BayCom (BCML) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

BayCom

NasdaqGS•Financial Services•Banks - Regional

$30.31+0.28(0.01%)After hours

Market Cap

$327.61M

P/E

25.0x

P/S

2.3x

P/B

1.0x

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.

How this company scores

WeakMetricSide Score: 53/100

Grade capped at D — Interest coverage below 1× (0.6x) — earnings cannot cover interest. Strongest: Balance Sheet & Red Flags (18/25); weakest: Profitability (8/25).

Profitability8/25

Growth11/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality16/25

Strengths

Low leverageCash-backed earningsConsistent free cash flowImproving leverage

Grade capped at D

Interest coverage below 1× (0.6x) — earnings cannot cover interest.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 25.0x5y range 7.1x – 25.0x

Currently above its 20-quarter median.

P/S · 2.3x5y range 1.7x – 2.8x

Currently near its 20-quarter median.

P/B · 1.0x5y range 0.7x – 1.0x

Watch items

Data-driven signals worth keeping an eye on across the last 8 quarters

High Risk

Margin Pressure

Red Flag

Operating margins dropped 42.7% over recent quarters — a sharp decline suggesting serious cost or pricing challenges.

Price & Volume

Market Cap $327.61M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $142.25M
Q. Revenue: $33.73M
TTM EBITDA: $23.99M
TTM Op. Income: $19.93M
Q. Op. Income: $-7.18M
TTM Net Income: $13.08M
Q. Net Income: $-6.96M
EPS: $-0.64
Shares Out.: $10.91M

$142.25M in TTM revenue grew 2.0% YoY, reaching $33.73M last quarter. TTM EBITDA of $23.99M and TTM operating income of $19.93M show growth is flowing through to the bottom line. TTM net income of $13.08M means revenue is converting into profit. Over the past year, TTM revenue is up 2% — a weakening trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 74.7%
EBITDA Margin: -19.8%
Op. Margin: -21.3%
Net Margin: -20.6%

Op. margin of -21.3% is down 46.2% YoY — costs are rising relative to revenue. Net margin at -20.6% and gross margin of 74.7% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 185% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 25.0x
P/S Ratio: 2.3x
P/B Ratio: 1.0x

At 25.0x P/E, the stock trades within typical market levels. P/S of 2.3x and P/B of 1.0x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 99% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $2.58B
Cash: $177.38M
Long-Term Debt: $5.89M
Book Value: $335.39M
D/E Ratio: 0.0
Debt/EBITDA: N/A

With $2.58B in assets and $5.89M in long-term debt, D/E is 0.0and book value is $335.39M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 33% — a weakening trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $5.13M
TTM Free Cash Flow: $26.55M
FCF Margin: 18.7%
FCF / Net Income: 2.0

TTM FCF of $26.55M on $5.13M in operating cash flow. The FCF / Net Income ratio of 2.0x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has fallen for 2 consecutive quarters — a weakening trend.