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BayCom Corp

BCML

$30.77 ▼ -0.63 (-2.01%) at close

11 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

BayCom Corp shows strong fundamentals with top-quartile Profit Margin (%) and Operating Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $338.2M

Dividend Yield 2.92%

Revenue Growth 3.1% ↗

Op. Margin 32.4% →

ROIC None

FCF / Share None

Trailing P/E 14.1x

Price / Book 1.0x

FCF Yield —

Debt / Equity —

info Valuation on last close. End-of-day price, Nov 5, 2026.

11-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$100.54M

↑ +3.1% —

Net Income Profit after all expenses

$23.93M

↑ +1.3% —

Operating Margin Operating profit as % of sales

32.4%

↓ -1.5% 88th

trending_up

Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability →

Returns ↓

Dividend History

Dividend / share · sourced from SEC filings

$0.90 Latest / share

+100.0% YoY

+65.1% 4-yr CAGR

FY 2015

FY 2016

FY 2017

FY 2018

FY 2019

FY 2020

FY 2021

$0.20

FY 2022

$0.40

FY 2023

$0.45

FY 2024

$0.90

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue Growth YoY (%)	3.1% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	-7.0% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-217%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	22.3% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+271%)	-3.4% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-157%)	12.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+109%)	31.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+419%)	31.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+431%)	60.3% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+905%)	—	—
EPS Growth YoY (%)	3.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-7.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	25.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-4.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	65.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-21.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-2.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	85.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-26.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	1.3% Caution ↓ Caution Declining Year-over-year change in net income	-13.9% Weak ↓ Weak Declining Year-over-year change in net income	15.6% Good → Good Stable Year-over-year change in net income	14.7% Fair ↓ Fair Declining Year-over-year change in net income	50.7% Excellent ↓ Excellent Declining Year-over-year change in net income	-20.7% Weak ↓ Weak Declining Year-over-year change in net income	19.5% Good ↓ Good Declining Year-over-year change in net income	175.5% Excellent Excellent Year-over-year change in net income	-11.0% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	-0.7% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	5.1% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	6.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	9.9% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	12.5% Good ↓ Good Declining Compound annual revenue growth over 3 years	24.9% Excellent Excellent Compound annual revenue growth over 3 years	40.5% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	2.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.7% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	12.2% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	18.1% Excellent Excellent Compound annual revenue growth over 5 years	24.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	6.4% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	3.4% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	25.4% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	12.4% Good Good Compound annual EPS growth over 3 years	10.1% Good Good Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Operating Margin (%) (%)	32.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	32.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+32%)	36.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+46%)	31.6% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	33.9% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	20.9% Good Good Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-16%)	—	—	—	—	—
Effective Tax Rate (%) (%)	26.6% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.8% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.3% Caution Caution Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.7% Fair Fair Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—
Profit Margin (%) (%)	23.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	24.2% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+10%)	26.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+19%)	23.1% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	15.8% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-28%)	22.4% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	24.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+12%)	11.8% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-47%)	21.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.9% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	7.1% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-41%)	7.3% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-39%)	8.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-27%)	7.5% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-38%)	7.9% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-34%)	5.4% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	6.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	7.2% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-40%)	4.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	7.6% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-37%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Revenue per Share (USD)	$9.15	$8.66	$8.68	$7.83	$7.73	$7.28	$6.58	$6.09	$6.86	$5.13	—
Basic EPS, GAAP (USD)	$2.18	$2.10	$2.27	$1.81	$1.90	$1.15	$1.47	$1.50	$0.81	$1.10	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.90	$0.45	$0.40	$0.20	—	—	—	—	—	—	—
Book Value per Share (USD)	$31.10	$29.17	$27.09	$24.70	$24.59	$22.36	$20.43	$18.47	$15.82	$14.35	—
Tangible Book Value per Share (USD)	$27.53	$25.67	$23.72	$21.68	$20.95	$18.92	$17.58	$17.13	$14.44	$14.35	—
Basic Weighted Avg Shares (shares)	10.99M	11.26M	12.07M	13.12M	10.88M	11.97M	11.76M	9.69M	6.52M	5.44M	—
Dividend Payout Ratio (%)	41.3% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	21.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	17.6% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	11.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	—	—	—	—	—	—	$6.00M	—	—
Total Equity (USD)	$338.55M	$324.37M	$312.87M	$317.15M	$262.61M	$252.59M	$254.22M	$200.75M	$118.64M	$78.06M	$72.38M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Sales/Revenue/Turnover (USD)	$100.54M	$97.52M	$104.85M	$102.81M	$84.08M	$87.07M	$77.38M	$59.00M	$44.73M	$27.91M	—
Depreciation Expense (USD)	—	—	—	—	$2.04M	$1.86M	$1.20M	$935.00K	$762.00M	$498.00M	—
Net Income, GAAP (USD)	$23.93M	$23.61M	$27.43M	$23.73M	$20.69M	$13.73M	$17.32M	$14.49M	$5.26M	$5.91M	—
Operating Cash Flow (USD)	$31.83M	$30.36M	$30.80M	$39.61M	$10.43M	$10.00M	$6.96M	$6.24M	$9.33M	$6.32M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗
Net Interest Margin (approx.) (%)	3.6%	3.4%	3.8%	3.8%	3.1%	3.6%	3.4%	3.5%	3.2%	—	—
Efficiency Ratio (%) (%)	63.5%	65.8%	61.7%	64.1%	65.6%	67.2%	66.5%	62.2%	67.3%	60.8%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 11 years · 37 quarters

BayCom Corp

Analytical Summary

11-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

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