Latest Ratios: P/E Ratio 15.3x · EV/EBITDA 10.0x · ROE 7.2%. (2004–2025 historical series)
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $365M | $320M | $302M | $285M | $249M | $204M | $182M | $287M | $224M | $127M | $81M |
| Enterprise Value | $361M | $316M | $366M | $353M | $309M | $264M | $233M | $286M | $207M | $122M | $74M |
| P/E Ratio → | 15.35 | 13.49 | 12.78 | 10.39 | 10.49 | 9.87 | 13.19 | 16.60 | 15.39 | 24.01 | 13.63 |
| P/S Ratio | 2.57 | 2.26 | 2.20 | 2.14 | 2.24 | 2.20 | 1.90 | 3.36 | 3.50 | 2.60 | 2.61 |
| P/B Ratio | 1.08 | 0.95 | 0.93 | 0.91 | 0.79 | 0.78 | 0.72 | 1.13 | 1.11 | 1.07 | 1.04 |
| P/FCF | 12.13 | 10.65 | 10.55 | 9.93 | 6.43 | 22.38 | 26.76 | 51.69 | 42.84 | 14.15 | 13.27 |
| P/OCF | 11.47 | 10.06 | 9.96 | 9.25 | 6.29 | 19.57 | 18.16 | 41.29 | 35.88 | 13.60 | 12.82 |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.23 | 2.66 | 2.65 | 2.78 | 2.85 | 2.44 | 3.34 | 3.24 | 2.49 | 2.38 |
| EV / EBITDA | 10.00 | 8.76 | 10.33 | 8.58 | 8.48 | 8.16 | 10.63 | 10.78 | 9.17 | 7.72 | 6.56 |
| EV / EBIT | 10.97 | 9.61 | 11.38 | 9.25 | 9.53 | 9.27 | 12.79 | 12.07 | 10.11 | 8.60 | 7.13 |
| EV / FCF | — | 10.50 | 12.76 | 12.30 | 7.98 | 28.95 | 34.37 | 51.44 | 39.65 | 13.58 | 12.09 |
Margins and return-on-capital ratios measuring operating efficiency
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 68.4% | 69.6% | 77.1% | 86.7% | 90.0% | 79.9% | 87.2% | 89.4% | 90.2% | 88.2% |
| Operating Margin | 23.2% | 23.2% | 23.3% | 28.7% | 29.2% | 30.7% | 19.1% | 27.7% | 32.0% | 29.0% | 33.3% |
| Net Profit Margin | 16.9% | 16.9% | 17.1% | 20.6% | 21.3% | 22.3% | 14.4% | 20.2% | 22.6% | 10.8% | 19.0% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 7.2% | 7.4% | 8.7% | 8.2% | 8.0% | 5.4% | 7.6% | 9.1% | 5.3% | 7.9% |
| ROA | 0.9% | 0.9% | 0.9% | 1.1% | 1.0% | 0.9% | 0.7% | 1.0% | 1.1% | 0.5% | 0.9% |
| ROIC | 6.4% | 6.4% | 5.9% | 7.1% | 6.5% | 6.2% | 4.4% | 7.3% | 9.1% | 10.2% | 10.3% |
| ROCE | 2.2% | 2.2% | 7.6% | 9.2% | 8.5% | 8.2% | 5.8% | 9.6% | 11.8% | 13.1% | 13.2% |
Solvency and debt-coverage ratios — lower is generally safer
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.27 | 0.28 | 0.28 | 0.32 | 0.35 | 0.09 | 0.04 | 0.10 | — |
| Debt / EBITDA | 0.62 | 0.62 | 2.45 | 2.12 | 2.45 | 2.62 | 4.06 | 0.90 | 0.36 | 0.72 | — |
| Net Debt / Equity | — | -0.01 | 0.20 | 0.22 | 0.19 | 0.23 | 0.20 | -0.01 | -0.08 | -0.04 | -0.09 |
| Net Debt / EBITDA | -0.12 | -0.12 | 1.79 | 1.65 | 1.65 | 1.85 | 2.35 | -0.05 | -0.74 | -0.32 | -0.64 |
| Debt / FCF | — | -0.15 | 2.21 | 2.37 | 1.55 | 6.56 | 7.61 | -0.25 | -3.19 | -0.57 | -1.18 |
| Interest Coverage | 0.80 | 0.80 | 0.79 | 1.34 | 3.13 | 3.24 | 2.05 | 2.71 | 4.15 | 3.28 | 3.37 |
Net cash position: cash ($27M) exceeds total debt ($22M)
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 55.06 | 55.06 | 0.03 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 0.06 | 0.06 |
| Quick Ratio | 55.06 | 55.06 | 0.03 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 0.06 | 0.06 |
| Cash Ratio | 7.14 | 7.14 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.8% | 2.1% | 1.1% | 1.3% | 0.8% | — | — | — | — | — | — |
| Payout Ratio | 27.6% | 27.6% | 14.3% | 13.3% | 8.5% | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.5% | 7.4% | 7.8% | 9.6% | 9.5% | 10.1% | 7.6% | 6.0% | 6.5% | 4.2% | 7.3% |
| FCF Yield | 8.2% | 9.4% | 9.5% | 10.1% | 15.6% | 4.5% | 3.7% | 1.9% | 2.3% | 7.1% | 7.5% |
| Buyback Yield | 1.9% | 2.2% | 3.1% | 8.5% | 7.2% | 5.7% | 10.1% | 3.8% | 0.0% | 0.0% | 1.1% |
| Total Shareholder Yield | 3.7% | 4.2% | 4.2% | 9.7% | 8.0% | 5.7% | 10.1% | 3.8% | 0.0% | 0.0% | 1.1% |
| Shares Outstanding | — | $11M | $11M | $12M | $13M | $11M | $12M | $13M | $10M | $7M | $5M |
CRE portfolio refinancing risk
According to current market data, BCML trades at a P/B of 1.05, which suggests that investors are pricing the bank as a commodity balance sheet rather than a premium franchise, likely reflecting concerns over the bank's ability to generate superior returns on its multi-state footprint.
The current P/B multiple of 1.05 indicates that the market is not assigning a significant premium to the bank's M&A-driven growth strategy. This valuation implies that investors remain cautious about the bank's ability to scale its hub-and-spoke model into a more profitable, high-ROTCE franchise.
As reported in the quarterly financial data, BCML's ROE has remained compressed in the low single digits, specifically 2.4% in 2026Q1, which indicates that the bank's profitability is currently strained by a combination of thin net interest margins and high operating expenses relative to revenue.
The DuPont decomposition suggests that the bank's profitability is hampered by a low NIM of 1.0% and an efficiency ratio that remains elevated. The lack of significant non-interest income contribution further limits the bank's ability to drive ROE expansion without taking on excessive leverage.
Based on the provided financial statements, BCML's NIM has hovered around 0.9% to 1.0% over the last ten quarters, a trend that suggests the bank is struggling to maintain pricing power in its competitive Western US markets while managing a high fixed-cost branch network.
The efficiency ratio, which fluctuated between 42.9% and 47.5% during the observed period, highlights the difficulty of maintaining cost discipline across a 33-branch footprint. This operational structure appears to be a drag on profitability, as the bank has not yet achieved the scale necessary to drive significant operating leverage.
As indicated by comparative peer data, BCML's ROE of 2.4% significantly lags behind regional peers like Banner Corporation and Hanmi Financial, which report ROEs in the 10% range, suggesting that BCML's current performance gap is structural rather than purely cyclical.
The valuation gap between BCML and its peers, such as HTBK and BANR, appears to be driven by the bank's lower profitability metrics and its reliance on inorganic growth. Investors should monitor whether the bank can improve its core earnings power to close this performance disparity.
The P/E ratio is the most commonly misapplied metric for BCML, as it obscures the volatility introduced by lumpy SBA gain-on-sale income and the accounting impact of M&A-related expenses, which can lead to a distorted view of the bank's underlying earnings quality.
Analysts should prioritize P/TBV over P/E when evaluating BCML, as the latter is highly sensitive to non-recurring items and provisioning changes. Focusing on tangible book value provides a more accurate assessment of the bank's capital base and its long-term value creation potential.
Includes 30+ ratios · 19 years · Updated daily
DCF models, multiple analysis, and analyst estimates.
10-year return with dividends reinvested.
See how regular investing compounds over time.
Compare growth, multiples, and margins vs sector.
Quick answers to the most common questions about buying BCML stock.
BayCom Corp's current P/E ratio is 15.3x. The historical average is 15.4x. This places it at the 61th percentile of its historical range.
BayCom Corp's current EV/EBITDA is 10.0x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.5x.
BayCom Corp's return on equity (ROE) is 7.2%. The historical average is 6.9%.
Based on historical data, BayCom Corp is trading at a P/E of 15.3x. This is at the 61th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
BayCom Corp's current dividend yield is 1.81% with a payout ratio of 27.6%.
BayCom Corp has 68.4% gross margin and 23.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
BayCom Corp's Debt/EBITDA ratio is 0.6x, indicating low leverage. A ratio below 2x is generally considered financially healthy.