BayCom Corp Financials

BCML Stock  USD 27.60  0.23  0.84%   
Based on the analysis of BayCom Corp's profitability, liquidity, and operating efficiency, BayCom Corp may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, BayCom Corp's Non Current Assets Total are quite stable compared to the past year. Non Currrent Assets Other is expected to rise to about 2.6 B this year, although the value of Other Assets will most likely fall to about 49.4 M. Key indicators impacting BayCom Corp's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio0.290.32
Moderately Down
Very volatile
Current Ratio50.5353.18
Notably Down
Slightly volatile
Investors should never underestimate BayCom Corp's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor BayCom Corp's cash flow, debt, and profitability to make informed and accurate decisions about investing in BayCom Corp.

Net Income

33.12 Million

  
Understanding current and past BayCom Corp Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of BayCom Corp's financial statements are interrelated, with each one affecting the others. For example, an increase in BayCom Corp's assets may result in an increase in income on the income statement.

BayCom Corp Stock Summary

BayCom Corp competes with Home Federal, LINKBANCORP, Community West, First Northwest, and First Financial. 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. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California. Bay Commercial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 375 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS07272M1071
CUSIP07272M107 072199102
LocationCalifornia; U.S.A
Business Address500 Ygnacio Valley
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.unitedbusinessbank.com
Phone925 476 1800
CurrencyUSD - US Dollar

BayCom Corp Key Financial Ratios

BayCom Corp Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.2B2.4B2.5B2.6B2.9B3.1B
Net Debt51.6M59.8M60.1M68.1M61.2M64.3M
Retained Earnings82.4M103.1M127.4M146.3M168.2M176.6M
Cash37.4M24.8M29.2M17.9M20.6M19.6M
Other Assets1.8B1.9B2.2B45.2M52.0M49.4M
Net Receivables27.5M29.9M30.4M31.9M36.7M38.6M
Total Liab1.9B2.1B2.2B2.2B2.6B2.7B
Total Current Assets180.5M229.1M240.3M141.2M162.4M154.3M
Common Stock167.5M157.4M204.3M180.9M208.0M218.5M
Other Current Liab(15.2M)(24.5M)(29.2M)3.1M2.7M2.9M
Accounts Payable11.3M11.6M13.9M16.5M19.0M20.0M
Short Term Debt8.1M3.2M3.9M3.9M3.5M3.4M
Other Liab13.3M14.3M4.4M4.8M5.6M8.5M
Long Term Debt76.7M71.9M72.2M72.4M83.3M87.5M
Inventory(316.4M)(390.8M)(179.5M)(14.0M)(12.6M)(13.3M)
Intangible Assets8.3M6.5M5.2M3.9M4.5M4.8M
Net Tangible Assets209.6M205.5M217.3M273.1M314.1M170.3M
Other Current Assets316.4M390.8M192.3M2.0M1.8M1.7M
Net Invested Capital329.3M334.6M389.3M385.3M443.1M320.6M
Capital Stock167.2M157.1M204.6M180.9M208.0M191.2M

BayCom Corp Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense8.9M8.8M10.4M28.5M32.7M34.4M
Total Revenue87.0M84.1M105.3M102.8M118.3M124.2M
Gross Profit87.0M84.1M105.3M102.8M118.3M124.2M
Operating Income18.2M28.5M43.3M38.2M43.9M46.1M
Ebit18.2M30.4M32.4M38.2M43.9M46.1M
Ebitda21.9M34.3M36.5M41.1M47.3M49.7M
Net Income13.7M20.7M23.7M27.4M31.5M33.1M
Income Tax Expense4.5M7.8M10.0M10.7M12.3M13.0M
Income Before Tax18.2M28.5M37.0M38.2M43.9M46.1M
Tax Provision4.5M7.8M10.0M12.5M14.3M7.6M
Net Interest Income77.5M71.9M95.5M99.4M114.3M67.3M
Interest Income86.4M80.7M105.8M122.2M140.6M76.5M

BayCom Corp Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash3.9M80.4M(202.9M)130.7M150.3M157.8M
Free Cash Flow6.8M9.1M38.8M28.7M33.0M34.6M
Depreciation3.7M3.9M4.0M3.0M3.4M1.9M
Other Non Cash Items(2.1M)(9.8M)9.9M4.6M4.1M4.3M
Capital Expenditures3.2M1.3M843K2.1M2.4M2.6M
Net Income13.7M20.7M27.0M27.4M31.5M33.1M
End Period Cash Flow299.3M379.7M176.8M307.5M353.7M188.8M
Investments(73.7M)(60.4M)53.9M24.2M21.8M22.9M
Change To Netincome(9.8M)(562K)(3.2M)(12.2M)(11.0M)(10.5M)
Change To Inventory1.8M858K(1.8M)674K606.6K512.6K

BayCom Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining BayCom Corp's current stock value. Our valuation model uses many indicators to compare BayCom Corp value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across BayCom Corp competition to find correlations between indicators driving BayCom Corp's intrinsic value. More Info.
BayCom Corp is rated fourth in return on equity category among its peers. It also is rated fourth in return on asset category among its peers reporting about  0.12  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for BayCom Corp is roughly  8.23 . At this time, BayCom Corp's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value BayCom Corp by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

BayCom Corp Systematic Risk

BayCom Corp's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. BayCom Corp volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on BayCom Corp correlated with the market. If Beta is less than 0 BayCom Corp generally moves in the opposite direction as compared to the market. If BayCom Corp Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one BayCom Corp is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of BayCom Corp is generally in the same direction as the market. If Beta > 1 BayCom Corp moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in BayCom Corp Stock are looking for potential investment opportunities by analyzing not only static indicators but also various BayCom Corp's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of BayCom Corp growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.49

At this time, BayCom Corp's Price Earnings To Growth Ratio is quite stable compared to the past year.

BayCom Corp February 27, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of BayCom Corp help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of BayCom Corp. We use our internally-developed statistical techniques to arrive at the intrinsic value of BayCom Corp based on widely used predictive technical indicators. In general, we focus on analyzing BayCom Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build BayCom Corp's daily price indicators and compare them against related drivers.
When determining whether BayCom Corp is a strong investment it is important to analyze BayCom Corp's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact BayCom Corp's future performance. For an informed investment choice regarding BayCom Stock, refer to the following important reports:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BayCom Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in population.
For more information on how to buy BayCom Stock please use our How to buy in BayCom Stock guide.
You can also try the Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of BayCom Corp. If investors know BayCom will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about BayCom Corp listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.002
Dividend Share
0.45
Earnings Share
2.1
Revenue Per Share
8.546
Quarterly Revenue Growth
0.008
The market value of BayCom Corp is measured differently than its book value, which is the value of BayCom that is recorded on the company's balance sheet. Investors also form their own opinion of BayCom Corp's value that differs from its market value or its book value, called intrinsic value, which is BayCom Corp's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because BayCom Corp's market value can be influenced by many factors that don't directly affect BayCom Corp's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between BayCom Corp's value and its price as these two are different measures arrived at by different means. Investors typically determine if BayCom Corp is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, BayCom Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.