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BayCom Corp(BCML)Earnings, Financials & Key Ratios
BCML•NASDAQ•Banking & Credit
$33.46
15.3× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBayCom 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 offers demand, savings, money market, and time deposit accounts. It also provides 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 offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; 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.Show more
- Net Interest Income$94M+4.6%
- Total Revenue$142M+3.0%
- Net Income$24M+1.3%
- Return on Equity7.22%-2.6%
- Net Interest Margin3.61%+7.4%
- Efficiency Ratio45.27%-2.2%
- ROA0.91%+0.5%
- Equity / Assets13.05%+7.2%
- Book Value per Share31.07+7.9%
BCML Price & Volume
BayCom Corp (BCML) stock price & volume — 10-year historical chart
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Stagnant Asset Growth Masks CRE Refinancing Risks
Investment Thesis • Updated 2026Q1
VerdictNeutral
Growth:Mixed
Profitability:Moderate
Financial:Healthy
Cash Flow:Stable
Primary Risk:CRE portfolio refinancing risk
Key Thesis Takeaways
- BayCom Corp has transitioned into a period of balance sheet digestion, evidenced by total assets remaining flat at $2.6 billion since 2024Q1.
- While the bank achieved a 12.1% year-over-year growth in net interest income as of 2026Q1, its heavy reliance on a $2.2 billion investment securities portfolio and concentrated commercial real estate exposure warrants caution.
- Investors should monitor the bank's ability to manage its 45.7% efficiency ratio and potential credit volatility within its multi-state footprint.
Verdict Logic
while the bank maintains a healthy 13% equity-to-assets ratio, the stagnant asset base and sensitivity to CRE refinancing risks suggest limited upside at the current 1.05 P/B valuation.
BCML Growth Metrics
BayCom Corp (BCML) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18%
5 Years8.21%
3 Years8.43%
TTM-
Profit CAGR
10 Years12.37%
5 Years11.76%
3 Years0.28%
TTM12.67%
EPS CAGR
10 Years4.83%
5 Years13.65%
3 Years6.4%
TTM15.24%
Return on Capital
10 Years8.92%
5 Years7.12%
3 Years6.31%
Last Year2.18%
BCML Recent Earnings
BayCom Corp (BCML) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 4/12 qtrs (44%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$0.75+21.0%
$0.62
Rev
$27M+3.0%
$26M
Q2 2026
Mar 16, 2026Metric
Actual
Est
EPS
$0.63
—
Rev
$35M
—
Q1 2026
Jan 29, 2026Metric
Actual
Est
EPS
$0.63-3.1%
$0.65
Rev
$26M-1.9%
$26M
Q1 2026
Jan 22, 2026Metric
Actual
Est
EPS
$0.63-3.1%
$0.65
Rev
$26M-1.9%
$26M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $0.75vs $0.62+21.0% | $27Mvs $26M+3.0% |
| Q2 2026 | Mar 16, 2026 | $0.63 | $35M |
| Q1 2026 | Jan 29, 2026 | $0.63vs $0.65-3.1% | $26Mvs $26M-1.9% |
| Q1 2026 | Jan 22, 2026 | $0.63vs $0.65-3.1% | $26Mvs $26M-1.9% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for BayCom Corp (BCML)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $33.46 | $365.03M | 15.35 | 3% | 16.87% | 7.22% | 1.81% | |
| $22.58 | $3.06B | 14.86 | -2.33% | 32.4% | 9.16% | — | |
| $32.17 | $957.59M | 12.82 | 3.55% | 18.42% | 10.31% | — | |
| $13.45 | $828.43M | 17.24 | 5.84% | 17.97% | 6.83% | — | |
| $37.65 | $2.78B | 14.32 | -1.58% | 18.26% | 8.36% | — | |
| $67.33 | $2.29B | 11.94 | -0.95% | 24.82% | 10.66% | — |
Compare BCML vs Peers
BayCom Corp (BCML) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BCML SEC Filings & Documents
BayCom Corp (BCML) SEC filings — annual & quarterly reports (10-K, 10-Q)
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BCML Frequently Asked Questions
BayCom Corp (BCML) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is BayCom Corp growing?
BayCom Corp (BCML) grew revenue by 3.0% over the past year. Growth has been modest.
Is BCML profitable?
Yes, BayCom Corp (BCML) is profitable, generating $26.4M in net income for fiscal year 2025 (16.9% net margin).
Dividend & Returns
Does BCML pay dividends?
Yes, BayCom Corp (BCML) pays a dividend with a yield of 1.81%. This makes it attractive for income-focused investors.
What is BCML's return on equity?
BayCom Corp (BCML) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.
Industry Metrics
What is BayCom Corp's net interest margin?
BayCom Corp (BCML) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.
What is BayCom Corp's efficiency ratio?
BayCom Corp (BCML) has an efficiency ratio of 45.3%. This is excellent, indicating strong cost control.