BayCom Corp
General ticker "BCML" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $313.5M (TTM average)
BayCom Corp follows the US Stock Market performance with the rate: 42.2%.
Estimated limits based on current volatility of 1.2%: low 30.48$, high 31.20$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-03-12, amount 0.30$ (Y3.87%)
- Total employees count: 324 (-9.5%) as of 2024
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Real estate concentration, Liquidity and credit risks, Commercial loan risks, Deposit attrition, Vendor performance
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [25.77$, 34.39$]
- 2026-12-31 to 2027-12-31 estimated range: [25.85$, 34.91$]
Financial Metrics affecting the BCML estimates:
- Positive: with PPE of 14.2 at the end of fiscal year the price was neutral
- Positive: Operating profit margin, % of 23.17 > 18.38
- Positive: 6.65 < Operating cash flow per share per price, % of 9.46
- Positive: -3.52 < Return on assets ratio (scaled to [-100,100]) of 0.91
- Negative: Shareholder equity ratio, % of 13.05 <= 19.44
- Negative: Interest expense per share per price, % of 12.16 > 3.30
- Negative: Investing cash flow per share per price, % of -26.98 <= -14.22
Short-term BCML quotes
Long-term BCML plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $132.91MM | $137.71MM | $141.83MM |
| Operating Expenses | $94.75MM | $105.58MM | $108.97MM |
| Operating Income | $38.16MM | $32.12MM | $32.87MM |
| Non-Operating Income | $0.00MM | $0.00MM | $-0.25MM |
| Interest Expense | $28.46MM | $40.57MM | $40.94MM |
| Income(Loss) | $38.16MM | $32.12MM | $32.62MM |
| Taxes | $10.73MM | $8.51MM | $8.69MM |
| Profit(Loss)* | $27.43MM | $23.61MM | $23.93MM |
| Stockholders Equity | $312.87MM | $324.37MM | $338.55MM |
| Assets | $2,551.96MM | $2,664.51MM | $2,593.68MM |
| Operating Cash Flow | $30.80MM | $30.36MM | $31.83MM |
| Capital expenditure | $2.12MM | $1.70MM | $1.75MM |
| Investing Cash Flow | $80.40MM | $-62.19MM | $-90.79MM |
| Financing Cash Flow | $19.52MM | $88.32MM | $-98.56MM |
| Earnings Per Share** | $2.27 | $2.10 | $2.20 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.