BayCom Corp
- Open
- 30.38
- Day high
- 30.38
- Day low
- 29.79
- Prev close
- 30.29
- Volume
- 35K
- Mkt cap
- $326M
- P/E (TTM)
- 24.9
- EPS (TTM)
- $1.20
- P/B
- 1.0
- P/S
- 2.3
- Yield
- 3.86%
- Per share
- $1.15
- ▲Insiders net buying $461K over the last 3 months (4 open-market buys, 0 sales)
- 🏛Institutions accumulating (13F)
BayCom Corp (BCML) is a Financial Services company listed on NASDAQ. The stock is up 0% over the past year. Over the trailing 3 months, insiders filed 4 open-market buys and 0 sales (SEC Form 4).
BayCom Corp (BCML) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
BCML earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 23, 2026 | $0.64 | $0.32 | -50.2% | $25M | -4.1% |
| Apr 23, 2026 | $0.62 | $0.75 | +21.0% | $27M | +3.0% |
| Mar 16, 2026 | — | $0.63 | — | $35M | — |
| Oct 23, 2025 | $0.52 | $0.46 | -11.7% | $26M | +2.0% |
| Jul 17, 2025 | $0.55 | $0.58 | +5.8% | $25M | +1.4% |
| Apr 17, 2025 | $0.52 | $0.51 | -1.7% | $24M | +1.3% |
| Mar 14, 2025 | — | $0.55 | — | $34M | — |
| Oct 17, 2024 | $0.51 | $0.54 | +5.9% | $25M | +7.7% |
| Jul 18, 2024 | $0.48 | $0.50 | +4.2% | $24M | -1.7% |
| Apr 18, 2024 | $0.56 | $0.51 | -9.3% | $24M | +1.4% |
| Mar 15, 2024 | — | $0.55 | — | $35M | — |
| Oct 19, 2023 | $0.53 | $0.56 | +5.7% | $26M | +7.0% |
BCML insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 25, 2026 | Laverne Robert G.director | Buy | 1,000 | $29.85 |
| Aug 21, 2026 | Laverne Robert G.director | Buy | 1,000 | $29.95 |
| Aug 11, 2026 | Baron Christopher Fdirector, officer: President and CEO | Buy | 8,250 | $30.39 |
| Aug 3, 2026 | PERDUE MICHAEL Jdirector | Buy | 5,000 | $30.17 |
| Jul 23, 2026 | Curley Mary Thereseofficer: EVP and Labor Services Div. | Grant | 15,000 | — |
| Jul 23, 2026 | Thompson Kevin Lofficer: EVP, Chief Financial Officer | Grant | 25,000 | — |
| Jul 23, 2026 | Baron Christopher Fdirector, officer: President and CEO | Grant | 52,500 | — |
| Jul 23, 2026 | Black William Jdirector, officer: Executive Vice Chair | Grant | 75,000 | — |
| Jul 1, 2026 | Magid Syvia L.director | Grant | 1,182 | — |
| Jul 1, 2026 | Chaudhary Harpreet S.director | Grant | 1,182 | — |
| Jul 1, 2026 | Amin Bhupen Bdirector | Grant | 1,182 | — |
| Jul 1, 2026 | PERDUE MICHAEL Jdirector | Grant | 1,182 | — |
| Jul 1, 2026 | Baron Christopher Fdirector, officer: President and CEO | Grant | 997 | — |
| Jul 1, 2026 | Thompson Kevin Lofficer: EVP, Chief Financial Officer | Grant | 532 | — |
| Jul 1, 2026 | Black William Jdirector, officer: Executive Vice Chair | Grant | 997 | — |
Source: BCML SEC Form 4 filings, latest Aug 25, 2026. For informational purposes only — not investment advice.
See the full BCML insider & 13F page →BayCom Corp company profile
Overview
BayCom Corp (NASDAQ:BCML) is a regional bank holding company that operates United Business Bank, serving small and mid-sized businesses, service professionals, and individuals across California, Colorado, Washington, and New Mexico. Founded in 2004 and incorporated under the name Bay Commercial Bank, the company went public in 2005 and rebranded to BayCom Corp in January 2017. The bank operates through a network of 33 full-service branches and has established itself as a community-focused financial institution with approximately $2.7 billion in total assets.
Business
BayCom Corp operates in the regional banking industry, providing traditional banking services through its subsidiary United Business Bank. Regional banks serve as intermediaries between depositors and borrowers within specific geographic markets, typically offering more personalized service than large national banks while maintaining broader capabilities than community banks. The company's core business revolves around two primary activities: deposit gathering and lending operations. On the deposit side, BayCom offers demand deposits (checking accounts), savings accounts, money market accounts, and time deposits (certificates of deposit) to attract funds from customers. These deposits form the bank's primary source of funding for its lending activities. The lending portfolio encompasses several key segments. Commercial and multifamily real estate loans represent a significant portion, including both owner-occupied properties where businesses operate their facilities and investor real estate for rental income generation. Commercial and industrial loans provide working capital lines of credit and equipment financing to businesses. The bank also originates Small Business Administration (SBA) loans, which are partially guaranteed by the federal government, reducing credit risk while serving smaller enterprises. Additional lending includes construction and land development loans, agriculture-related financing, and consumer loans such as personal lines of credit and installment loans. Beyond traditional banking, BayCom provides comprehensive treasury management services including online and mobile banking platforms, automated clearing house (ACH) services, wire transfers, remote deposit capture, and cash management solutions like sweep accounts and positive pay services. These ancillary services generate fee income while strengthening customer relationships.
Revenue model
BayCom generates revenue through the fundamental banking model of net interest income and fee-based services. The primary revenue driver is the interest rate spread between what the bank pays depositors and what it charges borrowers. This net interest margin forms the core of banking profitability, with the bank essentially "buying" money from depositors at lower rates and "selling" it to borrowers at higher rates. The bank's customers include small to mid-sized businesses requiring commercial loans, real estate investors seeking property financing, and individual consumers needing personal banking services. Commercial borrowers typically represent the highest-margin customers due to larger loan sizes and additional service needs. Several factors significantly impact BayCom's profitability margins. Interest rate environment changes directly affect net interest margins - rising rates can improve spreads if loan rates adjust faster than deposit costs, while falling rates may compress margins. Credit quality substantially influences profitability, as loan losses directly reduce net income and require provisions that impact earnings. Deposit competition in the bank's markets affects funding costs, with intense competition forcing higher deposit rates that squeeze margins. Regulatory compliance costs represent a significant expense factor, particularly for regional banks that must maintain robust compliance infrastructure without the scale economies of larger institutions. Economic conditions in the bank's geographic markets influence both loan demand and credit quality, while commercial real estate market dynamics are particularly important given the bank's concentration in this sector. Technology investments in digital banking capabilities require ongoing capital expenditure but are essential for competitive positioning and operational efficiency.
Competitive moat
BayCom's competitive moat is relatively narrow, characteristic of most regional banks operating in a commoditized industry. The bank's primary defensive advantages stem from established customer relationships and local market knowledge in its geographic footprint. Long-standing business relationships create some customer stickiness, as switching banks involves operational complexity and relationship disruption costs for commercial clients. The bank's geographic market presence in California, Colorado, Washington, and New Mexico provides local expertise and relationship advantages over larger national banks that may lack intimate knowledge of local market conditions. However, this geographic concentration also creates vulnerability to regional economic downturns. Regulatory barriers to entry provide some protection, as obtaining banking charters requires significant capital and regulatory approval. The bank's SBA lending expertise offers some differentiation, as this specialized knowledge and established SBA relationships create modest barriers for competitors. However, BayCom faces substantial competitive threats. Large national banks can offer broader services, better technology platforms, and more competitive pricing due to scale advantages. Credit unions operate with tax advantages and member-focused missions that can undercut pricing. Fintech companies increasingly provide banking services with superior digital experiences and lower cost structures. Direct lending platforms bypass traditional banks entirely for certain loan types. The banking industry's fundamental challenge is that deposit and lending services are largely commoditized, with limited ability to create sustainable differentiation. BayCom's moat is therefore weak, relying primarily on relationship inertia and local market positioning rather than unique competitive advantages.
Risks & safety
BayCom exhibits moderate financial safety characteristics typical of well-capitalized regional banks, though with some areas of concern. • Liquidity position: Cash and short-term investments of $21 million against $2.6 billion in total assets represents minimal liquidity buffer at 0.8% of assets • Debt levels: Debt-to-equity ratio of 0.27 indicates conservative leverage, though this primarily reflects customer deposits rather than traditional debt • Solvency risk: Low immediate solvency risk with positive operating cash flows of $30 million annually and consistent profitability • Valuation metrics: Trading at 0.85x book value suggests market discount to tangible book value; P/E ratio of 12.3x appears reasonable for regional bank • Asset quality concerns: Current ratio of 0.13 reflects banking industry structure where deposits (liabilities) far exceed liquid assets, requiring careful deposit management • Profitability trends: ROE of 7.3% for 2024 represents solid but not exceptional returns; net interest margin trends require monitoring in changing rate environment • Geographic concentration risk: Heavy exposure to California and Colorado real estate markets creates vulnerability to regional economic stress
Recent development
Based on available financial data, BayCom has focused on maintaining stable operations while navigating the challenging interest rate environment of recent years. The bank has demonstrated consistent profitability with net income ranging from $23.6 million to $27.4 million over the 2022-2024 period, though earnings declined from the 2023 peak of $27.4 million to $23.6 million in 2024. Revenue trends show some volatility, with total revenue declining from $105.3 million in 2022 to $97.1 million in 2024, reflecting the impact of changing interest rate dynamics on net interest margins. The bank has maintained positive operating cash flows exceeding $30 million annually, indicating solid underlying cash generation capabilities. The company has focused on prudent balance sheet management, maintaining total assets relatively stable around $2.5-2.7 billion while carefully managing deposit costs and loan portfolio quality. Asset growth has been modest, suggesting a focus on profitability over aggressive expansion during the uncertain interest rate environment. BayCom has continued investing in digital banking capabilities and treasury management services to enhance customer experience and generate fee income, though specific strategic initiatives are not detailed in the available financial statements. The bank's geographic footprint has remained stable with 33 branches, indicating a steady-state operational approach rather than aggressive expansion or contraction strategies.
BCML company profile · for informational purposes only — not investment advice.
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