BayCom (BCML)
Market Price (2/18/2026): $30.91 | Market Cap: $337.8 MilSector: Financials | Industry: Regional Banks
BayCom (BCML)
Market Price (2/18/2026): $30.91Market Cap: $337.8 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 8.7% | Weak multi-year price returns3Y Excs Rtn is -6.4% | Key risksBCML key risks include [1] significant exposure to economic downturns in its key regional markets of California, Show more. |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% | ||
| Low stock price volatilityVol 12M is 29% | ||
| Megatrend and thematic driversMegatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 8.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 3.8%, FCF Yield is 8.7% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 31%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 29% |
| Low stock price volatilityVol 12M is 29% |
| Megatrend and thematic driversMegatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement. |
| Weak multi-year price returns3Y Excs Rtn is -6.4% |
| Key risksBCML key risks include [1] significant exposure to economic downturns in its key regional markets of California, Show more. |
Qualitative Assessment
AI Analysis | Feedback
1. Strong Fourth Quarter 2025 Net Income Growth: BayCom reported a net income of $6.9 million for the fourth quarter of 2025, marking a 37% sequential increase from the previous quarter and a 12.1% year-over-year increase from Q4 2024. This significant growth in net income, despite missing analyst estimates for EPS and revenue, highlighted fundamental strength and strategic progress within the company.
2. Expanding Net Interest Margin (NIM) and Balance Sheet Improvement: The company's Net Interest Margin significantly expanded to 4.03% in Q4 2025, up from 3.68% in Q3 2025 and 3.80% in Q4 2024. This improvement was primarily driven by higher loan yields and a notable decrease in funding costs, largely due to the early redemption of all subordinated debt in 2025, which also enhanced financial flexibility.
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Stock Movement Drivers
Fundamental Drivers
The 13.2% change in BCML stock from 10/31/2025 to 2/17/2026 was primarily driven by a 17.3% change in the company's P/E Multiple.| (LTM values as of) | 10312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.00 | 30.55 | 13.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 98 | 99 | 0.5% |
| Net Income Margin (%) | 24.6% | 23.5% | -4.7% |
| P/E Multiple | 12.3 | 14.4 | 17.3% |
| Shares Outstanding (Mil) | 11 | 11 | 0.7% |
| Cumulative Contribution | 13.2% |
Market Drivers
10/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| BCML | 13.2% | |
| Market (SPY) | 0.1% | 3.2% |
| Sector (XLF) | -0.3% | 20.7% |
Fundamental Drivers
The 15.2% change in BCML stock from 7/31/2025 to 2/17/2026 was primarily driven by a 14.2% change in the company's P/E Multiple.| (LTM values as of) | 7312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 26.53 | 30.55 | 15.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 97 | 99 | 1.8% |
| Net Income Margin (%) | 24.2% | 23.5% | -2.8% |
| P/E Multiple | 12.6 | 14.4 | 14.2% |
| Shares Outstanding (Mil) | 11 | 11 | 1.9% |
| Cumulative Contribution | 15.2% |
Market Drivers
7/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| BCML | 15.2% | |
| Market (SPY) | 8.3% | 20.6% |
| Sector (XLF) | 0.0% | 38.2% |
Fundamental Drivers
The 12.6% change in BCML stock from 1/31/2025 to 2/17/2026 was primarily driven by a 13.7% change in the company's P/E Multiple.| (LTM values as of) | 1312025 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 27.13 | 30.55 | 12.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 100 | 99 | -0.8% |
| Net Income Margin (%) | 24.0% | 23.5% | -2.1% |
| P/E Multiple | 12.7 | 14.4 | 13.7% |
| Shares Outstanding (Mil) | 11 | 11 | 2.0% |
| Cumulative Contribution | 12.6% |
Market Drivers
1/31/2025 to 2/17/2026| Return | Correlation | |
|---|---|---|
| BCML | 12.6% | |
| Market (SPY) | 14.5% | 43.8% |
| Sector (XLF) | 2.5% | 48.0% |
Fundamental Drivers
The 64.0% change in BCML stock from 1/31/2023 to 2/17/2026 was primarily driven by a 25.1% change in the company's P/E Multiple.| (LTM values as of) | 1312023 | 2172026 | Change |
|---|---|---|---|
| Stock Price ($) | 18.62 | 30.55 | 64.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 95 | 99 | 3.6% |
| Net Income Margin (%) | 22.6% | 23.5% | 3.9% |
| P/E Multiple | 11.5 | 14.4 | 25.1% |
| Shares Outstanding (Mil) | 13 | 11 | 21.8% |
| Cumulative Contribution | 64.0% |
Market Drivers
1/31/2023 to 2/17/2026| Return | Correlation | |
|---|---|---|
| BCML | 64.0% | |
| Market (SPY) | 74.2% | 37.8% |
| Sector (XLF) | 49.3% | 49.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BCML Return | 24% | 2% | 27% | 17% | 13% | 4% | 120% |
| Peers Return | 18% | -30% | 30% | 1% | 22% | 7% | 42% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| BCML Win Rate | 67% | 50% | 67% | 58% | 58% | 50% | |
| Peers Win Rate | 33% | 47% | 58% | 44% | 80% | 50% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 50% | |
Max Drawdowns [4] | |||||||
| BCML Max Drawdown | -4% | -6% | -20% | -19% | -10% | -4% | |
| Peers Max Drawdown | -8% | -38% | -27% | -17% | -7% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, CBC, HYNE, NU.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 2/17/2026 (YTD)
How Low Can It Go
| Event | BCML | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -35.5% | -25.4% |
| % Gain to Breakeven | 55.1% | 34.1% |
| Time to Breakeven | 218 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -56.8% | -33.9% |
| % Gain to Breakeven | 131.3% | 51.3% |
| Time to Breakeven | 1,180 days | 148 days |
| 2018 Correction | ||
| % Loss | -27.3% | -19.8% |
| % Gain to Breakeven | 37.5% | 24.7% |
| Time to Breakeven | 2,147 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -45.8% | -56.8% |
| % Gain to Breakeven | 84.6% | 131.3% |
| Time to Breakeven | 3,342 days | 1,480 days |
Compare to NEWT, ATLO, CBC, HYNE, NU
In The Past
BayCom's stock fell -35.5% during the 2022 Inflation Shock from a high on 6/2/2022. A -35.5% loss requires a 55.1% gain to breakeven.
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About BayCom (BCML)
AI Analysis | Feedback
- A regional business bank, similar to a smaller, community-focused version of U.S. Bank or Comerica Bank.
- Think of it as a community-oriented commercial bank, like a localized version of the business banking arm of PNC Financial Services.
- It's a local and regional bank, much like a scaled-down version of Wells Fargo with a strong emphasis on small and medium-sized businesses.
AI Analysis | Feedback
- Deposit Accounts: Offers various checking, savings, money market, and certificate of deposit accounts for individuals and businesses.
- Commercial Real Estate Loans: Provides financing for the acquisition, refinancing, and development of income-producing commercial and multi-family properties.
- Commercial & Industrial Loans: Extends credit to businesses for operational needs, equipment purchases, and expansion.
- Construction & Land Loans: Funds the construction of residential and commercial properties, as well as land acquisition for development.
- Residential Mortgage Loans: Originates loans for the purchase or refinancing of single-family and multi-family residential properties.
- Consumer Loans: Offers personal loans, such as for automobiles, and other credit products to individuals.
AI Analysis | Feedback
BayCom (BCML), through its subsidiary United Business Bank, operates as a full-service commercial bank. As a bank, its "customers" are primarily individuals and businesses that utilize its financial services, rather than other companies purchasing products in a traditional B2B supply chain relationship. Banks typically do not disclose specific major borrowers or depositors due to privacy and competitive reasons, and their client base is generally diversified across many accounts rather than relying on a few "major customers" with public symbols.
Therefore, BayCom primarily serves the following categories of customers:
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Small to Medium-Sized Businesses (SMBs)
These customers encompass a wide range of industries and utilize the bank's commercial banking products, including business loans (such as lines of credit, term loans, and SBA-guaranteed loans), commercial real estate loans, deposit accounts, cash management services, and payment solutions. They represent a core segment for a "business bank."
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Commercial Real Estate (CRE) Investors and Developers
This category includes individuals, partnerships, and corporations focused on the acquisition, development, and management of income-producing properties, such as multi-family residential, office, retail, and industrial spaces. They are significant recipients of the bank's commercial real estate lending and related services.
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Individuals and Professionals
While the bank emphasizes its business services, it also caters to individuals and professionals. This includes offering personal deposit accounts (checking, savings, money market), personal loans, and residential mortgage loans. Often, these individual clients are owners, executives, or employees of the businesses the bank serves, as well as other members of the local community.
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George J. Guarini, President and Chief Executive Officer
Mr. Guarini is a foundational figure at BayCom Corp, serving as its President, Chief Executive Officer, and a Founding Director. His leadership has been instrumental in shaping the company's strategic direction, vision, and overall corporate culture. Mr. Guarini brings more than 30 years of experience in the banking industry, having held key executive and senior-level management positions with national and regional financial institutions. He also played a role in the turnaround of two financial institutions that were operating under a "memorandum of understanding" due to credit quality issues. He co-founded BayCom in July 2004.
Keary L. Colwell, Senior Executive Vice President, Chief Financial Officer, Chief Administrative Officer, Secretary, Treasurer, and Director
Ms. Colwell, a Certified Public Accountant (CPA), has served as the Chief Financial Officer and Corporate Secretary of United Business Bank since its inception in 2004. Her responsibilities encompass all aspects of accounting and finance, including financial reporting, asset-liability management, budgeting, and financial planning, and she oversees the bank's risk management process. Prior to joining United Business Bank, Ms. Colwell was Executive Vice President and Chief Financial Officer of The San Francisco Company and Bank of San Francisco from 1996 until its sale in 2001. She also held the position of Vice President/Senior Financial Management at First Nationwide Bank from 1988-1992.
Janet L. King, Senior Executive Vice President, Chief Operating Officer, and Director
Ms. King has served as the Chief Operating Officer of United Business Bank since its inception in 2004. As a member of the executive management team, she brings over 35 years of banking experience. Before joining the bank, she was the Chief Branch Administrative Officer and part of the executive management team at Circle Bank in Novato, California, from 1999 to 2004, where she was responsible for operations, branch development, human resources, information technology, and compliance. Earlier in her career, Ms. King was the Vice President of Operations for Valencia Bank & Trust.
Lloyd W. Kendall, Jr., Chairman of the Board and Founding Director
Mr. Kendall is a lawyer with a practice in the Bay Area since 1978, specializing in real estate and tax law, particularly tax-free exchanges. He gained significant tax law education through his employment with the U.S. Treasury Department, Internal Revenue Service. He founded and owned Lawyers Asset Management, Inc., which acted as a "Qualified Intermediary" for tax-free exchanges under Section 1031(a) of the Internal Revenue Code, until his company merged with Commercial Capital Bank in 2006. He co-founded BayCom in July 2004.
Mary Therese Curley, Executive Vice President and Director, Labor Service Division; Chief Credit Officer for United Business Bank
Ms. Curley brings extensive expertise in credit administration and the strategic management of business banking operations. Her role in the Labor Service Division focuses on providing specialized financial solutions to businesses for workforce management and employment-related financial needs. As Chief Credit Officer, she is instrumental in overseeing the bank's credit policies, risk assessment, and the overall health of its loan portfolio.
AI Analysis | Feedback
BayCom (symbol: BCML) faces several key risks inherent in its business operations as a bank holding company.Key Risks to BayCom (BCML)
- Exposure to Regional Economic Downturns
BayCom's business is significantly concentrated in specific regional economies, namely California, Colorado, New Mexico, and Washington. A downturn in the national economy or, more acutely, in these particular regional economies, could adversely affect the company's financial performance. Such conditions can lead to reduced loan demand, increased loan delinquencies and charge-offs, and declines in real estate values, all of which would negatively impact BayCom's profitability and asset quality. - Credit Risk Associated with Lending Activities, Particularly Construction Loans
As a financial institution, BayCom is inherently exposed to credit risk from its lending and investing activities. A notable area of elevated risk lies within its construction loan portfolio. Repayment of these loans is often contingent on the successful completion of the underlying projects and the borrower's ability to sell or lease the developed property, rather than solely on the borrower's or guarantor's financial strength. This dependence on real estate market conditions and project success increases the potential for significant losses if projects fail or market conditions deteriorate. - Inability to Attract and Retain Key Personnel
The loss of key employees, particularly those in senior and middle management, represents a material risk to BayCom. These individuals possess specialized skills, deep market knowledge, industry experience, and crucial long-term client relationships. The unexpected departure of such personnel, coupled with the challenges of identifying and hiring qualified replacements on acceptable terms, could materially and adversely affect BayCom's business, financial condition, and results of operations.
AI Analysis | Feedback
The proliferation and increasing adoption of fintech companies and digital-first banks (neobanks) represent a clear emerging threat. These entities leverage advanced technology and agile business models to offer streamlined, often lower-cost, and more convenient banking services, including digital payment solutions, online lending platforms, and high-yield savings accounts. This directly competes with traditional community banks like BayCom for customer relationships, reduces reliance on physical branches, and intensifies competition for deposits and loans.
AI Analysis | Feedback
BayCom Corp (BCML) operates as a bank holding company primarily through its subsidiary, United Business Bank, offering a comprehensive range of financial services to small and mid-sized businesses, service professionals, and individuals. Its main products and services include various loan types and deposit accounts, with operations concentrated in California, Washington, New Mexico, and Colorado.
Addressable Markets for BayCom's Main Products and Services:
- Commercial and Multifamily Real Estate Loans (California): The market size for the Real Estate Loans & Collateralized Debt industry in California is projected to be approximately $62.3 billion in 2025. This market has been experiencing an average annual growth rate of 6.6% from 2020 to 2025.
- Small Business Loans (California): New lending to small businesses in California (through loans of $1 million or less) totaled $45.6 billion in 2021. In 2020, this figure was $60.2 billion. California is home to 4.1 million small businesses, representing 99.8% of all businesses in the state.
- Commercial Banking (California): The Commercial Banking industry in California is estimated to have a market size of $125.7 billion in 2025. This market has shown an average annual growth rate of 7.1% from 2020 to 2025.
- Community Banking (North America): The community banking market in North America, with the United States as the largest contributor, holds approximately 60% of the global market share. The global Community Banking Market was estimated at $16.76 billion in 2024 and is projected to grow to $17.7 billion in 2025, reaching $30.46 billion by 2035, with a compound annual growth rate (CAGR) of 5.58% during this forecast period.
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Expected Drivers of Future Revenue Growth for BayCom (BCML)
- Growth in Loan Balances and Yields from Strong Lending and Deposit Activity: BayCom's management has highlighted "solid growth, supported by strong lending and deposit activity" as a key factor in its recent performance. Net interest income, a primary revenue component for banks, increased in Q3 2025, driven by higher loan balances and yields. This indicates a focus on expanding its core lending business and optimizing the returns on its loan portfolio.
- Expansion to New Markets/Regional Footprint: BayCom is actively pursuing an expanded geographic presence. The company opened a de novo branch in Las Vegas, with the strategic aim to "expand its regional footprint and market areas and support deposit and loan growth." This inorganic expansion into new territories is expected to contribute to future revenue generation by attracting new customers and increasing market share.
- Strategic Acquisitions: BayCom has a history of growth through strategic buyouts, having completed 10 acquisitions since 2010, which have significantly contributed to its total assets and deposits. The company "continues to focus on strategic acquisitions and organic growth to enhance shareholder value and generate consistent earnings growth." This ongoing strategy of acquiring other entities is a key driver for inorganic revenue expansion.
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Share Repurchases
- BayCom announced its ninth stock repurchase program in May 2024, authorizing the buyback of 560,000 shares. This new program will commence upon the completion or expiration of the eighth stock repurchase program, which was authorized in August 2023 for 590,000 shares and had 12,627 shares remaining as of May 24, 2024.
- In 2024, the company repurchased 455,654 shares of its common stock at an average cost of $20.31 per share.
- In October 2022, BayCom approved its sixth stock repurchase program, authorizing the repurchase of up to 645,000 shares, following the completion of the fifth program which saw all 747,000 authorized shares repurchased.
Outbound Investments
- BayCom has a history of growth through strategic acquisitions, having completed 10 acquisitions since 2010, which collectively brought in approximately $2.3 billion in total assets and $1.9 billion in total deposits.
- In August 2023, the company expanded its geographic footprint by opening a de novo branch in Las Vegas, Nevada, aiming to support deposit and loan growth.
- As of January 2022, BayCom continued to seek acquisitions and anticipated closing its merger with Pacific Enterprise Bank, highlighting a strategy of growth through strategic buyouts.
Capital Expenditures
- In the most recent 12-month period (prior to May 2024), capital expenditures were -$1.21 million.
- BayCom continuously invests in network upgrades and service enhancements to meet client demands.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can BayCom Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to BCML.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 01302026 | FDS | FactSet Research Systems | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -19.1% | -19.1% | -23.8% |
| 01302026 | PFSI | PennyMac Financial Services | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -7.6% | -7.6% | -9.2% |
| 01232026 | FIS | Fidelity National Information Services | Dip Buy | DB | FCFY OPMDip Buy with High FCF Yield and High MarginBuying dips for companies with high FCF yield and meaningfully high operating margin | -22.6% | -22.6% | -22.6% |
| 01022026 | MORN | Morningstar | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -23.9% | -23.9% | -26.8% |
| 01022026 | ABR | Arbor Realty Trust | Special | Short Squeeze PotentialShort Squeeze PotentialHas potential for a short squeeze. High short interest, rising short interest and high debt. | -2.9% | -2.9% | -6.7% |
Research & Analysis
Invest in Strategies
Wealth Management
Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 16.82 |
| Mkt Cap | 0.3 |
| Rev LTM | 99 |
| Op Inc LTM | - |
| FCF LTM | 19 |
| FCF 3Y Avg | 23 |
| CFO LTM | 20 |
| CFO 3Y Avg | 26 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 19.9% |
| Rev Chg 3Y Avg | 16.5% |
| Rev Chg Q | 22.9% |
| QoQ Delta Rev Chg LTM | 5.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.4% |
| CFO/Rev 3Y Avg | 26.4% |
| FCF/Rev LTM | 29.3% |
| FCF/Rev 3Y Avg | 22.9% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.3 |
| P/S | 3.7 |
| P/EBIT | - |
| P/E | 15.0 |
| P/CFO | 11.7 |
| Total Yield | 8.7% |
| Dividend Yield | 0.6% |
| FCF Yield 3Y Avg | 5.7% |
| D/E | 0.1 |
| Net D/E | -0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.3% |
| 3M Rtn | 12.9% |
| 6M Rtn | 11.8% |
| 12M Rtn | 12.5% |
| 3Y Rtn | 31.3% |
| 1M Excs Rtn | 2.7% |
| 3M Excs Rtn | 7.1% |
| 6M Excs Rtn | 5.9% |
| 12M Excs Rtn | -0.1% |
| 3Y Excs Rtn | -36.2% |
Price Behavior
| Market Price | $30.55 | |
| Market Cap ($ Bil) | 0.3 | |
| First Trading Date | 02/23/2007 | |
| Distance from 52W High | -7.1% | |
| 50 Days | 200 Days | |
| DMA Price | $30.00 | $28.18 |
| DMA Trend | up | up |
| Distance from DMA | 1.8% | 8.4% |
| 3M | 1YR | |
| Volatility | 29.2% | 29.0% |
| Downside Capture | -72.09 | 52.58 |
| Upside Capture | 10.26 | 57.90 |
| Correlation (SPY) | -3.2% | 43.6% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.78 | -0.19 | 0.32 | 0.68 | 0.70 | 0.78 |
| Up Beta | 4.70 | 3.23 | 2.08 | 2.31 | 0.79 | 0.86 |
| Down Beta | 0.54 | -0.74 | -0.30 | 0.27 | 0.60 | 0.74 |
| Up Capture | -12% | -42% | 37% | 41% | 55% | 48% |
| Bmk +ve Days | 11 | 22 | 34 | 71 | 142 | 430 |
| Stock +ve Days | 10 | 19 | 30 | 59 | 124 | 381 |
| Down Capture | 4% | -69% | -8% | 29% | 79% | 90% |
| Bmk -ve Days | 9 | 19 | 27 | 54 | 109 | 321 |
| Stock -ve Days | 10 | 22 | 31 | 65 | 125 | 357 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BCML | |
|---|---|---|---|---|
| BCML | 11.8% | 28.9% | 0.38 | - |
| Sector ETF (XLF) | 2.0% | 19.4% | -0.02 | 48.5% |
| Equity (SPY) | 13.0% | 19.4% | 0.51 | 43.6% |
| Gold (GLD) | 67.2% | 25.5% | 1.99 | 0.9% |
| Commodities (DBC) | 5.2% | 16.8% | 0.13 | 12.4% |
| Real Estate (VNQ) | 7.8% | 16.6% | 0.28 | 39.5% |
| Bitcoin (BTCUSD) | -28.8% | 44.9% | -0.62 | 20.5% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BCML | |
|---|---|---|---|---|
| BCML | 17.0% | 28.1% | 0.58 | - |
| Sector ETF (XLF) | 12.6% | 18.7% | 0.55 | 43.6% |
| Equity (SPY) | 13.3% | 17.0% | 0.62 | 34.9% |
| Gold (GLD) | 21.3% | 17.1% | 1.02 | 3.1% |
| Commodities (DBC) | 10.2% | 18.9% | 0.42 | 12.5% |
| Real Estate (VNQ) | 5.3% | 18.8% | 0.19 | 35.5% |
| Bitcoin (BTCUSD) | 8.2% | 57.2% | 0.36 | 15.1% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BCML | |
|---|---|---|---|---|
| BCML | 3.8% | 37.9% | 0.24 | - |
| Sector ETF (XLF) | 14.2% | 22.2% | 0.59 | 48.6% |
| Equity (SPY) | 15.8% | 17.9% | 0.76 | 37.8% |
| Gold (GLD) | 14.8% | 15.6% | 0.79 | -0.7% |
| Commodities (DBC) | 8.0% | 17.6% | 0.37 | 19.8% |
| Real Estate (VNQ) | 6.8% | 20.7% | 0.29 | 39.5% |
| Bitcoin (BTCUSD) | 68.5% | 66.7% | 1.08 | 16.3% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/22/2026 | |||
| 10/23/2025 | -0.8% | -3.0% | 2.6% |
| 7/17/2025 | -1.8% | -1.6% | 1.0% |
| 4/17/2025 | -0.2% | -0.1% | 5.5% |
| 1/23/2025 | 2.2% | 6.2% | -0.1% |
| 10/17/2024 | 0.0% | -0.4% | 11.4% |
| 7/18/2024 | 0.5% | 5.9% | -4.8% |
| 4/18/2024 | 0.6% | 1.0% | 4.2% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 13 | 15 |
| # Negative | 11 | 10 | 8 |
| Median Positive | 1.6% | 3.5% | 5.5% |
| Median Negative | -1.8% | -2.5% | -5.5% |
| Max Positive | 3.8% | 10.6% | 22.5% |
| Max Negative | -8.7% | -9.4% | -7.2% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/07/2025 | 10-Q |
| 06/30/2025 | 08/11/2025 | 10-Q |
| 03/31/2025 | 05/09/2025 | 10-Q |
| 12/31/2024 | 03/14/2025 | 10-K |
| 09/30/2024 | 11/12/2024 | 10-Q |
| 06/30/2024 | 08/09/2024 | 10-Q |
| 03/31/2024 | 05/10/2024 | 10-Q |
| 12/31/2023 | 03/15/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/15/2023 | 10-Q |
| 12/31/2022 | 03/31/2023 | 10-K |
| 09/30/2022 | 11/10/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
| 03/31/2022 | 05/16/2022 | 10-Q |
| 12/31/2021 | 03/31/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Guarini, George J | President and CEO | Direct | Sell | 3032025 | 27.50 | 27,000 | 742,500 | 1,285,872 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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