BayCom (BCML)
Market Price (4/25/2026): $29.43 | Market Cap: $320.7 MilSector: Financials | Industry: Regional Banks
BayCom (BCML)
Market Price (4/25/2026): $29.43Market Cap: $320.7 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 9.5%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.3%, FCF Yield is 9.3% 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 28% Megatrend and thematic driversMegatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement. | Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.3% Key risksBCML key risks include [1] significant exposure to economic downturns in its key regional markets of California, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 9.5%, Dividend Yield is 2.1%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 5.3%, FCF Yield is 9.3% |
| 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 28% |
| Megatrend and thematic driversMegatrends include Regional Economic Development & Community Banking. Themes include Local Business Lending, Personalized Financial Services, and Digital Community Engagement. |
| Weak revenue growthRev Chg 3Y AvgRevenue Change % averaged over trailing 3 years is 0.3% |
| 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. Mixed Fourth Quarter 2025 Earnings Performance and Outlook.
BayCom reported a mixed financial performance for the fourth quarter of 2025, with diluted earnings per share (EPS) of $0.63, missing analyst expectations of $0.65 by 3.08%. Revenue of $25.89 million also fell slightly short of estimates. Despite these misses, the company demonstrated underlying strength with a 37% increase in net income to $6.9 million from the previous quarter and an expanded net interest margin to 4.03% from 3.68% in Q3 2025. This combination of an earnings miss alongside positive operational growth provided a balanced, rather than strongly bullish, signal to the market.
2. Significant and Abrupt Executive Leadership Transition.
On April 9, 2026, BayCom announced an unexpected leadership change, terminating its long-tenured CEO, COO, and CFO without cause and appointing a new executive team. This strategic pivot, aimed at more aggressive balance-sheet expansion and potential mergers and acquisitions, led to an immediate negative market reaction, with the stock declining by 12.43% on April 10, 2026. The associated severance obligations, including a $4.4 million cash severance for the outgoing CEO, are also expected to impact near-term earnings.
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Stock Movement Drivers
Fundamental Drivers
The 1.2% change in BCML stock from 12/31/2025 to 4/24/2026 was primarily driven by a 2.7% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 12312025 | 4242026 | Change |
|---|---|---|---|
| Stock Price ($) | 29.09 | 29.43 | 1.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 99 | 101 | 2.7% |
| Net Income Margin (%) | 23.5% | 23.6% | 0.5% |
| P/E Multiple | 13.7 | 13.4 | -2.3% |
| Shares Outstanding (Mil) | 11 | 11 | 0.3% |
| Cumulative Contribution | 1.2% |
Market Drivers
12/31/2025 to 4/24/2026| Return | Correlation | |
|---|---|---|
| BCML | 1.2% | |
| Market (SPY) | 4.2% | 15.4% |
| Sector (XLF) | -6.1% | 30.5% |
Fundamental Drivers
The 4.4% change in BCML stock from 9/30/2025 to 4/24/2026 was primarily driven by a 4.6% change in the company's P/E Multiple.| (LTM values as of) | 9302025 | 4242026 | Change |
|---|---|---|---|
| Stock Price ($) | 28.18 | 29.43 | 4.4% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 98 | 101 | 3.2% |
| Net Income Margin (%) | 24.6% | 23.6% | -4.2% |
| P/E Multiple | 12.8 | 13.4 | 4.6% |
| Shares Outstanding (Mil) | 11 | 11 | 1.0% |
| Cumulative Contribution | 4.4% |
Market Drivers
9/30/2025 to 4/24/2026| Return | Correlation | |
|---|---|---|
| BCML | 4.4% | |
| Market (SPY) | 7.0% | 15.2% |
| Sector (XLF) | -4.2% | 35.4% |
Fundamental Drivers
The 21.2% change in BCML stock from 3/31/2025 to 4/24/2026 was primarily driven by a 17.1% change in the company's P/E Multiple.| (LTM values as of) | 3312025 | 4242026 | Change |
|---|---|---|---|
| Stock Price ($) | 24.29 | 29.43 | 21.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 97 | 101 | 4.4% |
| Net Income Margin (%) | 24.3% | 23.6% | -2.9% |
| P/E Multiple | 11.4 | 13.4 | 17.1% |
| Shares Outstanding (Mil) | 11 | 11 | 2.1% |
| Cumulative Contribution | 21.2% |
Market Drivers
3/31/2025 to 4/24/2026| Return | Correlation | |
|---|---|---|
| BCML | 21.2% | |
| Market (SPY) | 28.1% | 37.3% |
| Sector (XLF) | 4.3% | 45.6% |
Fundamental Drivers
The 87.1% change in BCML stock from 3/31/2023 to 4/24/2026 was primarily driven by a 56.0% change in the company's P/E Multiple.| (LTM values as of) | 3312023 | 4242026 | Change |
|---|---|---|---|
| Stock Price ($) | 15.73 | 29.43 | 87.1% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 101 | 101 | 0.5% |
| Net Income Margin (%) | 23.5% | 23.6% | 0.4% |
| P/E Multiple | 8.6 | 13.4 | 56.0% |
| Shares Outstanding (Mil) | 13 | 11 | 18.9% |
| Cumulative Contribution | 87.1% |
Market Drivers
3/31/2023 to 4/24/2026| Return | Correlation | |
|---|---|---|
| BCML | 87.1% | |
| Market (SPY) | 79.8% | 36.1% |
| Sector (XLF) | 67.0% | 47.7% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| BCML Return | 24% | 2% | 27% | 17% | 13% | -0% | 111% |
| Peers Return | 19% | -23% | 22% | 11% | 28% | 0% | 61% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 4% | 89% |
Monthly Win Rates [3] | |||||||
| BCML Win Rate | 67% | 50% | 67% | 58% | 58% | 50% | |
| Peers Win Rate | 44% | 48% | 58% | 52% | 62% | 58% | |
| 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 | -6% | -30% | -26% | -14% | -12% | -13% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: NEWT, ATLO, AGBK, NU, MTB.
[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 4/24/2026 (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, AGBK, NU, MTB
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
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
```htmlBayCom 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
nullAI 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.
- 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.
- 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.
- 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.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| How Low Can BayCom Stock Really Go? | 10/17/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
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| 03202026 | RYAN | Ryan Specialty | Insider | Insider Buys | Low D/EStrong Insider BuyingCompanies with strong insider buying in the last 1 month, positive operating income and reasonable debt / market cap | -2.7% | -2.7% | -8.5% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 21.28 |
| Mkt Cap | 0.4 |
| Rev LTM | 267 |
| Op Inc LTM | - |
| FCF LTM | 30 |
| FCF 3Y Avg | 29 |
| CFO LTM | 32 |
| CFO 3Y Avg | 31 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 12.3% |
| Rev Chg 3Y Avg | 6.8% |
| Rev Chg Q | 11.3% |
| QoQ Delta Rev Chg LTM | 2.7% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 31.4% |
| CFO/Rev 3Y Avg | 30.7% |
| FCF/Rev LTM | 29.7% |
| FCF/Rev 3Y Avg | 27.7% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.4 |
| P/S | 3.4 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 13.1 |
| P/CFO | 10.9 |
| Total Yield | 10.5% |
| Dividend Yield | 2.1% |
| FCF Yield 3Y Avg | 9.8% |
| D/E | 0.1 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | 1.4% |
| 3M Rtn | -2.1% |
| 6M Rtn | 13.0% |
| 12M Rtn | 24.4% |
| 3Y Rtn | 86.6% |
| 1M Excs Rtn | -7.3% |
| 3M Excs Rtn | -5.7% |
| 6M Excs Rtn | 6.3% |
| 12M Excs Rtn | -6.1% |
| 3Y Excs Rtn | -0.2% |
Price Behavior
| Market Price | $29.43 | |
| Market Cap ($ Bil) | 0.3 | |
| First Trading Date | 02/23/2007 | |
| Distance from 52W High | -9.9% | |
| 50 Days | 200 Days | |
| DMA Price | $29.33 | $28.60 |
| DMA Trend | up | indeterminate |
| Distance from DMA | 0.4% | 2.9% |
| 3M | 1YR | |
| Volatility | 31.9% | 28.4% |
| Downside Capture | 0.44 | 0.36 |
| Upside Capture | 66.38 | 62.44 |
| Correlation (SPY) | 12.6% | 25.5% |
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.18 | 0.09 | 0.23 | 0.29 | 0.59 | 0.74 |
| Up Beta | 0.45 | -0.03 | 1.12 | 1.15 | 0.74 | 0.85 |
| Down Beta | -0.14 | -0.50 | -0.20 | 0.06 | 0.46 | 0.67 |
| Up Capture | 40% | 44% | 25% | 21% | 46% | 50% |
| Bmk +ve Days | 7 | 16 | 27 | 65 | 139 | 424 |
| Stock +ve Days | 12 | 21 | 30 | 60 | 123 | 383 |
| Down Capture | 14% | 19% | 27% | 17% | 58% | 84% |
| Bmk -ve Days | 12 | 23 | 33 | 58 | 110 | 323 |
| Stock -ve Days | 10 | 21 | 33 | 65 | 127 | 354 |
[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 | 15.2% | 28.4% | 0.49 | - |
| Sector ETF (XLF) | 8.9% | 14.7% | 0.36 | 40.2% |
| Equity (SPY) | 34.0% | 12.6% | 2.05 | 25.4% |
| Gold (GLD) | 42.9% | 27.2% | 1.29 | -1.6% |
| Commodities (DBC) | 46.4% | 18.0% | 1.97 | -8.7% |
| Real Estate (VNQ) | 14.2% | 13.3% | 0.74 | 26.4% |
| Bitcoin (BTCUSD) | -16.6% | 42.1% | -0.32 | 10.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BCML | |
|---|---|---|---|---|
| BCML | 12.5% | 28.2% | 0.43 | - |
| Sector ETF (XLF) | 9.6% | 18.7% | 0.40 | 43.8% |
| Equity (SPY) | 12.7% | 17.1% | 0.58 | 35.2% |
| Gold (GLD) | 21.2% | 17.8% | 0.97 | 2.4% |
| Commodities (DBC) | 14.5% | 19.1% | 0.62 | 9.9% |
| Real Estate (VNQ) | 3.7% | 18.8% | 0.10 | 35.8% |
| Bitcoin (BTCUSD) | 7.0% | 56.3% | 0.34 | 16.8% |
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Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with BCML | |
|---|---|---|---|---|
| BCML | 3.5% | 37.8% | 0.22 | - |
| Sector ETF (XLF) | 12.7% | 22.2% | 0.53 | 48.4% |
| Equity (SPY) | 14.9% | 17.9% | 0.71 | 37.5% |
| Gold (GLD) | 13.9% | 15.9% | 0.73 | -0.8% |
| Commodities (DBC) | 10.1% | 17.8% | 0.47 | 18.6% |
| Real Estate (VNQ) | 5.4% | 20.7% | 0.23 | 39.1% |
| Bitcoin (BTCUSD) | 68.3% | 66.9% | 1.07 | 16.4% |
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Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.4% | ||
| 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% |
| 1/23/2025 | 2.2% | 6.2% | -0.1% |
| 10/17/2024 | 0.0% | -0.4% | 11.4% |
| 7/18/2024 | 0.5% | 5.9% | -4.8% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 12 | 12 | 15 |
| # Negative | 12 | 11 | 8 |
| Median Positive | 1.6% | 3.1% | 5.5% |
| Median Negative | -1.9% | -3.0% | -5.0% |
| 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 |
|---|---|---|
| 12/31/2025 | 03/16/2026 | 10-K |
| 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 |
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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