BCML logo

BAYCOM CORP

BCMLNASDAQ
πŸ† #3290 by market capEarnings Oct 22US Equity
$30.78β–Ό $0.09 (βˆ’0.29%)
πŸŒ™ After hours$30.78β–² 0.00%Regular close Β· extended-hours price shown
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24hβ–Ό 0.3%
7dβ–² 2.7%
14dβ–² 1.2%
30dβ–² 1.4%
ytdβ–² 3.1%
1yβ–² 3.3%
🏦Market Cap
$336M
Small Cap
πŸ“ˆRevenue Growth (YoY)
+3.0%
Slowing
πŸ“ŠGross Margin
67.4%
High
πŸ’΅FCF Margin
18.6%
Healthy
βš–οΈP/S Ratio
2.3x
Cheap
Otter Score
80
Good

Trading Snapshot

Day Range
$30.44 – $31.12
52-Week Range
$26.78 – $34.98
Volume
$2.05B
Avg Volume
$2.28B
Shares Outstanding
10.9M
Next Earnings
Dec 6, 2026

Fundamentals Snapshot

Annual Revenue
$142M
Last Q Revenue
$34M
P/E Ratio
25.7
P/S Ratio
2.3x
EPS (TTM)
$1.20
Dividend Yield
3.90%
Dilution (1yr)
βˆ’2.0%

Why Investors Own BCML

  • βœ“High-growth profile β€” revenue up +33.9% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 79% gross margin and 13% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BCML logo

BAYCOM CORP

BCML
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$142Mβ–² +3.0% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
68.4%β–Ό βˆ’1.7% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$33Mβ–² +2.3% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$30Mβ–² +5.0% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
10.9Mβ–Ό βˆ’2.0% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
$4Mβ–² +$68M YoY
StockOtter Β· stockotter.space

About BAYCOM CORP

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It also offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier’s and travelers checks; letters of credit; and lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Good
80/100

Analyst Ratings

β“˜
Consensus
Sell
8 analysts
Strong Buy0
Buy0
Hold5
Sell1
Strong Sell2
Ratings as of Sep 2026

Latest News & Updates

Business WireΒ·Aug 19

Baycom Corp Announces Cash Dividend

WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (NASDAQ: BCML) (β€œBayCom” or the β€œCompany”), the parent company of United Business Bank, today announced that its Board of Directors declared a quarterly cash dividend of

Zacks Investment ResearchΒ·Aug 11

Is the Options Market Predicting a Spike in Bay Commercial Bank Stock?

Investors need to pay close attention to BCML stock based on the movements in the options market lately.

Zacks Investment ResearchΒ·Jul 31

New Strong Sell Stocks for July 31st

BLND, AXSM and BCML have been added to the Zacks Rank #5 (Strong Sell) List on July 31, 2026.

Zacks Investment ResearchΒ·Jul 23

Bay Commercial Bank (BCML) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates

Although the revenue and EPS for Bay Commercial Bank (BCML) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates

Zacks Investment ResearchΒ·Jul 23

Bay Commercial Bank (BCML) Q2 Earnings and Revenues Miss Estimates

Bay Commercial Bank (BCML) came out with quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.64 per share. This compares to earnings of $0.58 per share a year ago.

Business WireΒ·Jul 23

BayCom Corp Announces 2026 Second Quarter Results

WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (β€œBayCom” or the β€œCompany”) (NASDAQ: BCML), the holding company for United Business Bank (the β€œBank”), today announced a net loss of $7.0 million, or $(0.64) per diluted