BayCom/$BCML
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Capital at risk
About BayCom
BayCom Corp is a bank holding company for United Business Bank. It provides a broad range of financial services to businesses and business owners as well as individuals through its full-service branches and loan production office. The company targets its services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor unions, and related nonprofit entities and businesses, and individual consumers. Its products and services include deposit products, personal accounts, loans, online banking, cash management, and business savings services. The Company operates as one reportable segment: banking operations.
- Ticker
- $BCML
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 327
- Headquarters
- Walnut Creek, United States
- Website
- www.unitedbusinessbank.com
BayCom Metrics
BasicAdvanced
$322M
24.79
$1.20
0.30
$1.15
4.04%
Price and volume
Market cap
$322M
Beta
0.3
52-week high
$34.98
52-week low
$26.78
Average daily volume
55K
Dividend rate
$1.15
Financial strength
Dividend payout ratio (TTM)
87.62%
Profitability
Net profit margin (TTM)
13.67%
Operating margin (TTM)
31.80%
Effective tax rate (TTM)
34.36%
Revenue per employee (TTM)
$290,000
Management effectiveness
Return on assets (TTM)
0.50%
Return on equity (TTM)
3.93%
Valuation
Price to earnings (TTM)
24.793
Price to revenue (TTM)
3.389
Price to book
0.96
Price to tangible book (TTM)
1.09
Price to free cash flow (TTM)
12.22
Free cash flow yield (TTM)
8.18%
Free cash flow per share (TTM)
2.433
Dividend yield (TTM)
3.87%
Forward dividend yield
4.04%
Growth
Revenue change (TTM)
-0.90%
Earnings per share change (TTM)
-45.00%
3-year revenue growth (CAGR)
-3.30%
3-year earnings per share growth (CAGR)
-19.11%
10-year earnings per share growth (CAGR)
8.27%
3-year dividend per share growth (CAGR)
56.50%
Bulls say / Bears say
Loans grew 3.2% in the second quarter, while the average cost of deposits fell seven basis points to 1.56%. That combination suggests BayCom can still expand its commercial lending franchise while gaining some relief from funding costs. (BayCom Corp, BayCom Corp)
Asset quality improved during the second quarter: non-performing loans fell to $9.8 million, or 0.47% of loans, from 0.83% at the previous quarter-end. Pay-offs, loan sales and low delinquency levels outside commercial real estate reduce the immediate scale of credit risk. (BayCom Corp, BayCom Corp)
The new leadership team is targeting faster organic growth and larger, transformational acquisitions after a four-year dealmaking lull. If it executes, BayCom could improve earnings power, broaden its Western regional footprint and earn a higher valuation multiple. (BayCom Corp, Banking Dive)
BayCom swung to a $7.0 million second-quarter loss, while first-half net income fell to $1.2 million from $12.1 million a year earlier. The $10.5 million executive-transition charge was exceptional, but the leadership overhaul still creates execution and retention risk. (BayCom Corp, BayCom Corp)
Credit costs have worsened, with a $5.2 million second-quarter provision and $2.8 million of net charge-offs, mainly linked to commercial real estate. Although non-performing loans fell after pay-offs and sales, new CRE problems and a higher allowance point to continuing downside risk. (BayCom Corp, BayCom Corp)
Deposits fell 4.2% quarter on quarter to $2.17 billion, and non-interest-bearing deposits declined to 26.6% of the total from 28.2% a year earlier. A smaller and less favourable funding mix could constrain loan growth and net interest income. (BayCom Corp, BayCom Corp)
Data summarised monthly by Lightyear AI. Last updated on 20 Sept 2026.
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Funds containing BayCom
Fund name | Fund size | $BCML weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.00% |
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