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    BayCom (BCML)

    Market Price (11/6/2026): $30.86 | Market Cap: $337.0 MilSector: Financials | Industry: Regional Banks

    BayCom (BCML)

    Market Price (11/6/2026): $30.86
    Market Cap: $337.0 Mil
    Sector: Financials
    Industry: Regional Banks

    Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.

    0

    Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.3%, Dividend Yield is 3.4%, FCF Yield is 7.8%

    Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 25%

    Low stock price volatility
    Vol 12M is 27%

    Megatrend and thematic drivers
    Megatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement.

    Weak multi-year price returns
    2Y Excs Rtn is -2.2%, 3Y Excs Rtn is -13%

    Expensive valuation multiples
    P/EPrice/Earnings or Price/(Net Income) is 26x

    Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.3%

    Key risks
    BCML key risks include [1] significant exposure to economic downturns in its key regional markets of California, Show more.

    0 Attractive yield
    Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 7.3%, Dividend Yield is 3.4%, FCF Yield is 7.8%
    1 Attractive cash flow generation
    CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 27%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 25%
    2 Low stock price volatility
    Vol 12M is 27%
    3 Megatrend and thematic drivers
    Megatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement.
    4 Weak multi-year price returns
    2Y Excs Rtn is -2.2%, 3Y Excs Rtn is -13%
    5 Expensive valuation multiples
    P/EPrice/Earnings or Price/(Net Income) is 26x
    6 Weak revenue growth
    Rev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is -0.3%
    7 Key risks
    BCML key risks include [1] significant exposure to economic downturns in its key regional markets of California, Show more.

    BCML in ETFs

    Weight = BCML's share of each fund

    VTI0.00%
    ITOT0.00%
    IWM0.01%
    IWN0.02%
    AVUV0.02%
    VTWO0.01%
    DFAS0.01%
    DFAC0.00%
    +1 more covered ETF

    Valuation & Metrics

    FYE: 12/31BCML [1]S&P 500 [2]
    REVENUE GROWTH
    LTM Revenue [3]$104.9 Mil—
    FY 2026 Sales$106.3 Mil—
    FY 2027 Sales$113.6 Mil—
    FY 2026 Sales Growth1.4%—
    FY 2027 Sales Growth6.8%8.7%
    EARNINGS
    LTM Net Income (GAAP) [3]$13.1 Mil—
    FY 2026 Net Income (Non-GAAP)$22.2 Mil—
    FY 2027 Net Income (Non-GAAP)$26.4 Mil—
    FY 2027 Net Income Growth19.2%13.9%
    FY 2026 EPS (Non-GAAP)$2.07—
    FY 2027 EPS (Non-GAAP)$2.40—
    FY 2027 EPS Growth16.3%—
    VALUATION
    FY 2026 P/S3.21.7
    FY 2027 P/S3.0—
    FY 2026 P/E15.28.7
    FY 2027 P/E12.8—

    [1] BCML forward figures are analyst consensus for the next two fiscal years (fiscal year end 12/31). Net Income and EPS are non-GAAP (adjusted) consensus. P/S and P/E divide the current market cap by the consensus figure.
    [2] S&P 500 figures are the SPY ETF's holdings-weighted forward aggregate. P/S and P/E reflect FY1/FY2 consensus blended to the 12-month window ending 11/30/27 (~one year forward), shown when ≥90% of index weight has estimates. Growth is the aggregate next-fiscal-year vs current-fiscal-year (FY1→FY2) change. Index-level dollar Sales, Net Income and EPS are not applicable.
    [3] LTM = reported trailing-twelve-month actuals (GAAP).
    BCMLS&P 500
    REVENUE GROWTH 
    Rev LTM ($ Bil)0.1
    Rev Chg Q3.1%8.9%
    Rev Chg LTM6.8%8.6%
    Rev Chg 3Y Avg-0.3%6.3%
    PROFITABILITYFAIR
    Op Inc LTM ($ Bil)�
    CFO LTM ($ Bil)0.0
    Net Inc LTM ($ Bil)0.0
    CFO/Rev LTM27.0%21.5%
    Net Inc Mgn12.5%13.5%
    VALUATIONHIGH
    P/S3.23.3
    P/CFO11.915.7
    P/FCF12.820.6
    P/E25.722.9

    AI Analysis | Feedback

    MetricValueDateSource
    Number of Full-Service Branches3512312024Link
    Percentage of Originated Loans84.7%12312024Link

    Price Chart

    Recent
    10/22/2026Earnings ReleaseRev: $19 Mil (A) vs. $26 Mil (E)
    EPS: 0.10 (A) vs. $0.56 (E)
    Upcoming
    1/28/2027Earnings ReleaseRev: $27 Mil (E)
    EPS: $0.59 (E)

    Why The Stock Moved

    Qualitative Assessment

    AI Analysis | Feedback

    Updated on 11/1/2026

    BayCom (BCML) stock has gained about 5% since 7/31/2026 because of the following key factors:

    1. Return to Profitability and Net Interest Margin Expansion in Fiscal Q3 2026. BayCom Corp reported a net income of $1.1 million, or $0.10 per diluted common share, for fiscal Q3 2026 (ended September 30, 2026), a significant rebound from a net loss of $7.0 million, or $(0.64) per diluted common share, in fiscal Q2 2026. This return to profitability, despite missing analyst estimates, was accompanied by an expanded net interest margin (NIM) of 4.11% in fiscal Q3 2026, up 16 basis points from 3.95% in the prior quarter and 43 basis points from 3.68% a year earlier.

    2. Strategic Repositioning of Investment Securities for Enhanced Future Earnings. During fiscal Q3 2026, BayCom undertook a strategic repositioning of its investment securities portfolio. The company sold $106.8 million of available-for-sale bonds, incurring a pre-tax loss of $6.8 million, but then reinvested $109.3 million into shorter-term, higher-yielding bonds at 5.01%, compared to the 3.79% yield of the sold assets. This move is anticipated to improve the yield on redeployed assets by approximately 122 basis points, positioning the company for stronger future earnings, despite the short-term loss.

    Show more
    Updated on 11/1/2026

    BayCom (BCML) stock has gained about 5% since 7/31/2026 because of the following key factors:

    1. Return to Profitability and Net Interest Margin Expansion in Fiscal Q3 2026. BayCom Corp reported a net income of $1.1 million, or $0.10 per diluted common share, for fiscal Q3 2026 (ended September 30, 2026), a significant rebound from a net loss of $7.0 million, or $(0.64) per diluted common share, in fiscal Q2 2026. This return to profitability, despite missing analyst estimates, was accompanied by an expanded net interest margin (NIM) of 4.11% in fiscal Q3 2026, up 16 basis points from 3.95% in the prior quarter and 43 basis points from 3.68% a year earlier.

    2. Strategic Repositioning of Investment Securities for Enhanced Future Earnings. During fiscal Q3 2026, BayCom undertook a strategic repositioning of its investment securities portfolio. The company sold $106.8 million of available-for-sale bonds, incurring a pre-tax loss of $6.8 million, but then reinvested $109.3 million into shorter-term, higher-yielding bonds at 5.01%, compared to the 3.79% yield of the sold assets. This move is anticipated to improve the yield on redeployed assets by approximately 122 basis points, positioning the company for stronger future earnings, despite the short-term loss.

    3. Robust Loan and Deposit Growth Coupled with Improved Credit Quality. BayCom demonstrated healthy organic growth in its core banking activities during fiscal Q3 2026. Total loans increased by $77.2 million, or 3.7%, reaching $2.2 billion, while total deposits grew by $122.3 million, or 5.6%, to $2.3 billion. Simultaneously, the company saw a significant improvement in credit quality, with net charge-offs totaling only $13,000 in fiscal Q3 2026, a substantial decrease from $2.8 million in fiscal Q2 2026. Classified assets also declined by $3.9 million, or 11.1%, to $31.7 million.

    4. Favorable Macroeconomic Environment for Regional Banks. The broader regional banking sector experienced tailwinds during this period. Higher interest rates generally benefited regional banks by allowing them to lend at increased rates, which contributed to wider net interest margins across the industry. Additionally, several regional banks reported strong fiscal Q3 2026 earnings driven by robust commercial loan demand, defying expectations that inflation and Federal Reserve interest rate hikes (including a 25 basis point hike in September 2026) would temper corporate borrowing and capital expenditures.

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    Stock Movement Drivers

    Fundamental Drivers

    The 3.2% change in BCML stock from 7/31/2026 to 11/5/2026 was primarily driven by a 108.4% change in the company's P/E Multiple.
    (LTM values as of)731202611052026Change
    Stock Price ($)29.8830.843.2%
    Change Contribution By: 
    Total Revenues ($ Mil)1041050.7%
    Net Income Margin (%)25.4%12.5%-50.8%
    P/E Multiple12.325.7108.4%
    Shares Outstanding (Mil)11110.0%
    Cumulative Contribution3.2%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    7/31/2026 to 11/5/2026
    ReturnCorrelation
    BCML3.2% 
    Market (SPY)-1.9%17.3%
    Sector (XLF)1.0%51.6%

    Fundamental Drivers

    The 4.9% change in BCML stock from 4/30/2026 to 11/5/2026 was primarily driven by a 92.1% change in the company's P/E Multiple.
    (LTM values as of)430202611052026Change
    Stock Price ($)29.4130.844.9%
    Change Contribution By: 
    Total Revenues ($ Mil)1011053.5%
    Net Income Margin (%)23.6%12.5%-47.2%
    P/E Multiple13.425.792.1%
    Shares Outstanding (Mil)1111-0.1%
    Cumulative Contribution4.9%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    4/30/2026 to 11/5/2026
    ReturnCorrelation
    BCML4.9% 
    Market (SPY)2.3%6.2%
    Sector (XLF)10.7%37.4%

    Fundamental Drivers

    The 17.7% change in BCML stock from 10/31/2025 to 11/5/2026 was primarily driven by a 115.9% change in the company's P/E Multiple.
    (LTM values as of)1031202511052026Change
    Stock Price ($)26.2030.8417.7%
    Change Contribution By: 
    Total Revenues ($ Mil)981056.8%
    Net Income Margin (%)24.6%12.5%-49.4%
    P/E Multiple11.925.7115.9%
    Shares Outstanding (Mil)11110.9%
    Cumulative Contribution17.7%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2025 to 11/5/2026
    ReturnCorrelation
    BCML17.7% 
    Market (SPY)8.4%10.1%
    Sector (XLF)11.1%31.8%

    Fundamental Drivers

    The 70.5% change in BCML stock from 10/31/2023 to 11/5/2026 was primarily driven by a 237.0% change in the company's P/E Multiple.
    (LTM values as of)1031202311052026Change
    Stock Price ($)18.0930.8470.5%
    Change Contribution By: 
    Total Revenues ($ Mil)106105-1.4%
    Net Income Margin (%)27.2%12.5%-54.2%
    P/E Multiple7.625.7237.0%
    Shares Outstanding (Mil)121112.1%
    Cumulative Contribution70.5%

    LTM = Last Twelve Months as of date shown

    Market Drivers

    10/31/2023 to 11/5/2026
    ReturnCorrelation
    BCML70.5% 
    Market (SPY)81.3%36.1%
    Sector (XLF)85.5%48.4%

    Return vs. Risk

    Price Returns Compared

     202120222023202420252026Total [1]
    Returns
    BCML Return24%2%27%17%13%8%128%
    Peers Return21%-38%-12%-30%-16%-12%-66%
    S&P 500 Return27%-19%24%23%16%12%105%

    Monthly Win Rates [3]
    BCML Win Rate67%50%67%58%58%73% 
    Peers Win Rate60%50%50%33%56%59% 
    S&P 500 Win Rate75%42%67%75%67%45% 

    Max Drawdowns [4]
    BCML Max Drawdown-9%-24%-28%-19%-17%-14% 
    Peers Max Drawdown-24%-46%-55%-43%-43%-46% 
    S&P 500 Max Drawdown-5%-25%-10%-8%-19%-9% 

    [1] Cumulative total returns since the beginning of 2021
    [2] Peers: NEWT, ATLO, GBC, NARA, SHFS.
    [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 11/5/2026 (YTD)

    How Low Can It Go

    EventBCMLS&P 500
    2025 US Tariff Shock
      % Loss-15.1%-18.8%
      % Gain to Breakeven17.9%23.1%
      Time to Breakeven89 days79 days
    2023 SVB Regional Banking Crisis
      % Loss-24.3%-6.7%
      % Gain to Breakeven32.1%7.1%
      Time to Breakeven74 days31 days
    2020 COVID-19 Crash
      % Loss-51.6%-33.7%
      % Gain to Breakeven106.6%50.9%
      Time to Breakeven726 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.0%-19.2%
      % Gain to Breakeven31.5%23.8%
      Time to Breakeven2044 days105 days
    2011 US Debt Ceiling Crisis & European Contagion
      % Loss-14.9%-17.9%
      % Gain to Breakeven17.5%21.8%
      Time to Breakeven125 days123 days
    2008-2009 Global Financial Crisis
      % Loss-35.2%-53.4%
      % Gain to Breakeven54.4%114.4%
      Time to Breakeven1955 days1085 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    BayCom's stock fell -15.1% during the 2025 US Tariff Shock. Such a loss loss requires a 17.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    EventBCMLS&P 500
    2023 SVB Regional Banking Crisis
      % Loss-24.3%-6.7%
      % Gain to Breakeven32.1%7.1%
      Time to Breakeven74 days31 days
    2020 COVID-19 Crash
      % Loss-51.6%-33.7%
      % Gain to Breakeven106.6%50.9%
      Time to Breakeven726 days140 days
    Q4 2018 Fed Policy Error / Growth Scare
      % Loss-24.0%-19.2%
      % Gain to Breakeven31.5%23.8%
      Time to Breakeven2044 days105 days
    2008-2009 Global Financial Crisis
      % Loss-35.2%-53.4%
      % Gain to Breakeven54.4%114.4%
      Time to Breakeven1955 days1085 days

    Compare to NEWT, ATLO, CLBK, GCBC, MBBC

    In The Past

    BayCom's stock fell -15.1% during the 2025 US Tariff Shock. Such a loss loss requires a 17.9% gain to breakeven.

    Preserve Wealth

    Limiting losses and compounding gains is essential to preserving wealth.

    Asset Allocation

    Actively managed asset allocation strategies protect wealth. Learn more.

    About BayCom (BCML)

    BayCom Corp (BCML) operates as the bank holding company for United Business Bank, providing a comprehensive range of financial services primarily to small and mid-sized businesses, service professionals, and individuals. The company positions itself as a full-service financial partner, catering to the diverse banking requirements of its customer base through a blend of traditional banking and modern financial tools.

    The bank's core offerings include a variety of deposit accounts such as demand, savings, money market, and time deposits. On the lending side, BayCom specializes in commercial and multifamily real estate loans (both owner-occupied and investor), commercial and industrial loans (including equipment financing and working capital lines), and Small Business Administration (SBA) loans. It also provides construction and land loans, agriculture-related financing, and consumer loans like installment loans and personal lines of credit. Beyond these, BayCom offers extensive services such as online and mobile banking, remote deposit capture, treasury management, wire transfers, ACH services, and debit cards.

    As of late 2021, United Business Bank operated through 33 full-service banking branches across multiple states. Its geographic footprint includes key markets in Northern and Southern California, Denver and other counties in Colorado, Seattle, Washington, and Central New Mexico, enabling it to serve a broad and diverse clientele across the Western United States.

    AI Analysis | Feedback

    Here are 1-3 brief analogies for BayCom (BCML):

    • It's like a regional version of Wells Fargo, but with a stronger focus on small to mid-sized businesses and commercial real estate in the Western U.S.
    • Think of it as a smaller Comerica Bank, specializing in business and commercial real estate lending across the Western U.S.

    AI Analysis | Feedback

    • Deposit Accounts: Provides various deposit options for individuals and businesses, including demand, savings, money market, and time deposit accounts.
    • Commercial Lending: Offers a range of loans to businesses, such as commercial real estate, industrial, Small Business Administration (SBA), construction, and agriculture-related loans.
    • Consumer Lending: Provides individual customers with loans like installment loans, personal lines of credit, and overdraft protection.
    • Digital & Branch Banking Services: Enables convenient banking through online and mobile platforms, ATM access, and a network of physical branches.
    • Treasury Management Services: Delivers comprehensive services for businesses to manage their cash flow efficiently, including remote deposit capture, wire transfers, Automated Clearing House (ACH) services, and various account management tools.
    • Letters of Credit: Facilitates trade and financial transactions by offering letters of credit as a payment guarantee.

    AI Analysis | Feedback

    ```html

    BayCom Corp (BCML) operates as a bank holding company for United Business Bank, providing financial services primarily to the following categories of customers:

    • Small and mid-sized businesses
    • Service professionals
    • Individuals
    ```

    AI Analysis | Feedback

    null

    AI Analysis | Feedback

    George J. Guarini, President and Chief Executive Officer

    Mr. Guarini is a Founding Director of BayCom Corp and has served as President and Chief Executive Officer since the bank's inception in 2004, realizing his vision of establishing a bank focused on "best in class" offerings. He has held key executive and senior level management positions at national and regional financial institutions. Prior to opening Bay Commercial Bank, he was Senior Vice President and Senior Lending Officer of Summit Bank from 2000 to 2003, also serving as Acting President from August 2001 to August 2002. From 1994 to 1999, he worked at Imperial Capital Bank as Senior Vice President, and in 1997, he was the founding Chief Executive Officer of ITLA Funding Corporation, a wholly owned subsidiary of ITLA Capital Corporation.

    Keary L. Colwell, Senior Executive Vice President, Chief Financial Officer, Chief Administrative Officer, Secretary, Treasurer, and Director

    Ms. Colwell has served as the Chief Financial Officer and Corporate Secretary of United Business Bank since its inception in 2004. She is responsible for financial planning, risk management, record-keeping, and financial reporting. Ms. Colwell has over 28 years of experience in banking and finance. Before joining the bank, she 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. Her prior experience also includes serving as Vice President/Senior Financial Management of First Nationwide Bank from 1988-1992 and Vice President and Controller at Independence Savings and Loan Association. She obtained her Certified Public Accountant license in 1984.

    Janet L. King, Senior Executive Vice President, Chief Operating Officer and Director

    Ms. King has served as the Chief Operating Officer of the Bank since its inception in 2004. She brings over 35 years of banking experience to her role. Prior to joining BayCom Corp, Ms. King was the Chief Branch Administrative Officer at Circle Bank in Novato, California, from 1999 to 2004. She also held the position of Vice President of Operations for Valencia Bank & Trust from 1987 to 1998.

    Lloyd W. Kendall Jr., Chairman of the Board and Founding Director

    Mr. Kendall serves as the Chairman of the Board and is a Founding Director of BayCom Corp, providing long-term strategic oversight and continuity to the company.

    Rick Pak, Executive Vice President and Chief Lending Officer of United Business Bank

    Mr. Pak is responsible for driving United Business Bank's lending operations and managing its credit portfolio. He possesses extensive experience in commercial banking and credit risk management.

    AI Analysis | Feedback

    The key risks to BayCom Corp (BCML) are primarily concentrated in its core banking operations and the broader economic and regulatory environment.

    1. Interest Rate Risk: As a bank holding company, BayCom Corp's profitability, particularly its net interest income, is highly sensitive to fluctuations in interest rates. Changes in interest rates can affect the value of its assets, expected revenues, credit quality, and the market value of its investment securities. For instance, a deceleration in economic growth and dropping interest rates are anticipated to impact net interest income.
    2. Credit Risk and Economic Downturns: The principal economic risk for BayCom stems from the creditworthiness of its borrowers and the value of underlying collateral for its diverse loan portfolio, which includes commercial and multifamily real estate loans, commercial and industrial loans, and agriculture-related loans. Downturns in the national economy or the regional economies where BayCom operates (California, Colorado, New Mexico, and Washington) can lead to unexpected credit losses, increased loan delinquencies, and write-offs, directly impacting the company's financial condition and results of operations.
    3. Regulatory Changes and Competition: BayCom operates within a highly regulated industry, making it susceptible to significant changes in banking laws or regulations that could increase compliance costs or restrict its business activities. Additionally, increased competition in the markets served by BayCom's United Business Bank, alongside advancements in financial technology, poses a risk to its market share, operational strategies, and overall profitability.

    AI Analysis | Feedback

    The clear emerging threat to BayCom comes from the rapid growth and increasing sophistication of Fintech companies and neobanks. These digital-first financial service providers offer convenient, tech-driven alternatives for deposits, lending, and payment processing, directly targeting BayCom's customer base of individuals and small to mid-sized businesses. This includes challenger banks that attract retail and small business deposits with competitive rates and superior digital experiences, as well as fintech lenders and payment platforms that provide faster, more agile loan products and financial tools, potentially bypassing traditional bank relationships for working capital and other business needs. The rise of embedded finance, where non-financial platforms integrate financial services, further challenges the traditional banking model by offering financial solutions within existing business workflows.

    AI Analysis | Feedback

    For BayCom (BCML), the addressable market sizes for its main products and services in its operating regions are as follows:

    • Deposits:
      • New Mexico: $13.72 billion (as of December 31, 2024)
      • Colorado: Approximately $84.12 billion (total deposits held at community bank branches, as of December 13, 2024)
      • California: null
      • Washington: null
    • Commercial & Multifamily Real Estate Loans:
      • California: $62.3 billion (Real Estate Loans & Collateralized Debt industry market size in 2026)
      • New Mexico: $1.2 billion (Real Estate Loans & Collateralized Debt industry market size in 2026)
      • Colorado: Approximately $13.7 billion (commercial real estate transaction volume in 2025)
      • Washington: null
    • Commercial & Industrial (C&I) Loans:
      • Colorado: The broader Commercial Banking industry, which includes commercial and industrial loans, has a market size of $16.9 billion in 2026.
      • New Mexico: New lending to businesses with revenues of $1 million or less was $1.5 billion in 2020.
      • Washington: The broader Commercial Banking industry, which includes commercial and industrial loans, has a market size of $17.7 billion in 2026.
      • California: null
    • Consumer Loans: null
    • Small Business Administration (SBA) Loans: null
    • Construction and Land Loans: (These are typically included within Commercial Real Estate Loans)
    • Agriculture-Related Loans: null

    AI Analysis | Feedback

    BayCom Corp (NASDAQ: BCML) is expected to drive future revenue growth over the next 2-3 years through several key strategies inherent to its community banking model. Here are the anticipated drivers of revenue growth: * Growth in Loan Portfolio: BayCom is projected to increase its interest income through the expansion of its diverse loan portfolio. The company's loan balances have shown growth, with total loans reaching $2.0 billion at December 31, 2024, and further increasing to $2.1 billion at December 31, 2025. This growth is expected to continue across its offerings, which include commercial and multifamily real estate loans, commercial and industrial loans, Small Business Administration (SBA) loans, and various consumer loans, catering to small and mid-sized businesses, professionals, and individuals. * Net Interest Margin Expansion: A significant driver for revenue is the effective management and expansion of the net interest margin. In the fourth quarter of 2025, the annualized net interest margin increased to 4.03% from 3.80% in the same quarter a year prior. This improvement is attributed to the repricing of adjustable-rate loans to higher rates and the origination of new loans at increased rates. Additionally, a decrease in interest expense on deposits also contributed to the rise in net interest income. * Deepening Market Penetration in Existing Geographic Regions: BayCom Corp operates through a network of branches primarily in California, Colorado, Washington, and New Mexico. The company aims to drive revenue growth by further penetrating these "attractive growth markets" and deepening relationships with its existing customer base of small to mid-sized businesses, service professionals, and individuals. This strategy involves attracting new clients and expanding the utilization of its financial services within these established regions. * Increase in Noninterest Income: While net interest income is a primary revenue source, growth in noninterest income is also expected to contribute to overall revenue. BayCom offers a variety of fee-based services such as online and mobile banking, remote deposit capture, treasury management, wire transfers, and debit cards. The company reported an $876,000 increase in noninterest income for the year ended December 31, 2023. Continued focus on expanding and cross-selling these services could provide additional revenue streams.

    AI Analysis | Feedback

    Share Repurchases

    • BayCom authorized a ninth stock repurchase program in May 2024, allowing for the buyback of up to 560,000 shares, or approximately 5% of currently outstanding shares, over a one-year period. This program will begin after the completion or expiration of the eighth program on April 21, 2025.
    • As of May 24, 2024, 12,627 shares remained available for repurchase under the company's eighth stock repurchase program, which was authorized in August 2023 for 0.59 million shares.
    • The company reported net share repurchases of approximately $9.25 million in 2024, $24.11 million in 2023, $17.96 million in 2022, and $11.55 million in 2021.

    Capital Expenditures

    • BayCom Corp invested $1.1 million in capital expenditures during Q3 2025, which marked a 49.0% increase from the previous quarter.
    • Capital expenditures in Q3 2025 were primarily focused on funding long-term assets and infrastructure.
    • Annual capital expenditures were approximately $62.19 million in 2024, $80.4 million in 2023, $53.94 million in 2022, and $60.36 million in 2021.

    Peer Outperformance in Regional Banks

    BCML has outperformed 76% of its 262 Regional Banks peers over 5Y. Among the peers that beat it are FBP and BPOP. Regional Banks ranks 8th of 18 industries in Financials by median 5Y return.
    Share of Regional Banks constituents that BCML has outperformed, by holding period. Peers without a full price history over a given window are excluded from that window.
    1Y
    17%
    of 281 industry peers · 13.8% return
    3Y
    26%
    of 273 industry peers · 61.4% return
    5Y
    76%
    of 262 industry peers · 79.8% return
    Regional Banks peers with revenue growth within 4pp of BCML's that beat it on at least 2 of 3 windows, and by at least 20pp over 5Y. Growth is matched by construction, so the gap is largely a re-rating gap. The multiple column is the context for it.
    Ticker Name Rev Growth 3Y Avg P/E 1Y3Y5Y 5Y Gap
    BCML BayCom -0.3% 25.7x 13.8%61.4%79.8% —
    FBP First BanCorp 2.9% 10.7x 33.9%101.1%117.2% +37pp
    BPOP Popular 2.8% 10.3x 41.4%144.6%117.1% +37pp
    Price returns, excluding dividends. P/E shown for context only and not used for matching.
    Median price return by industry across the Financials sector, ranked by 5Y. Regional Banks is BCML's own industry. Use this to see which corners of the sector have carried the returns.
    Industry Names 1Y med3Y med5Y med Top 3 by 5Y
    Reinsurance 6 33.1%75.7%125.1% SPNT 168% · RGA 162% · RNR 141%
    Investment Banking & Brokerage 13 -3.9%89.1%93.1% IBKR 305% · SNEX 152% · GS 141%
    Diversified Banks 12 30.0%140.4%90.3% CM 144% · RY 129% · JPM 127%
    Life & Health Insurance 20 14.3%52.3%75.4% JXN 514% · UNM 224% · FG 188%
    Property & Casualty Insurance 42 18.9%76.8%66.8% TRV 178% · PGR 172% · ACGL 168%
    Multi-Sector Holdings 3 10.1%53.8%59.4% BRK-B 99% · VOYA 59% · JEF 37%
    Multi-line Insurance 9 9.5%71.4%59.4% AIZ 105% · GNW 104% · L 98%
    Regional Banks ← 263 30.0%87.5%46.7% CBC 268% · FCNCA 176% · NIC 136%
    Insurance Brokers 15 5.5%13.4%33.4% LIFE 287% · ARX 89% · WTW 56%
    Financial Exchanges & Data 15 20.6%37.2%27.9% CBOE 183% · VIRT 131% · CME 71%
    Asset Management & Custody Banks 83 -5.9%22.8%12.3% VCTR 210% · AAMI 207% · WT 205%
    Consumer Finance 30 2.9%81.0%8.1% ENVA 330% · FCFS 130% · ECPG 111%
    Commercial & Residential Mortgage Finance 14 -46.5%36.8%2.5% FNMA 327% · FMCC 293% · ACT 158%
    Diversified Financial Services 4 -1.6%20.1%-1.1% FRHC 153% · EQH 71%
    Specialized Finance 3 15.8%31.5%-19.7% HASI -20% · CACC -24%
    Transaction & Payment Processing Services 17 19.3%9.1%-29.4% V 103% · MA 94% · CPAY 83%
    Mortgage REITs 35 -18.0%-6.1%-37.2% RITM 36% · DX 17% · AGNC 10%
    Diversified Capital Markets 20 -47.1%-8.5%-70.1% LPLA 83% · TW 38% · RIOT -53%
    Median of constituents with a full price history over each window. Top names are limited to companies above $2B market cap.

    Latest Trefis Analyses

    TitleDate
    0DASHBOARDS 
    1How Low Can BayCom Stock Really Go?10/17/2025
    Title
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    Financials

    BCMLNEWTATLOGBCNARASHFSMedian
    NameBayCom NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Price30.8610.6034.0033.7710.860.0420.86
    Mkt Cap0.30.30.3---0.3
    Rev LTM10527773-130-117
    Op Inc LTM-------
    FCF LTM26-74021-7-14
    FCF 3Y Avg26-37317---17
    CFO LTM28-73922-11-17
    CFO 3Y Avg28-37319---19

    Growth & Margins

    BCMLNEWTATLOGBCNARASHFSMedian
    NameBayCom NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Rev Chg LTM6.8%7.8%21.3%---7.8%
    Rev Chg 3Y Avg-0.3%26.8%8.1%---8.1%
    Rev Chg Q3.1%7.0%18.5%---7.0%
    QoQ Delta Rev Chg LTM0.7%1.7%4.3%---1.7%
    Op Inc Chg LTM-------
    Op Inc Chg 3Y Avg-------
    Op Mgn LTM-------
    Op Mgn 3Y Avg-------
    QoQ Delta Op Mgn LTM-------
    CFO/Rev LTM27.0%-267.4%30.3%-8.5%-17.8%
    CFO/Rev 3Y Avg28.2%-138.6%30.2%---28.2%
    FCF/Rev LTM25.1%-267.5%28.9%-5.5%-15.3%
    FCF/Rev 3Y Avg26.0%-138.7%27.9%---26.0%

    Valuation

    BCMLNEWTATLOGBCNARASHFSMedian
    NameBayCom NewtekOneAmes Nat.Georgia .Narragan.SHF  
    Mkt Cap0.30.30.3---0.3
    P/S3.21.14.2---3.2
    P/Op Inc-------
    P/EBIT-------
    P/E25.74.613.1---13.1
    P/CFO11.9-0.413.7---11.9
    Total Yield7.3%31.6%10.2%---10.2%
    Dividend Yield3.4%10.0%2.6%---3.4%
    FCF Yield 3Y Avg8.6%-103.1%8.5%---8.5%
    D/E0.11.80.1---0.1
    Net D/E0.10.6-1.6---0.1

    Returns

    BCMLNEWTATLOGBCNARASHFSMedian
    NameBayCom NewtekOneAmes Nat.Georgia .Narragan.SHF  
    1M Rtn-0.4%-5.3%5.4%-11.8%0.6%-94.9%-2.8%
    3M Rtn1.5%-27.9%9.0%-11.8%0.6%-98.3%-5.6%
    6M Rtn3.2%-20.1%20.8%-11.8%0.6%-99.4%-5.6%
    12M Rtn13.8%7.5%64.7%-11.8%0.6%-99.9%4.0%
    3Y Rtn61.5%-15.6%114.9%-11.8%0.6%-100.0%-5.6%
    1M Excs Rtn1.6%-1.7%8.1%-10.3%2.0%-92.3%-0.0%
    3M Excs Rtn3.0%-19.4%10.5%-10.9%1.4%-97.1%-4.7%
    6M Excs Rtn-1.6%-24.8%16.0%-16.6%-4.2%-105.8%-10.4%
    12M Excs Rtn3.8%-5.9%55.1%-25.3%-13.0%-118.1%-9.4%
    3Y Excs Rtn-12.8%-90.5%42.6%-95.2%-82.7%-212.1%-86.6%

    Comparison Analyses

    null

    Financials

    $ Mil | FY: 12/312026Q22026Q12025Q42025Q32025Q22025Q12024Q42024Q32024Q22024Q12023Q42023Q3
    Period End6/30/20263/31/202612/31/20259/30/20256/30/20253/31/202512/31/20249/30/20246/30/20243/31/202412/31/20239/30/2023
    Filing Date8/10/20265/11/20263/16/202611/7/20258/11/20255/9/20253/14/202511/12/20248/9/20245/10/20243/15/202411/13/2023
    Key Financials Quarterly            
    Total Revenue262726262524242524242626
    Net Income-787566666667
    EPS-0.640.750.630.460.580.510.550.540.500.510.550.56
    Key Financials TTM            
    Total Revenue TTM10510410199989797100101102104106
    Net Income TTM132624232423242425262729
    Growth Rates Quarterly            
    Total Revenue Growth3.1%11.3%11.3%2.0%5.0%-0.5%-9.3%-3.6%-6.5%-8.6%-5.1%-2.1%
    Net Income Growth-209.4%43.5%12.1%-16.8%13.6%-3.0%-4.3%-9.2%-22.3%-18.3%-16.1%-4.9%
    Margins Quarterly            
    Net Income Margin-27.2%30.2%26.2%19.3%25.6%23.4%26.0%23.6%23.7%24.0%24.6%25.1%
    Cash & Debt            
    Total Cash2624322423232522020818925178
    Total Debt472022238787878686878788
    Net Debt / (Cash)21-3-9-1646461-134-122-10362-90
    Cash Flows Quarterly            
    FCF from Operations5797698108583
    Cash Flows TTM            
    FCF from Operations TTM283032313335303124283138
    Returns to Shareholders Quarterly            
    Dividends333202-011111
    Share Repurchases-0-01141014425
    Return on Invested Capital (ROIC) Quarterly            
    ROIC-15.3%20.8%18.2%12.6%11.5%10.1%11.1%88.0%58.7%38.9%11.2%34.6%
    Return on Invested Capital (ROIC) TTM            
    ROIC TTM7.2%16.8%15.9%14.6%10.9%10.4%10.7%87.3%64.2%43.2%12.0%37.4%

    Segment Financials

    Revenue by Segment
    $ Mil20252024202320222021
    Banking operations14113813310184
    Total14113813310184


    Net Income by Segment
    $ Mil202520242023
    Banking operations242427
    Total242427


    Assets by Segment
    $ Mil202520242023
    Banking operations2,5942,6652,552
    Other assets000
    Total2,5942,6652,552


    Price Behavior

    Price Behavior
    Market Price$30.84 
    Market Cap ($ Bil)0.3 
    First Trading Date02/23/2007 
    Distance from 52W High-10.5% 
       50 Days200 Days
    DMA Price$30.53$30.17
    DMA Trendindeterminateindeterminate
    Distance from DMA1.0%2.2%
     3M1YR
    Volatility20.4%26.5%
    Downside Capture-15.6216.82
    Upside Capture7.6235.21
    Correlation (S&P 500)1.3%9.4%
    BCML Betas & Captures as of 10/31/2026

     1M2M3M6M1Y3Y
    Beta-0.030.070.130.000.170.69
    Up Beta-2.52-1.330.160.230.510.82
    Down Beta-0.48-0.16-0.08-0.10-0.380.58
    Up Capture42%50%23%3%24%39%
    Bmk +ve Days12182862130427
    Stock +ve Days11223063129384
    Down Capture17%14%9%-11%20%85%
    Bmk -ve Days10253664121325
    Stock -ve Days11203361120357

    [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
    BCML17.4%26.5%0.57-
    Sector ETF (XLF)11.1%15.2%0.4731.7%
    Equity (SPY)9.5%13.6%0.4110.3%
    Gold (GLD)3.6%28.7%0.11-4.0%
    Commodities (DBC)37.7%21.2%1.40-15.8%
    Real Estate (VNQ)12.0%14.2%0.5520.7%
    Bitcoin (BTCUSD)-20.8%43.3%-0.42-6.3%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 5-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BCML
    BCML13.3%28.4%0.45-
    Sector ETF (XLF)9.1%18.4%0.3644.5%
    Equity (SPY)11.3%17.3%0.4834.0%
    Gold (GLD)17.5%19.1%0.741.3%
    Commodities (DBC)8.0%19.6%0.297.0%
    Real Estate (VNQ)1.2%18.9%-0.0536.1%
    Bitcoin (BTCUSD)5.9%51.5%0.2916.1%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How
    Based On 10-Year Data
    Annualized
    Return    		Annualized
    Volatility    		Sharpe
    Ratio    		Correlation
    with BCML
    BCML4.2%37.0%0.23-
    Sector ETF (XLF)13.3%22.1%0.5448.2%
    Equity (SPY)14.9%18.0%0.7036.7%
    Gold (GLD)12.0%16.5%0.59-1.2%
    Commodities (DBC)7.6%18.1%0.3316.8%
    Real Estate (VNQ)5.7%20.7%0.2338.8%
    Bitcoin (BTCUSD)61.3%66.2%1.0115.7%

    Smart multi-asset allocation framework can stack odds in your favor. Learn How

    Short Interest

    Short Interest: As Of Date10152026
    Short Interest: Shares Quantity0.2 Mil
    Short Interest: % Change Since 9302026-4.2%
    Average Daily Volume0.1 Mil
    Days-to-Cover Short Interest2.8 days
    Basic Shares Quantity10.9 Mil
    Short % of Basic Shares1.6%

    Returns Analyses

    Earnings Returns History

    Updated 11/1/2026
    Expand for More
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/22/2026-4.5%-3.4% 
    7/23/2026-4.3%-8.8%-9.4%
    4/23/20261.4%3.3%6.9%
    1/22/2026-3.0%-3.4%-1.3%
    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%
    1/23/20252.2%6.2%-0.1%
    ...
    SUMMARY STATS   
    # Positive111214
    # Negative12118
    Median Positive1.5%3.0%5.0%
    Median Negative-2.4%-3.0%-5.0%
    Max Positive3.8%9.7%14.2%
    Max Negative-8.7%-9.4%-9.4%
     Collapse to Preview
     Forward Returns
    Earnings Date1D Returns5D Returns21D Returns
    10/22/2026-4.5%-3.4% 
    7/23/2026-4.3%-8.8%-9.4%
    4/23/20261.4%3.3%6.9%
    1/22/2026-3.0%-3.4%-1.3%
    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%
    1/23/20252.2%6.2%-0.1%
    10/17/20240.0%-0.4%11.4%
    7/18/20240.5%5.9%-4.8%
    4/18/20240.6%1.0%4.2%
    1/25/2024-0.0%-3.7%-6.9%
    10/19/20231.5%1.2%8.8%
    7/26/20232.0%3.5%1.1%
    4/20/2023-2.8%-1.9%-5.3%
    1/26/20231.5%9.7%7.5%
    10/20/2022-3.6%2.7%2.6%
    7/21/2022-8.7%-9.4%-5.8%
    1/27/20223.8%7.4%10.1%
    10/21/2021-0.3%0.7%4.6%
    7/22/20213.0%1.5%-2.8%
    4/22/20212.2%1.0%4.0%
    1/28/2021-2.0%-1.9%14.2%
    SUMMARY STATS   
    # Positive111214
    # Negative12118
    Median Positive1.5%3.0%5.0%
    Median Negative-2.4%-3.0%-5.0%
    Max Positive3.8%9.7%14.2%
    Max Negative-8.7%-9.4%-9.4%

    SEC Filings

    Expand for More
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/14/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/31/202310-K
    09/30/202211/10/202210-Q
     Collapse to Preview
    Report DateFiling DateFiling
    06/30/202608/10/202610-Q
    03/31/202605/11/202610-Q
    12/31/202503/16/202610-K
    09/30/202511/07/202510-Q
    06/30/202508/11/202510-Q
    03/31/202505/09/202510-Q
    12/31/202403/14/202510-K
    09/30/202411/12/202410-Q
    06/30/202408/09/202410-Q
    03/31/202405/10/202410-Q
    12/31/202303/15/202410-K
    09/30/202311/13/202310-Q
    06/30/202308/14/202310-Q
    03/31/202305/15/202310-Q
    12/31/202203/31/202310-K
    09/30/202211/10/202210-Q
    06/30/202208/15/202210-Q
    03/31/202205/16/202210-Q
    12/31/202103/31/202210-K
    09/30/202111/15/202110-Q
    06/30/202108/16/202110-Q
    03/31/202105/13/202110-Q
    12/31/202003/23/202110-K
    09/30/202011/06/202010-Q
    06/30/202008/10/202010-Q
    03/31/202005/08/202010-Q
    12/31/201903/16/202010-K
    09/30/201911/12/201910-Q

    Insider Activity

    Updated 8/25/2026
    Expand for More
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Laverne, Robert G DirectBuy824202629.851,00029,8502,764,946Form
    2Laverne, Robert G DirectBuy821202629.951,00029,9502,744,259Form
    3Baron, Christopher FPresident and CEODirectBuy811202630.398,250250,718281,016Form
    4Perdue, Michael J Family TrustBuy803202630.175,000150,850241,360Form
    5Perdue, Michael J Family TrustBuy526202630.943,00092,82092,820Form
     Collapse to Preview
    #OwnerTitleHoldingActionFiling DatePriceSharesTransacted
    Value    		Value of
    Held Shares    		Form
    1Laverne, Robert G DirectBuy824202629.851,00029,8502,764,946Form
    2Laverne, Robert G DirectBuy821202629.951,00029,9502,744,259Form
    3Baron, Christopher FPresident and CEODirectBuy811202630.398,250250,718281,016Form
    4Perdue, Michael J Family TrustBuy803202630.175,000150,850241,360Form
    5Perdue, Michael J Family TrustBuy526202630.943,00092,82092,820Form
    6Perdue, Michael J Managed TrustBuy526202630.942,00061,88061,880Form
    7Black, William JExecutive Vice ChairDirectBuy507202630.2226,549802,311999,738Form
    8Black, William JExecutive Vice ChairDirectBuy507202629.996,533195,925195,925Form

    Industry Resources

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