banks industry. Both the profitability and financial health of BCML have multiple concerns. BCML has a correct valuation and a medium growth rate.

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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.

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

The Return On Assets of BCML (0.92%) is comparable to the rest of the industry.

BCML's Return On Equity of 7.32% is in line compared to the rest of the industry. BCML outperforms 41.58% of 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 55.10% 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

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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.

The number of shares outstanding for BCML has been reduced compared to 1 year ago.

Compared to 5 years ago, BCML has less shares outstanding

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 46.68% 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 has a worse Debt to Equity ratio (0.22) than 60.20% 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

WACC14.89%

2.3 Liquidity

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

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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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%.

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.

The Revenue has decreased by -2.62% in the past 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)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.

The Revenue is expected to grow by 6.29% on average over the next years.

EPS Next Y8.15%

EPS Next 2Y14.52%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.57%

Revenue Next 2Y6.29%

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 12.89 indicates a correct valuation of BCML.

BCML's Price/Earnings ratio is in line with the industry average.

BCML is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

The Price/Forward Earnings ratio is 10.20, which indicates a very decent valuation of BCML.

BCML's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of BCML to the average of the S&P500 Index (23.32), we can say BCML is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.89
Fwd PE	10.2

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 71.43% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.57
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)1.58

PEG (5Y)1.85

EPS Next 2Y14.52%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BCML has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.

BCML's Dividend Yield is comparable with the industry average which is at 3.52.

Compared to an average S&P500 Dividend Yield of 2.41, BCML has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.71%

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 11.28% of its income as dividend. This is a sustainable payout ratio.

DP11.28%

EPS Next 2Y14.52%

EPS Next 3YN/A

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BAYCOM CORP

NASDAQ:BCML (10/3/2025, 8:24:43 PM)

After market: 28.1 0 (0%)

28.1

+0.44 (+1.59%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-17 2025-07-17/amc

Earnings (Next)10-16 2025-10-16/amc

Inst Owners64.28%

Inst Owner Change1.51%

Ins Owners7.72%

Ins Owner Change-1.74%

Market Cap306.85M

Analysts82.22

Price Target31.62 (12.53%)

Short Float %0.85%

Short Ratio4.77

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.71%

Yearly Dividend0.3

Dividend Growth(5Y)N/A

DP11.28%

Div Incr Years2

Div Non Decr Years2

Ex-Date09-11 2025-09-11 (0.25)

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)0%

PT rev (3m)6.9%

EPS NQ rev (1m)-11.04%

EPS NQ rev (3m)-19.41%

EPS NY rev (1m)-1.91%

EPS NY rev (3m)-2.2%

Revenue NQ rev (1m)-2%

Revenue NQ rev (3m)2.51%

Revenue NY rev (1m)-1.97%

Revenue NY rev (3m)2.16%

Valuation

		Industry Rank	Sector Rank
PE	12.89
Fwd PE	10.2
P/S	3.12
P/FCF	9.57
P/OCF	9.23
P/B	0.93
P/tB	1.06
EV/EBITDA	N/A

EPS(TTM)2.18

EY7.76%

EPS(NY)2.75

Fwd EY9.8%

FCF(TTM)2.93

FCFY10.44%

OCF(TTM)3.05

OCFY10.84%

SpS9

BVpS30.27

TBVpS26.51

PEG (NY)1.58

PEG (5Y)1.85

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

WACC14.89%

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 Y8.15%

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 Year4.57%

Revenue Next 2Y6.29%

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%

BAYCOM CORP (BCML) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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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

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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