BayCom/$BCML
1D1W1M3M6MYTD1Y5YMAX
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
- 323
- Headquarters
- Walnut Creek, United States
- Website
- www.unitedbusinessbank.com
BayCom Metrics
BasicAdvanced
$338M
36.86
$0.85
0.33
$1.20
3.85%
Price and volume
Market cap
$338M
Beta
0.33
52-week high
$34.98
52-week low
$26.82
Average daily volume
63K
Dividend rate
$1.20
Financial strength
Profitability
Net profit margin (TTM)
10.03%
Operating margin (TTM)
15.71%
Effective tax rate (TTM)
36.16%
Revenue per employee (TTM)
$280,000
Management effectiveness
Return on assets (TTM)
0.35%
Return on equity (TTM)
2.76%
Valuation
Price to earnings (TTM)
36.863
Price to revenue (TTM)
3.697
Price to book
1.01
Price to tangible book (TTM)
1.15
Dividend yield (TTM)
3.85%
Forward dividend yield
3.85%
Growth
Revenue change (TTM)
-3.12%
Earnings per share change (TTM)
-59.74%
3-year revenue growth (CAGR)
-4.55%
3-year earnings per share growth (CAGR)
-28.44%
10-year earnings per share growth (CAGR)
4.47%
3-year dividend per share growth (CAGR)
50.79%
What the Analysts think about BayCom
Analyst ratings (Buy, Hold, Sell) for BayCom stock.
Analyst projections of the future price of BayCom stock.
Bulls say / Bears say
Core banking momentum improved: third-quarter net interest margin rose to 4.11%, while loans grew 3.7% and deposits 5.6%. Deposits cost just 1.57% on average, helping support the wider margin. (Financial Times)
BayCom has repositioned bonds towards higher-yielding, shorter-duration assets. Management expects the new securities to earn about 122 basis points more, which could support future income and reduce interest-rate risk, though the sale caused a sizeable one-off loss. (Financial Times)
Credit indicators and capital provide some protection: third-quarter net charge-offs were just $13,000, classified assets fell 11.1% to $31.7 million, and the common equity tier 1 ratio was 13.91%. (Financial Times)
Profit remains weak despite the return to a quarterly profit: third-quarter net income was $1.1 million, down from $5.0 million a year earlier, and reported EPS missed analyst expectations by $0.46. (Financial Times, Investing.com)
Delinquencies point to renewed commercial property risk: loans 30–89 days past due rose by $10.1 million to $12.4 million, including an $8.5 million hotel loan, while nonaccrual loans also increased and remain concentrated in commercial real estate. (Financial Times)
Management turnover and costs remain an execution risk. Three senior departures drove $10.5 million of second-quarter transition expenses, while third-quarter noninterest expenses were still 10.7% higher than a year earlier. (BayCom Corp, Financial Times)
Data summarised monthly by Lightyear AI. Last updated on 23 Oct 2026.
BayCom Financial Performance
Revenues and expenses
BayCom Earnings Performance
Company profitability
Upcoming events
No upcoming events
BayCom News
AllArticlesVideos
Funds containing BayCom
Fund name | Fund size | $BCML weighting |
|---|---|---|
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.01% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.01% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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