Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BCML
HOLDBayCom Corp · Financial Services · United States · $346M · Avg Vol: $3M/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% | 100.2M | 105.6M | 112.7M | 5.4% |
| EPS | 1.90 | 2.06 | 2.27 | 2.10 | 2.18 | 3.5% | 2.42 | 1.30 | 2.73 | 11.8% |
| 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% | 20.4M | — | — | — |
| 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% | 29.5M | — | — | — |
| 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) | $346M | 62 | HOLD |
| WNEB | Western New England Bancorp, Inc. | $287M | 65 | HOLD |
| RMBI | Richmond Mutual Bancorporation, Inc. | $249M | 63 | HOLD |
| FRST | Primis Financial Corp. | $382M | 69 | BUY |
| CBAN | Colony Bankcorp, Inc. | $462M | 65 | BUY |
| ISTR | Investar Holding Corporation | $411M | 68 | BUY |
| USCB | USCB Financial Holdings, Inc. | $396M | 69 | BUY |
| MRBK | Meridian Corporation | $236M | 60 | HOLD |
| CHMG | Chemung Financial Corporation | $390M | 55 | HOLD |
| FCCO | First Community Corporation | $316M | 71 | BUY |
Peer medians: ROE 9.5% · P/E 13.9x · Gross margin 100.0%