BCML

NEUTRAL

$29.18 Live

BayCom Corp · NASDAQ

Target $31.67 (+8.5%)

$22.22 52W Range $33.15

BCML BayCom Corp - Fundamental Analysis

NEUTRAL

Console Chart News

BCML Stock | Fundamental Analysis & Investment Insights

NASDAQ • Financial Services • Banks - Regional

Current Price Live

$29.18

Analyst Target

$31.67

+8.5% Upside

52W High

$33.15

52W Low

$22.22

Overview AI Snowflake Price Valuation Profitability Growth Health Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Jan 24, 2026

Market cap

$318.75M

P/E

13.9

ROE

7.1%

Profit margin

24.4%

Debt/Equity

N/A

Dividend yield

2.99%

AI Analysis

AI-powered fundamental assessment

Confidence

68%

BCML exhibits a mixed financial profile with a Piotroski F-Score of 4/9 indicating stable but not strong financial health, and no available Altman Z-Score limits distress risk assessment. The stock trades below the analyst target price of $31.67 and at a discount to the sector average P/E, supported by solid profitability margins and a reasonable dividend yield. However, declining revenue and earnings growth, coupled with weak technical trend and inconsistent earnings surprises, raise concerns about momentum and execution. While valuation appears attractive, lack of balance sheet transparency and deteriorating growth metrics temper bullishness.

Key Strengths

Profitability margins are strong with 24.44% net margin and 29.70% operating margin, outperforming sector averages.

Attractive valuation relative to peers with a P/E of 13.90 vs sector average of 22.50.

Dividend yield of 2.99% is well-covered by a 35.71% payout ratio, indicating sustainability.

Analyst recommendation is 'buy' with a target price of $31.67, implying 8.5% upside.

Recent quarterly EPS growth shows strong momentum with +37.0% Q/Q and +14.5% YoY growth.

Key Risks

Piotroski F-Score of 4/9 suggests borderline financial health, limiting confidence in stability.

Revenue and earnings growth are negative YoY (-6.90% and -15.10% respectively), indicating deterioration.

Gross Margin is 0.00%, highly unusual for a bank and suggests potential data anomaly or severe margin compression.

No Altman Z-Score available prevents proper assessment of bankruptcy risk.

Technical trend score of 0/100 indicates strong bearish momentum near-term.

AI Fair Value Estimate

Based on comprehensive analysis

$38.17

+30.8% above current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Cautiously optimistic with notable risks

Key drivers: Low P/E relative to sector, Strong recent EPS growth, Weak revenue trends, Incomplete financial data, Bearish technicals

Confidence

70%

Value

75/100

Ref P/E, PEG, Graham Number

Positives

P/E of 13.90 below sector average of 22.50
Price/Book of 0.95 suggests asset-based discount
Graham Number of $38.17 implies 30.8% upside

Watchpoints

Intrinsic Value (Formula) at $14.70 is significantly below current price
PEG Ratio not available limits growth-adjusted valuation

Future

50/100

Ref Growth rates

Positives

Q/Q EPS growth of +37.0% indicates recent acceleration
YoY EPS growth of +14.5% remains positive

Watchpoints

Revenue growth YoY at -6.90%
Earnings growth YoY at -15.10%
Q/Q Earnings Growth down -16.80%

Past

58/100

Ref Historical trends

Positives

5-year price return of +112.5% shows long-term appreciation
History of mixed but occasionally strong earnings beats

Watchpoints

Only 1 of last 4 quarters beat estimates
Average earnings surprise of -3.08% recently
Erratic earnings performance over 25 quarters

Health

45/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score of 4/9 indicates stable financial condition
ROE of 7.07% is positive though modest

Watchpoints

Piotroski score below 7 indicates weaknesses in financial statements
No Altman Z-Score available
No data on Debt/Equity, Current Ratio, or Cash/Debt

Dividend

70/100

Ref Yield, Payout

Positives

Dividend yield of 2.99% is attractive
Payout ratio of 35.71% is sustainable

Watchpoints

Dividend Strength score of 50/100 suggests moderate reliability
No 5-year average yield to assess consistency

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$29.18

Analyst Target

$31.67

Upside/Downside

+8.5%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for BCML and closest competitors.

Updated 2026-01-23

Company	5Y	3Y	1Y	6M	1M	1W
BCML BayCom Corp Primary	+112.5%	+64.9%	+12.1%	+8.0%	-2.4%	+0.8%
CZFS Citizens Financial Services, Inc. Peer	+35.3%	-15.9%	+19.9%	+19.6%	+8.9%	+8.1%
BRBS Blue Ridge Bankshares, Inc. Peer	-69.6%	-54.2%	+28.8%	+1.3%	+4.2%	+0.3%
ARDC Ares Dynamic Credit Allocation Fund, Inc. Peer	+50.0%	+48.4%	-2.1%	-0.8%	+2.4%	+0.1%
TSBK Timberland Bancorp, Inc. Peer	+71.8%	+75.8%	+38.1%	+30.0%	+5.2%	-0.8%

BCM

BayCom Corp

Primary

+112.5%

+64.9%

+12.1%

+8.0%

-2.4%

+0.8%

CZF

Citizens Financial Services, Inc.

Peer

+35.3%

-15.9%

+19.9%

+19.6%

+8.9%

+8.1%

BRB

Blue Ridge Bankshares, Inc.

Peer

-69.6%

-54.2%

+28.8%

+1.3%

+4.2%

+0.3%

ARD

Ares Dynamic Credit Allocation Fund, Inc.

Peer

+50.0%

+48.4%

-2.1%

-0.8%

+2.4%

+0.1%

TSB

Timberland Bancorp, Inc.

Peer

+71.8%

+75.8%

+38.1%

+30.0%

+5.2%

-0.8%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

13.9

10.3

N/A

0.95

3.36

1.27

N/A

$318.75M

Profitability

Profit margins and return metrics

Profit Margin 24.44%

Operating Margin 29.7%

Gross Margin N/A

ROE 7.07%

ROA 0.9%

Growth

Revenue and earnings growth rates

Revenue Growth -6.9%

Earnings Growth -15.1%

Q/Q Revenue Growth N/A

Q/Q Earnings Growth -16.8%

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Cash/Share

$21.11

Quarterly Earnings History

EPS performance vs analyst estimates

2026-04-23

$N/A

2026-01-22

$0.63

-3.1% surprise

2025-10-23

$0.46

-11.0% surprise

2025-07-17

$0.58

+4.8% surprise

Financial Services Sector Comparison

Comparing BCML against 820 companies in the Financial Services sector (141 bullish, 351 neutral, 328 bearish)

P/E Ratio

13.9

This Stock

36.01

Sector Avg

-61.4% (Discount)

Return on Equity (ROE)

7.07%

This Stock

-0.73%

Sector Avg

-1065.1% (Below Avg)

Profit Margin

24.44%

This Stock

91.62%

Sector Avg

-73.3% (Weaker)

Revenue Growth

-6.9%

This Stock

35.27%

Sector Avg

-119.6% (Slower)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
BCML BayCom Corp	NEUTRAL	$318.75M	13.9	7.1%	24.4%	$29.18
CZFS Citizens Financial Services, Inc.	NEUTRAL	$317.76M	8.67	11.5%	33.3%	$66.1	Compare
BRBS Blue Ridge Bankshares, Inc.	BEARISH	$321.47M	32.55	3.3%	11.2%	$3.58	Compare
ARDC Ares Dynamic Credit...	BEARISH	$322.28M	10.8	-%	-%	$13.5	Compare
TSBK Timberland Bancorp, Inc.	NEUTRAL	$322.78M	10.63	11.8%	36.4%	$40.94	Compare

BCML BayCom Corp

NEUTRAL

Mkt Cap

$319M

P/E

13.9

ROE

7.1%

Price

$29.18

Compare with BCML

Compare with BCML

Compare with BCML

Compare with BCML

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-01-02	COLWELL KEARY L	Chief Financial Officer	Stock Award	3,733	-
2026-01-02	CURLEY MARY THERESE	Officer	Stock Award	1,739	-
2026-01-02	GUARINI GEORGE J	Chief Executive Officer	Stock Award	6,470	-
2026-01-02	KING JANET LEE	Chief Operating Officer	Stock Award	3,733	-
2026-01-02	ZHU IZABELLA LIN	Officer	Stock Award	1,353	-

COLWELL KEARY L

Chief Financial Officer

Stock Award

2026-01-02

3,733 shares

CURLEY MARY THERESE

Officer

Stock Award

2026-01-02

1,739 shares

GUARINI GEORGE J

Chief Executive Officer

Stock Award

2026-01-02

6,470 shares

KING JANET LEE

Chief Operating Officer

Stock Award

2026-01-02

3,733 shares

ZHU IZABELLA LIN

Officer

Stock Award

2026-01-02

1,353 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-09

10-K

2026-03-16

BCML filed its 10-K annual report on March 16, 2026, which includes sections on business operations, risk factors, and management's discussion and analysis. Specific financial highlights and risk details were not provided in the available excerpts.

8-K

2026-02-19

BCML filed an 8-K on February 19, 2026, likely to announce its annual financial results.

8-K

2026-01-22

BCML filed a current report on January 22, 2026, likely announcing its quarterly or annual financial results.

8-K

2025-11-20

10-Q

2025-11-07

8-K

2025-10-23

8-K

2025-08-21

8-K

2025-08-15

10-Q

2025-08-11

8-K

2025-07-17

8-K

2025-06-20

8-K

2025-06-05

8-K

2025-05-21

10-Q

2025-05-09

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

BUY

3 analysts

DA Davidson

2025-10-28

Maintains

Buy Buy

Past News Coverage

Recent headlines mentioning BCML from our newsroom.

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BCML

BCML BayCom Corp - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Quarterly Earnings History

Financial Services Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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