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Upturn AI Summary - About
BayCom Corp(BCML)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for BCML
11/13/2026: BCML (1-star) has a low Upturn Star Rating. Not recommended to BUY.
BayCom Corp is a regional bank holding company focused on commercial and consumer banking, primarily in California. The company has successfully grown through strategic acquisitions, establishing a solid presence in its local markets. Its primary growth opportunity lies in leveraging its established footprint to increase loan production while managing operational efficiency. Key risks include its geographic concentration in California, potential volatility in commercial real estate values, and ongoing competition from both larger regional players and digital platforms. The stock may best suit value-oriented investors who favor a stable, relationship-driven banking model, with performance developments in loan quality and interest margin management remaining key areas to monitor.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company shows moderate growth potential through acquisitions but lacks the high-growth trajectory of technology-sector firms. |
| Momentum investor | Weak fit | The stock often lacks the high-volume trading and sustained price momentum favored by momentum investors. |
| Value investor | Strong fit | Regional bank stocks often trade at valuation multiples that appeal to value investors looking for tangible book value. |
| Dividend investor | Weak fit | The company has historically prioritized capital retention, making it less attractive for income-focused portfolios. |
| Low-risk investor | Mixed fit | While banking is regulated, regional concentration and real estate exposure introduce specific risk factors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks are sensitive to macro economic shifts and interest rate volatility. |
| Valuation risk | Medium | Changes in price-to-book valuations can impact investment attractiveness. |
| Competition risk (regional banking competition) | High | Intense competition for deposits and loans from larger institutions threatens margins. |
| Business quality | Medium | The business relies on consistent loan quality and net interest margin performance. |
| Dividend income | Low | The company does not emphasize dividend payments, limiting income returns. |
| Execution risk | Medium | Acquisition integration and organic growth require precise operational management. |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 339.40M USD | Price to earnings Ratio 36.56 | 1Y Target Price 33 |
Price to earnings Ratio 36.56 | 1Y Target Price 33 | ||
Volume (30-day avg) 60.2K shares | Beta 0.33 | 52 Weeks Range 26.17 - 34.63 | Updated Date 11/14/2026 |
52 Weeks Range 26.17 - 34.63 | Updated Date 11/14/2026 | ||
Dividends yield (FY) 3.87% | Basic EPS (TTM) 0.85 |
Sector & Industry Intelligence
Sector
Financial Services
Constructive- Sentiment
- Bullish
- Momentum
- BUY Breadth Improving
- BUY participation
- 50.4%
- Active BUY / eligible
- 61 / 121
- 30-Day BUY Count Change
- +45
- Market state
- Bullish
More qualifying stocks are receiving or maintaining BUY advisories, indicating improving market participation.
Industry
Banks - Regional
- BUY participation
- 53.8%
- Active BUY / eligible
- 21 / 39
- 30-Day BUY Count Change
- +20
Sector signal summarizes BUY breadth conditions for the sector. It does not override this stock’s BUY, SELL, or PASS advisory.
Price Behavior
Steady Uptrend
The stock demonstrates consistent and steady upward price momentum.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -7.19% | Avg. Invested days 37 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/13/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on loans (commercial/real estate) minus interest paid on deposits. | The bank earns profit primarily from the spread between what it earns on loans and what it pays to depositors. |
| Non-Interest Income | Service fees, deposit account fees, and other banking service charges. | Secondary revenue comes from fees charged for providing banking services to businesses and consumers. |
| Geography: California | Concentrated operations in the California market. | The company's success is heavily tied to the economic health and property market conditions of California. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2026-10-22 | When After Market | Estimate 0.56 | Actual 0.64 |
Profitability
Profit Margin 10.03% | Operating Margin (TTM) 15.71% |
Management Effectiveness
Return on Assets (TTM) 0.35% | Return on Equity (TTM) 2.76% |
Valuation
Trailing PE 36.56 | Forward PE 11.86 | Enterprise Value 140.84M | Price to Sales(TTM) 3.69 |
Enterprise Value 140.84M | Price to Sales(TTM) 3.69 | ||
Enterprise Value to Revenue 3.69 | Enterprise Value to EBITDA - | Shares Outstanding 10.92M | Shares Floating 10.12M |
Shares Outstanding 10.92M | Shares Floating 10.12M | ||
Percent Insiders 6.78 | Percent Institutions 66.54 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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