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Buy Day today: Neutral (53) Mixed market breadth · no major macro event

BayCom Corp (BCML)

Financial Services Banks - Regional
30.20 $
-0.1% vs. previous close
Closing price · As of: 31. Jul 2026
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Basics

Market Cap
0.3$B
Shares Outstanding
11Mio.
Float
92.4%
Beta
0.3

Performance

Perf. 1M
6.30%
Perf. 3M
13.60%
Perf. 6M
11.60%
YTD Performance (%)
12.20%
52-Week-High Distance
-4.0%
Perf. 1Y
24.59%
Perf. 3Y
102.40%
Perf. 5Y
102.47%

Valuation

P/E
12.8
Forward P/E
12.8
PEG
1.0
P/B
1.0
P/S
2.2
EV/EBITDA
0.0
Price/FCF
11.5

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
26.4%
Return on Equity
7.8%
Return on Assets
1.0%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.1
Altman Z″
3.78
very solid
Piotroski
8 out of 9

Growth

Sales Growth Last Quarter
15.80%
EPS Growth Last Quarter
47.00%
Sales Growth (Year)
3.00%
Forward Sales Growth
4.30%
Forward EPS Growth
3.40%

Dividend

Dividend Yield
3.57%
Dividend Per Share (TTM)
1.15$
Payout Ratio
47.5%
Years Without a Cut
3Years
Increase Streak
3Years

Quality & Screener

Stage
2
RS Rating
51
EPS Rating
76
very solid
Piotroski
8 out of 9
Fundamental Rating
B (59 out of 100)
Altman Z″
3.78

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.

Analysts & Price Target

Current Price 30.20 $
Price Target (average) 32.67 $

The price target sits 8.2% above the current price.

Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.

Next Reporting Date

22. Oct 2026 · after the close · Q3 2026
Expected Earnings per Share
0.58 $

Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.

Revenue & Profit

Cash Flow

Balance Sheet

Margins

Per Share

Click the chart or tab into it, then use ← and → to step through the periods.

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The figures could not be loaded right now.

Sales Per Quarter ($M)
2024: Q4 · 34.1 $M Q4 2025: Q1 · 34.1 $M Q1 2025: Q2 · 35.0 $M Q2 2025: Q3 · 37.5 $M Q3 2025: Q4 · 35.6 $M Q4 2026: Q1 · 36.1 $M Q1

Source: fundamental data

Compare with other stocks →

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 0.55 -0.50 34 -1.50 17.90 8 8
2025: Q1 0.51 0.40 34 0.90 16.70 9 9
2025: Q2 0.58 16.20 35 3.60 18.20 6 6
2025: Q3 0.46 -15.10 38 4.20 13.30 7 6
2025: Q4 0.63 14.40 36 4.20 19.30 9 9
2026: Q1 0.75 46.40 36 5.90 22.70 7 7
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

BayCom Corp ist die Bankholding der United Business Bank, die verschiedene Finanzdienstleistungen für kleine und mittlere Unternehmen, Selbständige und Privatpersonen anbietet. Das Unternehmen bietet Sicht-, Spar-, Geldmarkt- und Termineinlagenkonten an.

Employees327
HeadquartersWalnut Creek, CA
Websiteunitedbusinessbank.com
IPO Date9. Aug 2004

Management

Management
Name Title Birth Year
George J. Guarini Non-Executive Officer 1954
Keary L. Colwell CPA Non-Executive Officer 1960
Christopher F. Baron President, CEO & Director 1970
William James Black Jr. Executive Vice Chair 1976
Kevin Lewis Thompson CPA Executive VP, Corporate Secretary & CFO 1973
Izabella Zhu Mitchell Executive VP & Chief Risk Officer of United Business Bank 1979

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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