BCML - Baycom Corp Stock Price, Fair Value and News

20.75USD+0.05 (+0.24%)Market Closed

Market Summary

USD20.75+0.05

Market Closed

0.24%

BCML Stock Price

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BCML RSI Chart

BCML Valuation

Market Cap

233.4M

Price/Earnings (Trailing)

8.94

Price/Sales (Trailing)

1.82

EV/EBITDA

-0.88

Price/Free Cashflow

9.25

BCML Price/Sales (Trailing)

BCML Profitability

EBT Margin

28.35%

Return on Equity

8.31%

Return on Assets

1.02%

Free Cashflow Yield

10.81%

BCML Fundamentals

BCML Revenue

Revenue (TTM)

128.0M

Rev. Growth (Yr)

5.62%

Rev. Growth (Qtr)

-1.39%

BCML Earnings

Earnings (TTM)

26.1M

Earnings Growth (Yr)

-18.27%

Earnings Growth (Qtr)

-8.13%

Breaking Down BCML Revenue

Last 7 days

2.2%

Last 30 days

5.0%

Last 90 days

3.7%

Trailing 12 Months

32.8%

How does BCML drawdown profile look like?

BCML Financial Health

BCML Investor Care

Dividend Yield

1.93%

Dividend/Share (TTM)

0.4

Buy Backs (1Y)

8.64%

Diluted EPS (TTM)

2.21

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	128.0M	0	0	0
2023	112.3M	118.0M	123.7M	126.3M
2022	86.1M	91.8M	98.9M	107.1M
2021	85.0M	82.2M	80.9M	81.6M
2020	82.7M	87.5M	88.4M	87.2M
2019	59.7M	63.9M	70.0M	76.5M
2018	50.4M	53.4M	54.6M	56.9M
2017	33.3M	36.9M	40.6M	44.3M
2016	0	0	0	29.6M

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Tracking the Latest Insider Buys and Sells of Baycom Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Jan 01, 2024	pak rick	acquired	-	-	2,089	evp and chief lending officer
Jan 01, 2024	colwell keary l.	acquired	-	-	4,483	senior evp, cfo and secretary
Jan 01, 2024	curley mary therese	acquired	-	-	2,089	evp and labor services div.
Jan 01, 2024	zhu izabella l.	acquired	-	-	1,497	evp and chief risk officer
Jan 01, 2024	king janet lee	acquired	-	-	4,483	senior evp and coo
Jan 01, 2024	guarini george j.	acquired	-	-	7,770	president and ceo
Aug 14, 2023	camp james s.	gifted	-	-	-3,837	-
Aug 14, 2023	camp james s.	gifted	-	-	3,837	-
Jul 03, 2023	kendall lloyd w. jr.	acquired	-	-	1,619	-
Jul 03, 2023	magid syvia l.	acquired	-	-	1,619	-

Which funds bought or sold BCML recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-40.35	-20,829	22,671	-%
May 15, 2024	Royal Bank of Canada	reduced	-31.09	-90,000	136,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.12	-251,263	2,080,370	0.04%
May 15, 2024	ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	added	104	214,000	488,000	-%
May 15, 2024	TWO SIGMA INVESTMENTS, LP	reduced	-5.15	-78,262	378,606	-%
May 15, 2024	MILLENNIUM MANAGEMENT LLC	new	-	252,493	252,493	-%
May 15, 2024	GOLDMAN SACHS GROUP INC	added	4.13	-182,684	1,842,000	-%
May 15, 2024	TWO SIGMA ADVISERS, LP	reduced	-6.84	-83,413	364,797	-%
May 15, 2024	CAPTRUST FINANCIAL ADVISORS	reduced	-0.82	-71,408	463,354	-%
May 15, 2024	Tower Research Capital LLC (TRC)	sold off	-100	-13,399	-	-%

Are Funds Buying or Selling BCML?

Are funds buying BCML calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BCML

No. of Funds

Unveiling Baycom Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 13, 2024	manulife financial corp	0.02%	-	SC 13G/A
Feb 13, 2024	vanguard group inc	5.77%	666,164	SC 13G
Feb 08, 2024	wellington management group llp	6.12%	707,393	SC 13G
Feb 08, 2024	bay pond partners, l.p.	4.09%	472,545	SC 13G/A
Feb 08, 2024	ithan creek master investors (cayman), l.p.	1.08%	124,361	SC 13G/A
Jan 25, 2024	blackrock inc.	8.4%	968,006	SC 13G/A
Feb 23, 2023	bay pond partners, l.p.	5.54%	710,914	SC 13G
Feb 14, 2023	ejf capital llc	0%	0	SC 13G/A
Feb 14, 2023	manulife financial corp	0.00%	-	SC 13G/A
Feb 10, 2023	basswood capital management, l.l.c.	2.76%	358,425	SC 13G/A

Recent SEC filings of Baycom Corp

View All Filings

Date Filed	Form Type	Document
May 10, 2024	10-Q	Quarterly Report
Apr 26, 2024	DEFA14A	DEFA14A
Apr 26, 2024	DEF 14A	DEF 14A
Apr 26, 2024	ARS	ARS
Apr 18, 2024	8-K	Current Report
Mar 29, 2024	8-K	Current Report
Mar 15, 2024	10-K	Annual Report
Mar 06, 2024	8-K	Current Report
Feb 22, 2024	8-K	Current Report
Feb 13, 2024	SC 13G/A	Major Ownership Report

Peers (Alternatives to Baycom Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

Baycom Corp News

Latest updates

Baycom Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-1.4%	32.00	32.00	33.00	31.00	30.00	30.00	27.00	26.00	25.00	21.00	20.00	20.00	20.00	21.00	21.00	23.00	22.00	22.00	20.00	18.00	16.00
EBITDA Margin	-4.7%	1.03*	1.08*	1.15*	1.21*	1.22*	1.23*	1.22*	1.22*	1.25*	1.27*	1.24*	1.20*	1.16*	-	-	-	-	-	-	-	-
Interest Expenses	-4.8%	22.00	24.00	25.00	24.00	25.00	26.00	25.00	23.00	22.00	19.00	18.00	18.00	18.00	18.00	19.00	21.00	20.00	19.00	18.00	16.00	15.00
Income Taxes	-5.7%	2.00	2.00	3.00	3.00	3.00	3.00	3.00	2.00	1.00	2.00	2.00	2.00	2.00	1.00	1.00	1.00	1.00	1.00	2.00	1.00	2.00
Earnings Before Taxes	-7.5%	8.00	9.00	9.00	10.00	10.00	10.00	10.00	6.00	7.00	8.00	7.00	7.00	6.00	6.00	4.00	4.00	4.00	-	-	-	-
EBT Margin	-6.1%	0.28*	0.30*	0.32*	0.34*	0.32*	0.30*	0.30*	0.30*	0.34*	0.35*	0.33*	0.29*	0.24*	-	-	-	-	-	-	-	-
Net Income	-8.1%	6.00	6.00	7.00	7.00	7.00	8.00	7.00	4.00	5.00	5.00	5.00	5.00	5.00	5.00	3.00	3.00	3.00	5.00	6.00	2.00	5.00
Net Income Margin	-6.0%	0.20*	0.22*	0.23*	0.25*	0.23*	0.22*	0.22*	0.22*	0.25*	0.25*	0.24*	0.21*	0.18*	-	-	-	-	-	-	-	-
Free Cashflow	-43.6%	4.00	7.00	2.00	12.00	7.00	16.00	12.00	8.00	3.00	5.00	-3.47	8.00	0.00	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q4	2019Q3	2019Q2
Assets	0.3%	2,561	2,552	2,574	2,567	2,548	2,513	2,534	2,678	2,756	2,351	2,364	2,334	2,288	2,196	2,272	2,190	2,169	1,994	2,200	1,771	1,772
Cash Equivalents	13.3%	348	308	302	250	198	177	225	355	427	380	444	469	458	299	320	204	274	295	-	337	352
Net PPE	4.5%	14.00	14.00	13.00	13.00	13.00	13.00	14.00	14.00	14.00	14.00	15.00	15.00	15.00	15.00	16.00	15.00	15.00	11.00	0.00	7.00	7.00
Goodwill	0.1%	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	39.00	35.00	9.00	26.00	26.00
Liabilities	0.3%	2,246	2,239	2,267	2,260	2,235	2,196	2,220	2,357	2,431	2,088	2,107	2,082	2,034	1,943	2,016	1,937	1,915	1,740	205	1,530	1,537
Shareholder's Equity	0.4%	314	313	307	307	313	317	314	321	325	263	257	253	255	253	255	252	254	254	-	241	235
Retained Earnings	3.2%	151	146	141	136	130	124	117	111	108	103	98.00	92.00	87.00	82.00	78.00	75.00	71.00	69.00	-	64.00	58.00
Additional Paid-In Capital	0%	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	0.00	0.00
Shares Outstanding	-1.5%	11.00	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	11.00	11.00	11.00	11.00	-	-	-	-	-	-	-	-
Float	-	-	-	-	184	-	-	-	265	-	-	-	194	-	-	-	145	-	-	-	-	254

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-39.6%	5,083	8,409	2,604	12,245	7,544	15,856	12,255	8,655	2,846	5,038	-3,083	7,823	651	3,840	5,264	3,857	-2,964	1,575	3,215	2,624	-458
Share Based Compensation	13.5%	160	141	153	182	250	233	232	232	325	317	326	351	413	399	385	363	309	347	367	320	120
Cashflow From Investing	12.8%	31,022	27,507	42,469	31,471	-21,045	-28,677	5,794	-640	77,463	-47,204	-50,239	-33,305	70,386	58,385	32,467	-93,174	-71,335	-32,549	-10,543	27,469	16,550
Cashflow From Financing	115.5%	4,688	-30,311	6,662	8,945	34,224	-35,045	-147,882	-80,700	-32,797	-22,605	29,087	36,436	87,373	-82,731	78,383	18,729	53,226	-10,722	-7,188	-10,971	-7,201
Dividend Payments	-1.8%	1,156	1,177	1,196	620	644	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Buy Backs	63.9%	3,998	2,440	4,520	9,088	8,066	4,415	7,828	4,448	1,268	93.00	426	8,831	2,201	7,514	684	5,463	4,596	10,957	-	-	-

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BCML Income Statement

2024-03-31

CONDENSED CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income:
Loans, including fees	$ 25,257	$ 26,255
Investment securities	1,956	1,640
Fed funds sold and interest-bearing balances in banks	4,115	1,829
FHLB dividends	272	188
FRB dividends	144	144
Total interest and dividend income	31,744	30,056
Interest expense:
Deposits	8,227	3,700
Subordinated debt	893	896
Junior subordinated deferrable interest debentures	217	203
Total interest expense	9,337	4,799
Net interest income	22,407	25,257
Provision for credit losses	252	275
Net interest income after provision for credit losses	22,155	24,982
Noninterest income:
Gain on sale of loans		412
Gain (loss) on equity securities	573	(896)
Loan servicing and other loan fees	392	410
(Loss) income on investment in Small Business Investment Company ("SBIC") fund	(30)	489
Other income and fees	288	261
Total noninterest income	2,062	1,561
Noninterest expense:
Salaries and employee benefits	10,036	11,036
Occupancy and equipment	2,154	2,027
Data processing	1,753	1,465
Other expense	2,128	2,001
Total noninterest expense	16,071	16,529
Income before provision for income taxes	8,146	10,014
Provision for income taxes	2,269	2,823
Net income	$ 5,877	$ 7,191
Earnings per common share:
Basic earnings per common share (in dollars per share)	$ 0.51	$ 0.57
Weighted average common shares outstanding (in shares)	11,525,752	12,699,476
Diluted earnings per common share (in dollars per share)	$ 0.51	$ 0.57
Weighted average common shares outstanding (in shares)	11,525,752	12,699,476
Service charges and other fees
Noninterest income:
Service charges and other fees	$ 839	$ 885

BCML Balance Sheet

2024-03-31

CONDENSED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash due from banks	$ 20,379	$ 17,901
Federal funds sold and interest-bearing balances in banks	327,953	289,638
Cash and cash equivalents	348,332	307,539
Time deposits in banks	996	1,245
Investment securities available-for-sale ("AFS"), at fair value, net of allowance for credit losses of $0 at both March 31, 2024 and December 31, 2023	167,919	163,152
Equity securities	13,158	12,585
Federal Home Loan Bank ("FHLB") stock, at par	11,313	11,313
Federal Reserve Bank ("FRB") stock, at par	9,630	9,626
Loans held for sale	1,684
Loans, net of allowance for credit losses of $18,890 at March 31, 2024 and $22,000 at December 31, 2023	1,867,840	1,905,829
Premises and equipment, net	14,355	13,734
Other real estate owned ("OREO")	0	0
Core deposit intangible, net	3,610	3,915
Cash surrender value of bank owned life insurance ("BOLI") policies, net	23,044	22,867
Right-of-use assets ("ROU"), net	13,460	13,939
Goodwill	38,838	38,838
Interest receivable and other assets	46,530	47,378
Total assets	2,560,709	2,551,960
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest and interest bearing deposits	2,142,907	2,132,750
Junior subordinated deferrable interest debentures, net	8,585	8,565
Subordinated debt, net	63,609	63,881
Salary continuation plan	4,667	4,552
Lease liabilities	14,321	14,752
Interest payable and other liabilities	12,385	14,591
Total liabilities	2,246,474	2,239,091
Commitments and contingencies (Note 17)
Shareholders' equity
Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding at both March 31, 2024 and December 31, 2023
Common stock, no par value; 100,000,000 shares authorized; 11,377,117 and 11,551,271 shares issued and outstanding at March 31, 2024 and December 31, 2023, respectively	177,075	180,913
Additional paid in capital	287	287
Accumulated other comprehensive loss, net of tax	(14,108)	(14,592)
Retained earnings	150,981	146,261
Total shareholders' equity	314,235	312,869
Total liabilities and shareholders' equity	$ 2,560,709	$ 2,551,960

About Baycom Corp

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, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, 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; 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.

CEO	Mr. George J. Guarini
WEBSITE	unitedbusinessbank.com
INDUSTRY	Banks Diversified
EMPLOYEES	383

Baycom Corp Frequently Asked Questions

What is the ticker symbol for Baycom Corp? What does BCML stand for in stocks?

BCML is the stock ticker symbol of Baycom Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Baycom Corp (BCML)?

As of Fri May 17 2024, market cap of Baycom Corp is 233.4 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BCML stock?

You can check BCML's fair value in chart for subscribers.

What is the fair value of BCML stock?

You can check BCML's fair value in chart for subscribers. The fair value of Baycom Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Baycom Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BCML so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Baycom Corp a good stock to buy?

The fair value guage provides a quick view whether BCML is over valued or under valued. Whether Baycom Corp is cheap or expensive depends on the assumptions which impact Baycom Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BCML.

What is Baycom Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BCML's PE ratio (Price to Earnings) is 8.94 and Price to Sales (PS) ratio is 1.82. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BCML PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Baycom Corp's stock?

In the past 10 years, Baycom Corp has provided 0.088 (multiply by 100 for percentage) rate of return.