BCML - Baycom Corp Stock Price, Fair Value and News

19.86USD-0.16 (-0.80%)Delayed as of 22 Apr 2024, 12:01 pm ET

Market Summary

USD19.86-0.16

Delayedas of 22 Apr 2024, 12:01 pm

-0.80%

BCML Stock Price

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BCML RSI Chart

BCML Valuation

Market Cap

229.6M

Price/Earnings (Trailing)

8.37

Price/Sales (Trailing)

1.82

EV/EBITDA

-0.57

Price/Free Cashflow

8.01

BCML Price/Sales (Trailing)

BCML Profitability

EBT Margin

30.20%

Return on Equity

8.77%

Return on Assets

1.07%

Free Cashflow Yield

12.49%

BCML Fundamentals

BCML Revenue

Revenue (TTM)

126.3M

Rev. Growth (Yr)

9.11%

Rev. Growth (Qtr)

-1.95%

BCML Earnings

Earnings (TTM)

27.4M

Earnings Growth (Yr)

-16.09%

Earnings Growth (Qtr)

-3.51%

Breaking Down BCML Revenue

52 Week Range

15.0220.56

(Low)(High)

Last 7 days

1.0%

Last 30 days

-1.3%

Last 90 days

-6.2%

Trailing 12 Months

20.9%

How does BCML drawdown profile look like?

BCML Financial Health

BCML Investor Care

Dividend Yield

Dividend/Share (TTM)

0.4

Buy Backs (1Y)

11.04%

Diluted EPS (TTM)

2.27

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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

Get all data in R, Python etc through our Historical Stock Data APIs

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
Apr 18, 2024	Aspire Private Capital, LLC	unchanged	-	-59.00	412	-%
Apr 15, 2024	Concurrent Investment Advisors, LLC	new	-	301,646	301,646	0.01%
Apr 05, 2024	GAMMA Investing LLC	added	76.67	480	1,092	-%
Apr 05, 2024	CWM, LLC	new	-	-	-	-%
Apr 05, 2024	LOS ANGELES CAPITAL MANAGEMENT LLC	reduced	-1.19	-84,105	531,099	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.33	2,960,520	15,714,800	-%
Mar 01, 2024	GOLDMAN SACHS GROUP INC	added	96.94	2,375,020	4,049,360	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-5.02	18,736	131,326	-%
Feb 15, 2024	MERCER GLOBAL ADVISORS INC /ADV	unchanged	-	94,000	504,000	-%
Feb 15, 2024	BARCLAYS PLC	added	85.12	382,000	682,000	-%

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
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
Feb 13, 2024	SC 13G	Major Ownership Report
Feb 08, 2024	SC 13G/A	Major Ownership Report
Feb 08, 2024	SC 13G/A	Major Ownership Report
Feb 08, 2024	SC 13G	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	535.2B	171.1B	-5.35%	31.97%	10.8	3.13	60.72%	31.52%
BAC	291.1B	130.3B	0.60%	23.65%	10.98	2.23	79.51%	-3.68%
WFC	216.0B	85.7B	5.36%	44.88%	11.28	2.52	41.49%	39.96%
C	113.1B	133.3B	-1.61%	19.76%	12.25	0.85	79.09%	-
CFG	15.6B	10.2B	-2.44%	16.96%	9.7	1.53	44.53%	-22.43%
KEY	13.7B	7.9B	-2.66%	21.59%	14.14	1.72	46.47%	-49.56%
MID-CAP
CMA	6.8B	4.2B	-0.35%	12.62%	7.76	1.64	56.25%	-23.46%
ZION	5.9B	3.9B	-3.44%	28.21%	8.69	1.5	45.91%	-25.03%
ABCB	3.2B	1.3B	-2.65%	33.98%	11.87	2.5	43.24%	-22.35%
ASB	3.1B	2.0B	-1.20%	13.72%	16.97	1.59	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	409.6M	164.9M	-5.29%	32.50%	35.02	2.48	42.66%	-70.76%
AROW	377.2M	162.6M	-6.69%	-0.22%	12.54	2.32	25.39%	-38.37%
ACNB	276.3M	96.6M	-11.56%	-1.79%	8.72	2.86	11.02%	-11.37%
ASRV	47.0M	60.9M	2.66%	-13.74%	-14.04	0.77	24.06%	-144.92%

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	-1.9%	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	15.00
EBITDA Margin	-5.3%	1.08*	1.14*	1.21*	1.22*	1.23*	1.22*	1.22*	1.25*	1.27*	1.24*	1.20*	1.16*	1.13*	-	-	-	-	-	-	-	-
Interest Expenses	-5.2%	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	14.00
Income Taxes	-8.9%	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	1.00
Earnings Before Taxes	-5.0%	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	-6.2%	0.30*	0.32*	0.34*	0.32*	0.30*	0.30*	0.30*	0.34*	0.35*	0.33*	0.29*	0.24*	0.21*	-	-	-	-	-	-	-	-
Net Income	-3.5%	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	3.00
Net Income Margin	-6.3%	0.22*	0.23*	0.25*	0.23*	0.22*	0.22*	0.22*	0.25*	0.25*	0.24*	0.21*	0.18*	0.16*	-	-	-	-	-	-	-	-
Free Cashflow	237.3%	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q4	2019Q3	2019Q2	2019Q2
Assets	-0.9%	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	318
Cash Equivalents	1.9%	308	302	250	198	177	225	355	427	380	444	469	458	299	320	204	274	295	-	337	352	-
Net PPE	2.0%	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	35.00	9.00	26.00	26.00	12.00
Liabilities	-1.2%	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	267
Shareholder's Equity	1.8%	313	307	307	313	317	314	321	325	263	257	253	255	253	255	252	254	254	-	241	235	-
Retained Earnings	3.7%	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	-
Shares Outstanding	-1.0%	12.00	12.00	12.00	12.00	13.00	13.00	13.00	13.00	11.00	11.00	11.00	11.00	12.00	-	-	-	-	-	-	-	-
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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	222.9%	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	4,479
Share Based Compensation	-7.8%	141	153	182	250	233	232	232	325	317	326	351	413	399	385	363	309	347	367	320	120	362
Cashflow From Investing	-35.2%	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	14,320
Cashflow From Financing	-555.0%	-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	-8,435
Dividend Payments	-1.6%	1,177	1,196	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Buy Backs	-46.0%	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	-	-	-	-

BCML Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income:
Loans, including fees	$ 106,316	$ 95,722	$ 76,099
Investment securities	6,993	6,085	3,893
Fed funds sold and interest-bearing balances in banks	11,589	4,025	665
FHLB dividends	862	684	494
FRB dividends	577	549	458
Total interest and dividend income	126,337	107,065	81,609
Interest expense:
Deposits	24,040	6,273	4,875
Subordinated debt	3,582	3,582	3,582
Junior subordinated deferrable interest debentures	841	496	345
Total interest expense	28,463	10,351	8,802
Net interest income	97,874	96,714	72,807
Provision for credit losses	2,015	4,441	466
Net interest income after provision for credit losses	95,859	92,273	72,341
Noninterest income:
Gain on sale of loans	508	2,747	4,795
Loss on equity securities	(1,141)	(4,573)	0
Loan servicing and other loan fees	1,879	2,176	1,833
Income (loss) on investment in Small Business Investment Company ("SBIC") fund	1,097	(70)	1,274
Bargain purchase gain		1,665
Other income and fees	1,064	1,048	963
Total noninterest income	6,977	6,100	11,268
Noninterest expense:
Salaries and employee benefits	41,001	40,480	33,761
Occupancy and equipment	8,158	8,384	7,384
Data processing	6,622	6,969	5,565
Other expense	8,897	10,102	8,419
Total noninterest expense	64,678	65,935	55,129
Income before provision for income taxes	38,158	32,438	28,480
Provision for income taxes	10,733	8,708	7,789
Net income	$ 27,425	$ 23,730	$ 20,691
Earnings per common share:
Basic earnings per common share (in dollars per share)	$ 2.27	$ 1.81	$ 1.90
Weighted average common shares outstanding (in shares)	12,074,198	13,124,179	10,882,344
Diluted earnings per common share (in dollars per share)	$ 2.27	$ 1.81	$ 1.90
Weighted average common shares outstanding (in shares)	12,074,198	13,124,179	10,882,344
Service charges and other fees
Noninterest income:
Service charges and other fees	$ 3,570	$ 3,107	$ 2,403

BCML Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash due from banks	$ 17,901	$ 26,980
Federal funds sold and interest-bearing balances in banks	289,638	149,835
Cash and cash equivalents	307,539	176,815
Time deposits in banks	1,245	2,241
Investment securities available-for-sale ("AFS"), at fair value, net of allowance for credit losses of $0 at both December 31, 2023 and December 31, 2022	163,152	154,004
Equity securities	12,585	13,757
Federal Home Loan Bank ("FHLB") stock, at par	11,313	10,679
Federal Reserve Bank ("FRB") stock, at par	9,626	9,602
Loans held for sale		2,380
Loans, net of allowance for credit losses of $22,000 at December 31, 2023 and $18,900 at December 31, 2022	1,905,829
Loans, net of allowance for credit losses of $22,000 at Decem-ber 31, 2023 and $18,900 at December 31, 2022		2,002,224
Premises and equipment, net	13,734	13,278
Other real estate owned ("OREO")		21
Core deposit intangible, net	3,915	5,201
Cash surrender value of bank owned life insurance ("BOLI") policies, net	22,867	22,193
Right-of-use assets ("ROU"), net	13,939	16,569
Goodwill	38,838	38,838
Interest receivable and other assets	47,378	45,532
Total assets	2,551,960	2,513,334
LIABILITIES AND SHAREHOLDERS' EQUITY
Noninterest and interest bearing deposits	2,132,750	2,085,479
Junior subordinated deferrable interest debentures, net	8,565	8,484
Subordinated debt, net	63,881	63,711
Salary continuation plan	4,552	4,840
Lease liabilities	14,752	17,138
Interest payable and other liabilities	14,591	16,533
Total liabilities	2,239,091	2,196,185
Commitments and contingencies (Note 16)
Shareholders' equity
Preferred stock, no par value; 10,000,000 shares authorized; no shares issued and outstanding at both December 31, 2023 and December 31, 2022
Common stock, no par value; 100,000,000 shares authorized; 11,551,271 and 12,838,462 shares issued and outstanding at December 31, 2023 and December 31, 2022, respectively	180,913	204,301
Additional paid in capital	287	287
Accumulated other comprehensive loss, net of tax	(14,592)	(11,561)
Retained earnings	146,261	124,122
Total shareholders' equity	312,869	317,149
Total liabilities and shareholders' equity	$ 2,551,960	$ 2,513,334

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 Apr 19 2024, market cap of Baycom Corp is 229.61 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 Apr 19 2024, BCML's PE ratio (Price to Earnings) is 8.37 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.