BCML BayCom Corp - Fundamental Analysis
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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
At a glance
Key valuation, profitability, growth, and risk metrics.
AI Analysis
Powered by advanced machine learning algorithms
Confidence Score
68%
Analysis Accuracy
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 AI analysis across 5 key categories
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Historical Performance Trends
Long-term financial metrics and growth patterns
Valuation Metrics
Key valuation ratios and pricing indicators
Profitability, Growth & Financial Health
Detailed profit margins, ROE, debt ratios, and liquidity metrics
Sector Comparison & Peer Analysis
Compare BCML against industry averages and similar companies
Insider Trading & Analyst Ratings
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Past News Coverage
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