Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BCML
SellSinkerBayCom Corp · Financial Services · United States · $331M · Avg Vol: $2M/d
COMPANY DESCRIPTION
BayCom Corp is the holding company for United Business Bank, a community-focused financial institution providing a comprehensive range of banking services to individuals and small to medium-sized businesses. The bank cultivates a strong local presence, offering personalized customer service and specialized lending solutions, particularly across its key markets in California and Washington. Its competitive advantage lies in its deep understanding of local economies and its relationship-based banking model.
FINANCIAL SUMMARY (USD)
| Year | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 84.0M | 100.9M | 104.4M | 97.1M | 101.4M | 4.8% | 95.7M | 108.2M | 112.0M | 5.1% |
| EPS | 1.90 | 2.06 | 2.27 | 2.10 | 2.18 | 3.5% | 1.20 | 1.81 | 2.39 | 4.7% |
| Shares | 10.7M | 12.8M | 11.6M | 11.1M | 10.9M | +1.9% | 10.9M | — | — | — |
| Debt | 84.6M | 89.3M | 87.2M | 86.8M | 22.4M | -28.3% | 46.6M | — | — | — |
| Equity | 262.6M | 317.1M | 312.9M | 324.4M | 338.6M | 6.6% | — | — | — | — |
| Op CF | 10.4M | 39.6M | 30.8M | 30.4M | 31.8M | 32.2% | 28.3M | — | — | — |
| Inv CF | -60.4M | 53.9M | 80.4M | -62.2M | -90.8M | — | — | — | — | — |
| Fin CF | 130.3M | -296.4M | 19.5M | 88.3M | -98.6M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BCML are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BCML | BayCom Corp(you) | $331M | 35 | Sell |
| PBFS | Pioneer Bancorp, Inc. | $426M | 37 | Hold |
| FCBM | First Carolina Financial Services, Inc. | $391M | 30 | Sell |
| WNEB | Western New England Bancorp, Inc. | $275M | 40 | Hold |
| OVBC | Ohio Valley Banc Corp. | $215M | 36 | Hold |
| AVBH | Avidbank Holdings, Inc. | $348M | 26 | Sell |
| ISBA | Isabella Bank Corporation | $301M | 27 | Sell |
| CZWI | Citizens Community Bancorp, Inc. | $203M | 36 | Hold |
| INBK | First Internet Bancorp | $245M | 40 | Hold |
| FNWD | Finward Bancorp | $188M | 36 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%