BayCom Corp (BCML)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 87 | 84 | 101 | 104 | 97 | 101 | 104 | - |
| Operating profit | $m | 33 | 20 | ||||||
| Net profit | $m | 14 | 21 | 24 | 27 | 24 | 24 | 13 | 22 |
| EPS reported | $ | 2.18 | 1.20 | ||||||
| Operating cashflow per share | $ | 2.92 | 2.59 | ||||||
| Capex per share | $ | 0.16 | 0.16 | ||||||
| FCF per share | $ | 2.76 | 2.43 | ||||||
| Free cash flow | $m | 30 | 27 | ||||||
| Net debt | $m | -198 | -174 | ||||||
| Book value equity | $m | 339 | 335 | ||||||
| Book value per share | $ | 31.07 | 30.74 | ||||||
| Number of shares | m | 10.9 | 10.91 | ||||||
| DPS (TTM paid) | $ | 0.90 | 1.20 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.49 | 25.73 | ||||||
| P/B LTM | x | 0.95 | 0.96 | ||||||
| P/S LTM | x | 3.18 | 3.08 | ||||||
| P/FCF LTM | x | 10.65 | 12.07 | ||||||
| EV/EBITDA LTM | x | 8.76 | 14.33 | ||||||
| EV/Sales LTM | x | 2.23 | 2.52 | ||||||
| Earnings Yield LTM | % | +7.41% | +3.89% | ||||||
| FCF Yield | % | +9.39% | +8.29% | ||||||
| Quality | |||||||||
| ROE | % | +7.07% | +3.87% | ||||||
| ROIC | % | +9.91% | +0.51% | ||||||
| Operating margin | % | +23.17% | +13.95% | ||||||
| Gross margin | % | +68.45% | +67.43% | ||||||
| FCF/Sales | % | +21.21% | +18.57% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +3.81% | -42.86% | ||||||
| Sales Growth YoY | % | +3.87% | +7.25% | ||||||
| Net Income Growth YoY | % | +1.34% | -44.60% | ||||||
| FCF Growth | % | +4.99% | -7.37% | ||||||
| Operating Profit Growth | % | +2.33% | -37.95% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.06% | +3.73% | ||||||
| Dividend Growth | % | +100.00% | +166.67% | ||||||
| Payout Ratio | % | +27.78% | +87.55% | ||||||
| FCF/Debt | x | 1.34 | 0.57 | ||||||
| Net Debt/EBITDA | x | -0.12 | 1.13 | ||||||
| EBIT/Net interest | x | 0.80 | 0.51 | ||||||
| Net debt/market cap | % | +2.72% | +9.19% | ||||||
| Net debt/Equity | x | -0.58 | -0.52 | ||||||
| Gross debt/equity | x | 0.07 | 0.14 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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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