BayCom Corp (BCML) Financial Ratios
22 years of historical data (2004–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
9.42
+6% vs avg
5yr avg: 8.86
30Y Low2.8·High14.4
P/FCF
↓
11.91
-1% vs avg
5yr avg: 12.08
30Y Low6.2·High51.7
P/B Ratio
↑
1.02
+17% vs avg
5yr avg: 0.87
30Y Low0.5·High1.4
ROE
↓
7.2%
-9% vs avg
5yr avg: 7.9%
30Y Low-5%·High18%
Debt/EBITDA
↓
0.62
↓-70% vs avg
5yr avg: 2.05
30Y Low0.3·High8.4
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
BCML Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
BayCom Corp trades at 14.5x earnings, 27% above its 5-year average of 11.4x, sitting at the 61st percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a premium of 7%. On a free-cash-flow basis, the stock trades at 11.9x P/FCF, roughly in line with the 5-year average of 12.1x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $344M | $320M | $302M | $285M | $249M | $204M | $182M | $287M | $224M | $127M | $81M |
| Enterprise Value | $340M | $316M | $366M | $353M | $309M | $264M | $233M | $286M | $207M | $122M | $74M |
| P/E Ratio → | 14.47 | 13.49 | 12.78 | 10.39 | 10.49 | 9.87 | 13.19 | 16.60 | 15.39 | 24.01 | 13.63 |
| P/S Ratio | 2.43 | 2.26 | 2.20 | 2.14 | 2.24 | 2.20 | 1.90 | 3.36 | 3.50 | 2.60 | 2.61 |
| P/B Ratio | 1.02 | 0.95 | 0.93 | 0.91 | 0.79 | 0.78 | 0.72 | 1.13 | 1.11 | 1.07 | 1.04 |
| P/FCF | 11.91 | 11.09 | 10.55 | 9.93 | 6.43 | 22.38 | 26.76 | 51.69 | 42.84 | 14.15 | 13.27 |
| P/OCF | 11.23 | 10.45 | 9.96 | 9.25 | 6.29 | 19.57 | 18.16 | 41.29 | 35.88 | 13.60 | 12.82 |
P/E links to full P/E history page with 30-year chart
BCML EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
BayCom Corp's enterprise value stands at 9.4x EBITDA, 6% above its 5-year average of 8.9x. The Financial Services sector median is 11.4x, placing the stock at a 17% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.23 | 2.66 | 2.65 | 2.78 | 2.85 | 2.44 | 3.34 | 3.24 | 2.49 | 2.38 |
| EV / EBITDA | 9.42 | 8.76 | 10.33 | 8.58 | 8.48 | 8.16 | 10.63 | 10.78 | 9.17 | 7.72 | 6.56 |
| EV / EBIT | 10.34 | 9.61 | 11.38 | 9.25 | 9.53 | 9.27 | 12.79 | 12.07 | 10.11 | 8.60 | 7.13 |
| EV / FCF | — | 10.93 | 12.76 | 12.30 | 7.98 | 28.95 | 34.37 | 51.44 | 39.65 | 13.58 | 12.09 |
BCML Profitability
Margins and return-on-capital ratios measuring operating efficiency
BayCom Corp earns an operating margin of 23.2%, above the Financial Services sector average of 20.3%. Operating margins have compressed from 28.7% to 23.2% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 7.2% is modest, trailing the sector median of 9.0%. ROIC of 6.4% represents adequate returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 68.4% | 69.6% | 77.1% | 86.7% | 90.0% | 79.9% | 87.2% | 89.4% | 90.2% | 88.2% |
| Operating Margin | 23.2% | 23.2% | 23.3% | 28.7% | 29.2% | 30.7% | 19.1% | 27.7% | 32.0% | 29.0% | 33.3% |
| Net Profit Margin | 16.9% | 16.9% | 17.1% | 20.6% | 21.3% | 22.3% | 14.4% | 20.2% | 22.6% | 10.8% | 19.0% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 7.2% | 7.4% | 8.7% | 8.2% | 8.0% | 5.4% | 7.6% | 9.1% | 5.3% | 7.9% |
| ROA | 0.9% | 0.9% | 0.9% | 1.1% | 1.0% | 0.9% | 0.7% | 1.0% | 1.1% | 0.5% | 0.9% |
| ROIC | 6.4% | 6.4% | 5.9% | 7.1% | 6.5% | 6.2% | 4.4% | 7.3% | 9.1% | 10.2% | 10.3% |
| ROCE | 2.2% | 2.2% | 7.6% | 9.2% | 8.5% | 8.2% | 5.8% | 9.6% | 11.8% | 13.1% | 13.2% |
BCML Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
BayCom Corp carries a Debt/EBITDA ratio of 0.6x, which is very conservative (85% below the sector average of 4.3x). The company holds a net cash position — cash of $27M exceeds total debt of $22M, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns. Interest coverage of just 0.8x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.27 | 0.28 | 0.28 | 0.32 | 0.35 | 0.09 | 0.04 | 0.10 | — |
| Debt / EBITDA | 0.62 | 0.62 | 2.45 | 2.12 | 2.45 | 2.62 | 4.06 | 0.90 | 0.36 | 0.72 | — |
| Net Debt / Equity | — | -0.01 | 0.20 | 0.22 | 0.19 | 0.23 | 0.20 | -0.01 | -0.08 | -0.04 | -0.09 |
| Net Debt / EBITDA | -0.12 | -0.12 | 1.79 | 1.65 | 1.65 | 1.85 | 2.35 | -0.05 | -0.74 | -0.32 | -0.64 |
| Debt / FCF | — | -0.15 | 2.21 | 2.37 | 1.55 | 6.56 | 7.61 | -0.25 | -3.19 | -0.57 | -1.18 |
| Interest Coverage | 0.80 | 0.80 | 0.79 | 1.34 | 3.13 | 3.24 | 2.05 | 2.71 | 4.15 | 3.28 | 3.37 |
Net cash position: cash ($27M) exceeds total debt ($22M)
BCML Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
BayCom Corp's current ratio of 55.06x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has improved from 0.03x to 55.06x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 55.06 | 55.06 | 0.03 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 0.06 | 0.06 |
| Quick Ratio | 55.06 | 55.06 | 0.03 | 0.03 | 0.10 | 0.10 | 0.09 | 0.09 | 0.10 | 0.06 | 0.06 |
| Cash Ratio | 7.14 | 7.14 | 0.01 | 0.01 | 0.01 | 0.01 | 0.02 | 0.01 | 0.02 | 0.01 | 0.01 |
| Asset Turnover | — | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.04 | 0.05 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
BCML Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
BayCom Corp returns 3.9% to shareholders annually — split between a 1.9% dividend yield and 2.0% buyback yield. The payout ratio of 27.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 6.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 1.9% | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | 27.6% | 27.6% | 14.3% | 13.3% | 8.5% | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 6.9% | 7.4% | 7.8% | 9.6% | 9.5% | 10.1% | 7.6% | 6.0% | 6.5% | 4.2% | 7.3% |
| FCF Yield | 8.4% | 9.0% | 9.5% | 10.1% | 15.6% | 4.5% | 3.7% | 1.9% | 2.3% | 7.1% | 7.5% |
| Buyback Yield | 2.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 3.9% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $11M | $11M | $12M | $13M | $11M | $12M | $13M | $10M | $7M | $5M |
Peer Comparison
Compare BCML with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 BCMLYou | $344M | 14.5 | 9.4 | 11.9 | 68.4% | 23.2% | 7.2% | 6.4% | 0.6 |
 CVBF | $3B | 13.7 | 13.2 | 13.0 | 79.9% | 43.8% | 9.3% | 6.8% | 3.5 |
 HAFC | $933M | 12.4 | 8.8 | 4.6 | 57.5% | 24.3% | 10.0% | 7.4% | 2.5 |
 HTBK | $828M | 17.2 | 11.9 | 13.6 | 72.6% | 25.4% | 6.8% | 6.9% | 0.6 |
 WAFD | $3B | 13.9 | 13.3 | 13.5 | 50.9% | 20.5% | 7.5% | 3.9% | 6.1 |
 BANR | $2B | 11.5 | 9.4 | 8.9 | 79.0% | 29.5% | 10.5% | 7.7% | 1.5 |
 SMBC | $805M | 14.0 | 9.0 | 10.7 | 57.7% | 24.2% | 11.3% | 8.5% | 1.7 |
 NBTB | $2B | 14.0 | 10.7 | 11.1 | 72.1% | 25.3% | 9.9% | 7.9% | 1.4 |
 CBNK | $543M | 9.8 | 7.7 | 8.1 | 73.6% | 23.3% | 15.1% | 12.6% | 0.7 |
 BSVN | $438M | 10.1 | 3.3 | 10.6 | 70.2% | 41.4% | 18.6% | 18.3% | — |
 CZWI | $205M | 14.6 | 15.6 | 19.8 | 54.7% | 7.0% | 7.9% | 2.0% | 5.8 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 19 years · Updated daily
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BCML — Frequently Asked Questions
Quick answers to the most common questions about buying BCML stock.
What is BayCom Corp's P/E ratio?
BayCom Corp's current P/E ratio is 14.5x. The historical average is 15.4x. This places it at the 61th percentile of its historical range.
What is BayCom Corp's EV/EBITDA?
BayCom Corp's current EV/EBITDA is 9.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 8.5x.
What is BayCom Corp's ROE?
BayCom Corp's return on equity (ROE) is 7.2%. The historical average is 6.9%.
Is BCML stock overvalued?
Based on historical data, BayCom Corp is trading at a P/E of 14.5x. This is at the 61th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is BayCom Corp's dividend yield?
BayCom Corp's current dividend yield is 1.92% with a payout ratio of 27.6%.
What are BayCom Corp's profit margins?
BayCom Corp has 68.4% gross margin and 23.2% operating margin. Operating margin above 20% indicates strong pricing power and cost efficiency.
How much debt does BayCom Corp have?
BayCom Corp's Debt/EBITDA ratio is 0.6x, indicating low leverage. A ratio below 2x is generally considered financially healthy.