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Upturn AI SWOT - About
BCML 
BayCom Corp (BCML)
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Upturn Advisory Summary
09/12/2025: BCML (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
3 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $31
1 Year Target Price $31
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.37% | Avg. Invested days 49 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 323.67M USD | Price to earnings Ratio 13.59 | 1Y Target Price 31 |
Price to earnings Ratio 13.59 | 1Y Target Price 31 | ||
Volume (30-day avg) 3 | Beta 0.59 | 52 Weeks Range 21.87 - 30.64 | Updated Date 09/14/2025 |
52 Weeks Range 21.87 - 30.64 | Updated Date 09/14/2025 | ||
Dividends yield (FY) 1.82% | Basic EPS (TTM) 2.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.06% | Operating Margin (TTM) 35.62% |
Management Effectiveness
Return on Assets (TTM) 0.93% | Return on Equity (TTM) 7.5% |
Valuation
Trailing PE 13.59 | Forward PE 11.86 | Enterprise Value 116516528 | Price to Sales(TTM) 3.35 |
Enterprise Value 116516528 | Price to Sales(TTM) 3.35 | ||
Enterprise Value to Revenue 4.18 | Enterprise Value to EBITDA - | Shares Outstanding 10923700 | Shares Floating 10170917 |
Shares Outstanding 10923700 | Shares Floating 10170917 | ||
Percent Insiders 7.43 | Percent Institutions 64.18 |
Upturn AI SWOT
BayCom Corp
Company Overview
History and Background
BayCom Corp, the holding company for United Business Bank, was founded in 2004. It primarily serves small to medium-sized businesses and professionals in California and Washington. It has grown through acquisitions and organic expansion.
Core Business Areas
- Commercial Banking: Offers a range of commercial banking products and services, including commercial loans, lines of credit, and deposit accounts. Focuses on small to medium-sized businesses.
- Real Estate Lending: Provides commercial real estate loans for various property types.
- Small Business Administration (SBA) Lending: Participates in SBA lending programs to support small businesses.
- Retail Banking: Offers deposit accounts and other retail banking services to individuals and small businesses.
Leadership and Structure
The leadership team consists of experienced banking professionals. BayCom Corp operates with a traditional bank holding company structure, with United Business Bank as its primary subsidiary.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary revenue driver for the bank. Market share data is difficult to ascertain without more granular data, but BayCom competes with larger regional and national banks. Competitors include Bank of America, Wells Fargo, and smaller regional banks.
- Commercial Real Estate Loans: Commercial real estate lending is a key offering. Competition is similar to commercial lending, with local and national banks vying for market share. Market share data is difficult to pinpoint.
- SBA Loans: BayCom provides loans guaranteed by the Small Business Administration to small businesses. Competitors are other banks who engage in SBA loans. The market share is highly fragmented.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, inflation, and increased regulatory scrutiny. Community banks are competing with larger institutions and fintech companies.
Positioning
BayCom Corp focuses on providing personalized service to small and medium-sized businesses, differentiating itself from larger national banks. Its regional focus provides local market expertise.
Total Addressable Market (TAM)
The TAM for commercial banking in California and Washington is significant, estimated at hundreds of billions of dollars. BayCom Corp holds a relatively small portion of this TAM, leaving room for growth. BayCom is positioned as a relationship-focused bank in a competitive market.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Focus on small to medium-sized businesses
- Established relationships with customers
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Reliance on traditional banking model
- Higher cost structure than Fintech companies
Opportunities
- Expanding into new markets within California and Washington
- Increasing market share through targeted marketing
- Adopting new technologies to improve efficiency
- Acquiring smaller banks to expand footprint
Threats
- Increasing competition from larger banks and fintech companies
- Rising interest rates and inflation
- Economic downturn in California and Washington
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- BofA
- WFC
- USB
Competitive Landscape
BayCom Corp competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantage lies in its local market knowledge and personalized service.
Growth Trajectory and Initiatives
Historical Growth: BayCom Corp has grown through a combination of organic growth and acquisitions. Past performance is unavailable in the prompt.
Future Projections: Future projections are not available in the prompt and would need to come from analyst estimates.
Recent Initiatives: Recent strategic initiatives may include expanding into new markets, launching new products, or investing in technology.
Summary
BayCom Corp is a community-focused bank that is operating in a competitive environment. Its strength lies in its customer service and local presence. It needs to be aware of rising interest rates and the competition with Fintech companies.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Industry Reports
- SEC Filings (simulated)
Disclaimers:
This analysis is based on limited information and is for illustrative purposes only. It is not financial advice. Market share data and other numerical information are simulated.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About BayCom Corp
Exchange NASDAQ | Headquaters Walnut Creek, CA, United States | ||
IPO Launch date 2004-08-09 | President, CEO & Founding Director Mr. George J. Guarini | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 331 | |
Full time employees 331 | |||
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, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier's and travelers checks; letters of credit; and 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; Las Vegas, Nevada; 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.
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