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BCMLBayCom Corp
$31.55$344M
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BCML logoBayCom Corp(BCML)Earnings, Financials & Key Ratios

BCML•NASDAQ•Banking & Credit
14.5× P/E·Price updated Jun 19, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutBayCom 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 offers demand, savings, money market, and time deposit accounts. It also provides 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 offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; 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.Show more
  • Net Interest Income$94M+4.6%
  • Total Revenue$142M+3.0%
  • Net Income$24M+1.3%
  • Return on Equity7.22%-2.6%
  • Net Interest Margin3.61%+7.4%
  • Efficiency Ratio45.27%-2.2%
  • ROA0.91%+0.5%
  • Equity / Assets13.05%+7.2%
  • Book Value per Share31.07+7.9%

BCML Key Insights

BayCom Corp (BCML) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Company is almost debt free
  • ✓Strong Piotroski F-Score: 8/9
  • ✓Strong NIM of 3.6%
  • ✓Efficient operations: 45.3% efficiency ratio
  • ✓Well capitalized: 13.1% equity/assets
  • ✓Share count reduced 3.2% through buybacks

✗Weaknesses

No significant weaknesses identified

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

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BCML Price & Volume

BayCom Corp (BCML) stock price & volume — 10-year historical chart

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BCML Growth Metrics

BayCom Corp (BCML) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years18%
5 Years8.21%
3 Years8.43%
TTM-

Profit CAGR

10 Years12.37%
5 Years11.76%
3 Years0.28%
TTM1.34%

EPS CAGR

10 Years4.83%
5 Years13.65%
3 Years6.4%
TTM3.81%

Return on Capital

10 Years8.92%
5 Years7.12%
3 Years6.31%
Last Year2.18%

BCML Recent Earnings

BayCom Corp (BCML) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 4/12 qtrs (44%)●Beat Revenue 6/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$0.75+21.0%
$0.62
Rev
$27M+3.0%
$26M
Q2 2026
Mar 16, 2026
Metric
Actual
Est
EPS
$0.63
—
Rev
$35M
—
Q1 2026
Jan 29, 2026
Metric
Actual
Est
EPS
$0.63-3.1%
$0.65
Rev
$26M-1.9%
$26M
Q1 2026
Jan 22, 2026
Metric
Actual
Est
EPS
$0.63-3.1%
$0.65
Rev
$26M-1.9%
$26M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$0.75vs $0.62+21.0%
$27Mvs $26M+3.0%
Q2 2026Mar 16, 2026
$0.63
$35M
Q1 2026Jan 29, 2026
$0.63vs $0.65-3.1%
$26Mvs $26M-1.9%
Q1 2026Jan 22, 2026
$0.63vs $0.65-3.1%
$26Mvs $26M-1.9%
Based on last 12 quarters of dataView full earnings history →

BCML Peer Comparison

BayCom Corp (BCML) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
Institutional Holdings
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
CVBF logoCVBFCVB Financial Corp.Direct Competitor2.83B20.8113.69-2.33%32.48%9.25%0.43
HAFC logoHAFCHanmi Financial CorporationDirect Competitor932.95M31.2112.433.55%17.12%9.85%0.35
HTBK logoHTBKHeritage Commerce CorpDirect Competitor828.43M13.4517.245.84%17.97%6.83%0.06
WAFD logoWAFDWaFd, Inc.Direct Competitor2.81B36.4813.87-1.58%17.46%8.02%0.60
BANR logoBANRBanner CorporationDirect Competitor2.2B64.8311.49-0.95%23.84%10.34%0.19
SMBC logoSMBCSouthern Missouri Bancorp, Inc.Product Competitor805.46M72.5114.0011.72%20.82%11.85%0.26
NBTB logoNBTBNBT Bancorp Inc.Product Competitor2.44B46.6814.0210.36%18.76%9.51%0.17
CBNK logoCBNKCapital Bancorp, Inc.Product Competitor542.61M33.279.7925.32%18.83%14.79%0.13

Compare BCML vs Peers

BayCom Corp (BCML) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs CVBF

Most directly comparable listed peer for BCML.

Scale Benchmark

vs MCO

Larger-name benchmark to compare BCML against a more recognizable public peer.

Peer Set

Compare Top 5

vs CVBF, HAFC, HTBK, WAFD

BCML Income Statement

BayCom Corp (BCML) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income
39.5M51.25M67.02M77.5M71.86M95.48M96.44M89.55M93.66M
NII Growth %
51.02%29.75%30.78%15.63%-7.28%32.88%1%-7.14%4.59%
Net Interest Margin %
3.17%3.47%3.36%3.53%3.06%3.8%3.78%3.36%3.61%
Interest Income
43.81M56.19M75.75M86.4M80.66M105.83M124.9M130.12M134.6M
Interest Expense
4.31M4.94M8.73M8.9M8.8M10.35M28.46M40.57M40.94M
Loan Loss Provision
462K1.84M2.22M10.32M466K4.44M2.02M1.26M3.82M
Non-Interest Income
5M7.82M9.78M9.22M12.13M5.41M8.01M7.58M7.24M
Non-Interest Income %
10.25%12.22%11.44%9.64%13.07%4.87%6.03%5.51%5.1%
Total Revenue
48.81M▲ 0%
64.02M▲ 31.1%
85.53M▲ 33.6%
95.62M▲ 11.8%
92.79M▼ 3.0%
111.25M▲ 19.9%
132.91M▲ 19.5%
137.71M▲ 3.6%
141.83M▲ 3.0%
Revenue Growth %
57.24%31.14%33.62%11.79%-2.96%19.89%19.48%3.61%3%
Non-Interest Expense
29.89M36.74M50.89M58.17M55.04M64.02M64.28M63.75M64.21M
Efficiency Ratio
61.23%57.4%59.49%60.84%59.32%57.54%48.36%46.3%45.27%
Operating Income
14.15M▲ 0%
20.49M▲ 44.8%
23.69M▲ 15.6%
18.23M▼ 23.1%
28.48M▲ 56.2%
32.44M▲ 13.9%
38.16M▲ 17.6%
32.12M▼ 15.8%
32.87M▲ 2.3%
Operating Margin %
28.99%32.01%27.7%19.06%30.69%29.16%28.71%23.33%23.17%
Operating Income Growth %
36.73%44.81%15.63%-23.06%56.23%13.9%17.63%-15.82%2.33%
Pretax Income
14.15M▲ 0%
20.49M▲ 44.8%
23.69M▲ 15.6%
18.23M▼ 23.1%
28.48M▲ 56.2%
32.44M▲ 13.9%
38.16M▲ 17.6%
32.12M▼ 15.8%
32.62M▲ 1.5%
Pretax Margin %
28.99%32.01%27.7%19.06%30.69%29.16%28.71%23.33%23%
Income Tax
8.89M6M6.37M4.5M7.79M8.71M10.73M8.51M8.69M
Effective Tax Rate %
62.82%29.26%26.9%24.7%27.35%26.85%28.13%26.48%26.63%
Net Income
5.26M▲ 0%
14.49M▲ 175.5%
17.32M▲ 19.5%
13.73M▼ 20.7%
20.69M▲ 50.7%
23.73M▲ 14.7%
27.43M▲ 15.6%
23.61M▼ 13.9%
23.93M▲ 1.3%
Net Margin %
10.78%22.64%20.25%14.36%22.3%21.33%20.63%17.15%16.87%
Net Income Growth %
-11.03%175.53%19.49%-20.74%50.74%14.69%15.57%-13.9%1.34%
Net Income (Continuing)
5.26M14.49M17.32M13.73M20.69M23.73M27.43M23.61M23.93M
EPS (Diluted)
0.81▲ 0%
1.50▲ 85.2%
1.37▼ 8.7%
1.15▼ 16.1%
1.90▲ 65.2%
1.81▼ 4.7%
2.27▲ 25.4%
2.10▼ 7.5%
2.18▲ 3.8%
EPS Growth %
-25.69%85.19%-8.67%-16.06%65.22%-4.74%25.41%-7.49%3.81%
EPS (Basic)
0.811.501.371.151.901.812.272.102.18
Diluted Shares Outstanding
6.52M9.69M12.63M11.96M10.88M13.12M12.07M11.26M10.9M

BCML Balance Sheet

BayCom Corp (BCML) balance sheet — assets, liabilities & shareholders' equity

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments
57M124.62M145.1M152.99M180.42M183.22M25.48M25.38M206.49M
Cash & Due from Banks
16.5M24.83M25.21M37.4M24.76M29.22M19.15M23.39M26.79M
Short Term Investments
40.51M99.8M119.89M115.59M155.66M154M6.34M1.99M179.71M
Total Investments
931.71M1.07B1.58B1.75B1.84B2.18B2.09B2.15B2.44B
Investments Growth %
79.8%15.12%46.85%11.36%4.7%18.81%-4.14%2.96%13.2%
Long-Term Investments
891.2M972.79M1.46B1.64B1.68B2.03B2.09B2.15B2.27B
Accounts Receivables
3M3.68M5.5M7.31M5.93M7.66M8.42M8.51M0
Goodwill & Intangibles
15.14M21.8M44.65M47.14M45.33M44.04M42.75M41.53M40.58M
Goodwill
10.37M14.59M35.47M38.84M38.84M38.84M38.84M38.84M38.84M
Intangible Assets
4.77M7.21M9.19M8.3M6.49M5.2M3.92M2.69M1.75M
PP&E (Net)
8.4M11.17M25.82M27.19M26.5M29.85M27.67M26.77M25.89M
Other Assets
262.14M336.3M304.9M312.41M399.57M196.29M336.91M388.83M-2.29B
Total Current Assets
62.4M130.45M157.68M170.47M198.52M215.24M59.43M55.9M206.51M
Total Non-Current Assets
1.18B1.35B1.84B2.03B2.15B2.3B2.49B2.61B40.58M
Total Assets
1.25B▲ 0%
1.48B▲ 18.7%
1.99B▲ 34.9%
2.2B▲ 10.1%
2.35B▲ 7.1%
2.51B▲ 6.9%
2.55B▲ 1.5%
2.66B▲ 4.4%
2.59B▼ 2.7%
Asset Growth %
84.48%18.67%34.89%10.1%7.06%6.92%1.54%4.41%-2.66%
Return on Assets (ROA)
0.55%1.06%1%0.66%0.91%0.98%1.08%0.91%0.91%
Accounts Payable
7.42M8.38M11.28M11.65M13.86M16.53M000
Total Debt
11.39M8.16M23.84M89.02M84.6M89.33M87.2M86.76M22.39M
Net Debt
-5.11M-16.66M-1.37M51.62M59.84M60.11M68.05M63.38M-4.4M
Long-Term Debt
11.39M8.16M8.24M76.69M71.94M72.19M72.45M72.38M8.73M
Short-Term Debt
000000000
Other Liabilities
4.05M3.34M3.66M4.01M4.39M4.84M19.14M19.37M2.23B
Total Current Liabilities
1.11B1.27B1.71B1.85B2B2.1B2.13B2.23B3.75M
Total Non-Current Liabilities
15.43M11.5M27.5M93.03M89M94.17M106.34M106.13M2.26B
Total Liabilities
1.13B1.28B1.74B1.94B2.09B2.2B2.24B2.34B2.26B
Total Equity
118.64M▲ 0%
200.75M▲ 69.2%
254.22M▲ 26.6%
252.59M▼ 0.6%
262.61M▲ 4.0%
317.15M▲ 20.8%
312.87M▼ 1.3%
324.37M▲ 3.7%
338.55M▲ 4.4%
Equity Growth %
51.97%69.22%26.63%-0.64%3.97%20.77%-1.35%3.67%4.37%
Equity / Assets (Capital Ratio)
9.52%13.58%12.75%11.5%11.17%12.62%12.26%12.17%13.05%
Return on Equity (ROE)
5.35%9.08%7.61%5.42%8.03%8.19%8.71%7.41%7.22%
Book Value per Share
18.1920.7120.1321.1124.1324.1725.9128.8031.07
Tangible BV per Share
15.8718.4616.5917.1719.9720.8122.3725.1127.35
Common Stock
81.31M149.53M184.33M167.24M157.1M204.3M180.91M172.25M166.28M
Additional Paid-in Capital
287K287K287K287K287K287K287K287K287K
Retained Earnings
36.83M51.32M68.64M82.36M103.06M124.12M146.26M164.83M178.9M
Accumulated OCI
213K-103K1.25M2.7M2.17M-11.56M-14.59M-13.01M-6.63M
Treasury Stock
000000000
Preferred Stock
000000000

BCML Cash Flow Statement

BayCom Corp (BCML) cash flow — operating, investing & free cash flow history

MetricDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations
9.33M6.24M6.96M10M10.43M39.61M30.8M30.36M30.64M
Operating CF Growth %
47.64%-33.14%11.53%43.72%4.32%279.83%-22.24%-1.44%0.95%
Net Income
5.26M14.49M17.32M13.73M20.69M23.73M27.43M23.61M8.51M
Depreciation & Amortization
1.61M2.11M2.83M3.7M3.86M4.02M2.96M3.27M0
Deferred Taxes
3.49M740K1.38M-2.54M117K-1.71M1K801K0
Other Non-Cash Items
-5.33M-10.95M-18.85M-4.65M-13.64M13.46M4.6M1.81M24M
Working Capital Changes
3.87M-1.33M3.13M-1.69M-2M-905K-4.91M276K-1.86M
Cash from Investing
90.41M-11.25M927K-73.66M-60.36M53.94M80.4M-62.19M-89.6M
Purchase of Investments
-1.18M-41.35M-16.86M-21.2M-91.02M-28.88M-25.27M-49.86M0
Sale/Maturity of Investments
7.65M38.76M29.5M31.21M30.98M11.12M11.55M21.88M0
Net Investment Activity
6.47M-2.59M12.64M10.02M-60.04M-17.76M-13.71M-27.98M0
Acquisitions
85M-12.97M32.58M-8.43M018.42M000
Other Investing
-689K5.33M-42.89M-72.03M990K54.12M96.24M-32.51M-89.6M
Cash from Financing
21.43M78.74M-36.08M67.61M130.29M-296.42M19.52M88.32M-98.56M
Dividends Paid
00000-2.02M-3.64M-3.38M-6.6M
Share Repurchases
-24K0-10.96M-18.26M-11.55M-17.96M-24.11M-9.25M-6.91M
Stock Issued
066.76M0000000
Net Stock Activity
-24K66.76M-10.96M-18.26M-11.55M-17.96M-24.11M-9.25M-6.91M
Debt Issuance (Net)
-1000K-1000K01000K-1000K00-315K-1000K
Other Financing
31.35M17.98M-25.13M19.07M146.84M-276.44M47.27M101.26M-20.37M
Net Change in Cash
121.17M▲ 0%
73.73M▼ 39.2%
-28.2M▼ 138.2%
3.95M▲ 114.0%
80.36M▲ 1935.9%
-202.87M▼ 352.5%
130.72M▲ 164.4%
56.49M▼ 56.8%
-157.52M▼ 378.8%
Exchange Rate Effect
000000000
Cash at Beginning
128.68M249.85M323.58M295.38M299.33M379.69M176.81M307.54M364.03M
Cash at End
249.85M323.58M295.38M299.33M379.69M176.81M307.54M364.03M206.51M
Interest Paid
4.18M4.94M7.45M9.21M9.01M10.25M26.96M40.64M40.62M
Income Taxes Paid
3.84M5.4M5.05M8.07M7.1M7.65M12.15M6.5M8.51M
Free Cash Flow
8.96M▲ 0%
5.22M▼ 41.7%
5.56M▲ 6.4%
6.78M▲ 22.0%
9.12M▲ 34.5%
38.77M▲ 325.1%
28.68M▼ 26.0%
28.66M▼ 0.1%
28.9M▲ 0.8%
FCF Growth %
46.79%-41.7%6.37%22.04%34.47%325.1%-26.03%-0.08%0.84%

BCML Banking Ratios

BayCom Corp (BCML) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
Return on Equity (ROE)
7.86%5.35%9.08%7.61%5.42%8.03%8.19%8.71%7.41%7.22%
Return on Assets (ROA)
0.91%0.55%1.06%1%0.66%0.91%0.98%1.08%0.91%0.91%
Net Interest Margin
3.87%3.17%3.47%3.36%3.53%3.06%3.8%3.78%3.36%3.61%
Efficiency Ratio
54.84%61.23%57.4%59.49%60.84%59.32%57.54%48.36%46.3%45.27%
Equity / Assets
11.56%9.52%13.58%12.75%11.5%11.17%12.62%12.26%12.17%13.05%
Book Value / Share
14.3218.1920.7120.1321.1124.1324.1725.9128.831.07
NII Growth
17.44%51.02%29.75%30.78%15.63%-7.28%32.88%1%-7.14%4.59%
Dividend Payout
------8.51%13.26%14.29%27.58%
Related:BCML Dividend History·BCML Revenue History·BCML Price History·BCML P/E History·BCML Financial Ratios·BCML Institutional Holders

BCML SEC Filings & Documents

BayCom Corp (BCML) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Apr 23, 2026·SEC

Material company update

Apr 23, 2026·SEC

Material company update

Apr 9, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 16, 2026·SEC

FY 2025

Mar 14, 2025·SEC

FY 2024

Mar 15, 2024·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 7, 2025·SEC

FY 2025

Aug 11, 2025·SEC

FY 2025

May 9, 2025·SEC

BCML Frequently Asked Questions

BayCom Corp (BCML) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

BayCom Corp (BCML) grew revenue by 3.0% over the past year. Growth has been modest.

Yes, BayCom Corp (BCML) is profitable, generating $23.9M in net income for fiscal year 2025 (16.9% net margin).

Dividend & Returns

Yes, BayCom Corp (BCML) pays a dividend with a yield of 1.92%. This makes it attractive for income-focused investors.

BayCom Corp (BCML) has a return on equity (ROE) of 7.2%. This is below average, suggesting room for improvement.

Industry Metrics

BayCom Corp (BCML) has a net interest margin (NIM) of 3.6%. This indicates healthy earnings from lending activities.

BayCom Corp (BCML) has an efficiency ratio of 45.3%. This is excellent, indicating strong cost control.

What if you invested $1,000 in BCML back in 2004?

Total return calculator · dividends reinvested · 22+ years of data

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How much would $100/month in BCML be worth today?

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