BayCom Corp

BayCom Corp

BCML · NASDAQ · Financial Services / Banks - Regional

31.08USD+0.04 (+0.13%)

Price History

Full chart

Market Stats

Previous Close31.04
Open31.25
Day Range30.80 – 31.25
52-Week Range25.74 – 34.63
Volume66.50K
Market Cap337.10M
P/E (TTM)25.73
Forward P/E11.86
EPS1.20
Dividend Yield3.96%
Beta0.29
50-Day Avg30.81
200-Day Avg30.47

About

BayCom 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 provides demand, savings, money market, and time deposit accounts. It also offers 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 provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier's and travelers checks; letters of credit; and lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; 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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Christopher F. Baron
  • Employees329
  • Headquarters500 Ygnacio Valley Road, Walnut Creek, CA, United States, 94596, USA
  • Websitehttps://www.unitedbusinessbank.com

Leadership

  • Mr. Christopher F. BaronPresident, CEO & Director · b. 1970
  • Mr. William James Black Jr.Executive Vice Chair · b. 1976
  • Mr. Kevin Lewis Thompson CPAExecutive VP, Corporate Secretary & CFO · b. 1973
  • Mr. Rick GehringerExecutive VP & Chief Information Officer
  • Ms. Izabella Zhu MitchellExecutive VP & Chief Risk Officer of United Business Bank · b. 1979

Financials

Income Statement

Currency: USD2004-12-312005-12-312006-12-312007-12-312008-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue326.00K1.75M2.91M6.63M6.59M8.49M18.56M11.63M15.42M20.38M27.11M31.04M48.81M64.02M85.53M95.62M92.79M111.25M132.91M137.71M141.83M
Growth (%)-+437.73%+66.00%+127.81%-0.67%+28.96%+118.56%-37.35%+32.59%+32.16%+33.03%+14.53%+57.24%+31.14%+33.62%+11.79%-2.96%+19.89%+19.48%+3.61%+3.00%
Cost of Revenue225.00K934.00K1.85M2.74M2.35M8.49M18.56M-2.43M3.65M4.55M3.67M4.77M6.78M10.96M19.22M9.27M14.79M30.48M41.83M44.75M
Gross Profit101.00K1.75M2.91M3.89M4.24M--11.63M12.99M16.72M22.55M27.37M44.04M57.23M74.58M76.40M83.52M96.45M102.43M95.87M97.08M
Gross Margin30.98%100.00%100.00%58.67%64.36%--100.00%84.25%82.07%83.21%88.17%90.22%89.40%87.19%79.90%90.01%86.70%77.07%69.62%68.45%
Operating Expense783.76K1.64M962.00K2.86M3.64M--7.78M8.40M9.83M13.39M17.02M29.89M36.74M50.89M58.17M55.04M64.02M64.28M63.75M64.21M
Operating Income-682.76K113.00K1.95M1.03M601.60K1.00M8.91M3.85M4.59M6.90M9.16M10.35M14.15M20.49M23.69M18.23M28.48M32.44M38.16M32.12M32.87M
Operating Margin-209.43%6.45%66.94%15.59%9.14%11.79%48.02%33.08%29.76%33.84%33.81%33.33%28.99%32.01%27.70%19.06%30.69%29.16%28.71%23.33%23.17%
EBITDA32.00K113.00K1.95M1.19M1.22M1.24M7.62M4.30M5.07M7.58M10.10M11.24M15.76M22.59M26.52M21.93M32.34M36.46M41.12M35.39M36.08M
EBITDA Margin9.82%6.45%66.94%17.96%18.52%14.65%41.05%37.02%32.85%37.19%37.26%36.22%32.29%35.30%31.01%22.93%34.85%32.77%30.94%25.70%25.44%
Net Income-732.00K-526.00K426.00K1.21M319.88K620.53K7.31M2.15M2.69M5.18M7.45M5.91M5.26M14.49M17.32M13.73M20.69M23.73M27.43M23.61M23.93M
Net Income Margin-224.54%-30.01%14.64%18.21%4.86%7.31%39.41%18.53%17.45%25.41%27.49%19.04%10.78%22.64%20.25%14.36%22.30%21.33%20.63%17.15%16.87%
Interest Expense50.00K639.00K1.57M2.51M2.07M6.56K19.76K-2.08M2.58M3.14M3.07M4.31M4.94M8.73M8.90M8.80M10.35M28.46M40.57M40.94M
Interest Expense % of Total Revenue15.34%36.45%53.81%37.83%31.49%0.08%0.11%-13.49%12.66%11.58%9.90%8.83%7.72%10.21%9.31%9.49%9.30%21.41%29.46%28.86%

Balance Sheet

Currency: USD2004-12-312005-12-312006-12-312007-12-312008-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets25.55M43.35M74.68M90.71M108.88M173.98M269.61M316.58M342.30M504.39M623.30M675.30M1.25B1.48B1.99B2.20B2.35B2.51B2.55B2.66B2.59B
Total Liabilities11.67M29.47M60.84M75.47M93.26M140.48M221.09M265.91M289.98M446.22M550.92M597.24M1.13B1.28B1.74B1.94B2.09B2.20B2.24B2.34B2.26B
Total Equity13.88M13.88M13.84M15.24M15.63M33.50M48.52M50.67M52.32M58.17M72.38M78.06M118.64M200.75M254.22M252.59M262.61M317.15M312.87M324.37M338.55M
Cash135.00K-2.60M9.28M9.89M--4.42M13.39M19.11M8.39M7.20M16.50M24.83M25.21M37.40M24.76M29.22M19.15M23.39M26.79M
Total Debt-15.28M-10.00M5.00M415.08K-2.00M2.00M6.00M--11.69M8.16M23.84M89.02M84.60M89.33M87.20M86.76M22.39M
Net Debt-135.00K15.28M-2.60M717.45K-4.89M415.08K--2.42M-11.39M-13.11M-8.39M-7.20M-5.11M-16.66M-1.37M51.62M59.84M60.11M68.05M63.38M-4.40M

Cash Flow

Currency: USD2004-12-312007-12-312008-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-480.00K1.40M1.05M1.86M2.28M6.77M2.22M6.50M4.97M6.32M9.33M6.24M6.96M10.00M10.43M39.61M30.80M30.36M31.83M
Investing Cash Flow-17.26M-21.81M-18.57M-6.52M-6.81M-15.93M-28.18M11.98M-21.91M-32.73M90.41M-11.25M927.00K-73.66M-60.36M53.94M80.40M-62.19M-90.79M
Financing Cash Flow25.89M14.47M18.02M29.74M8.63M43.39M24.22M45.06M-10.09M46.92M21.43M78.74M-36.08M67.61M130.29M-296.42M19.52M88.32M-98.56M
Capital Expenditure206.00K508.58K1.27M135.69K174.48K384.79K837.17K237.93K509.71K214.00K368.00K1.01M1.40M3.21M1.31M843.00K2.12M1.70M1.75M
Free Cash Flow-686.00K894.35K-215.26K1.73M2.11M6.39M1.38M6.27M4.46M6.10M8.96M5.22M5.56M6.78M9.12M38.77M28.68M28.66M30.09M
Dividends Paid-------------18.74M02.02M3.64M3.38M6.60M
FCF to OCF142.92%63.75%-20.50%92.71%92.35%94.32%62.28%96.34%89.75%96.61%96.05%83.76%79.89%67.84%87.45%97.87%93.11%94.40%94.51%
Dividend Paid to FCF-------------276.32%0.00%5.21%12.68%11.78%21.94%

Earnings

Report DateMar 31, 2010Jun 30, 2010Sep 30, 2010Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Dec 31, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Feb 17, 2017May 31, 2017Aug 30, 2017Oct 26, 2017Feb 26, 2018Jun 18, 2018Jul 23, 2018Oct 24, 2018Jan 29, 2019Apr 29, 2019Jul 26, 2019Oct 28, 2019Jan 28, 2020Apr 24, 2020Jul 22, 2020Oct 22, 2020Jan 28, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 27, 2022Apr 21, 2022Jul 21, 2022Oct 20, 2022Jan 26, 2023Apr 20, 2023Jul 26, 2023Oct 19, 2023Jan 25, 2024Apr 17, 2024Jul 18, 2024Oct 17, 2024Jan 23, 2025Apr 17, 2025Jul 17, 2025Oct 23, 2025Jan 22, 2026Apr 23, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate------------------------------0.330.270.470.410.410.360.450.470.550.480.470.340.410.360.440.420.480.500.380.530.580.610.580.540.530.570.560.480.510.510.520.550.520.650.600.640.54
EPS Actual0.180.130.030.01-0.030.090.091.490.080.080.150.130.130.130.130.160.110.380.330.271.010.330.21-0.180.250.270.220.350.150.490.47-0.120.540.450.310.390.450.470.460.550.410.260.280.390.400.490.510.510.510.380.540.620.550.590.560.550.510.500.540.550.510.580.460.630.750.32-
Surprise------------------------------42.42%-144.44%14.89%9.76%-24.39%8.33%0.00%0.00%-16.36%14.58%-12.77%-23.53%-31.71%8.33%-9.09%16.67%6.25%2.00%34.21%-28.30%-6.90%1.64%-5.17%9.26%5.66%-3.51%-8.93%4.17%5.88%7.84%-1.92%5.45%-11.54%-3.08%25.00%-50.00%-
Timing---------------------------After-hours--After-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap337.10M
Enterprise Value204.03M
Trailing P/E25.73
Forward P/E11.86
PEG Ratio0.99
Price / Sales3.52
Price / Book0.96
EPS1.20
Book Value30.95
Revenue (TTM)95.71M
Gross Profit (TTM)95.71M
Profit Margin13.67%
Operating Margin16.60%
Return on Equity3.93%
Return on Assets0.50%
Shares Outstanding10.92M
Shares Float10.07M
Beta0.29
Dividend Yield3.96%
Dividend Rate1.20
Payout Ratio55.56%

Analyst Ratings

Buy
Based on 3 analystsTarget 32.75
  • Strong Buy
    2
  • Hold
    1

Ownership Breakdown

Institutions
65.71%
Insiders
6.78%
Retail / Other
27.51%

Top Institutional Holders

  • Wellington Management Company LLP
    1.02M9.30%
  • BlackRock Inc
    848.14K7.77%
  • Royce & Associates, LP
    722.19K6.61%
  • Dimensional Fund Advisors, Inc.
    637.00K5.83%
  • Vanguard Capital Management, LLC
    539.70K4.94%
  • AllianceBernstein L.P.
    474.21K4.34%
  • Manufacturers Life Insurance Co
    368.51K3.37%
  • Geode Capital Management, LLC
    251.41K2.30%
  • Acadian Asset Management LLC
    202.32K1.85%
  • State Street Corp
    189.68K1.74%
  • American Century Companies Inc
    169.86K1.56%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    328.99K3.01%
  • iShares Russell 2000 ETF
    295.24K2.70%
  • FTGF RY US SmCp Opp A USD Dis(A)
    279.31K2.56%
  • Royce Small-Cap Opportunity Invmt
    260.46K2.39%
  • Avantis US Small Cap Value ETF
    178.61K1.64%
  • Royce Micro-Cap Trust
    154.31K1.41%
  • DFA US Small Cap Value I
    144.67K1.32%
  • JH Financial Opportunities
    126.49K1.16%
  • JHancock Regional Bank A
    121.48K1.11%

Dividends

20263×
0.30Sep 10, 20260.30Jun 11, 20260.30Mar 12, 2026
20254×
0.30Dec 11, 20250.25Sep 11, 20250.20Jun 12, 20250.15Mar 13, 2025
20245×
0.15Dec 12, 20240.10Sep 19, 20240.10Jun 13, 20240.10Mar 14, 20240.10Mar 7, 2024
20234×
0.10Dec 13, 20230.10Sep 14, 20230.10Jun 15, 20230.10Mar 9, 2023
20224×
0.05Dec 15, 20220.05Sep 15, 20220.05Jun 16, 20220.05Mar 10, 2022