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Upturn AI SWOT - About
BCML 
BayCom Corp (BCML)
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Upturn Advisory Summary
10/15/2025: BCML (1-star) is currently NOT-A-BUY. Pass it for now.
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 3.96% | Avg. Invested days 51 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 312.75M USD | Price to earnings Ratio 13.13 | 1Y Target Price 31 |
Price to earnings Ratio 13.13 | 1Y Target Price 31 | ||
Volume (30-day avg) 3 | Beta 0.53 | 52 Weeks Range 21.87 - 30.96 | Updated Date 10/15/2025 |
52 Weeks Range 21.87 - 30.96 | Updated Date 10/15/2025 | ||
Dividends yield (FY) 1.93% | Basic EPS (TTM) 2.18 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-16 | When After Market | Estimate 0.52 | 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 13.13 | Forward PE 11.86 | Enterprise Value 104037944 | Price to Sales(TTM) 3.24 |
Enterprise Value 104037944 | Price to Sales(TTM) 3.24 | ||
Enterprise Value to Revenue 3.96 | Enterprise Value to EBITDA - | Shares Outstanding 10923724 | Shares Floating 10192836 |
Shares Outstanding 10923724 | Shares Floating 10192836 | ||
Percent Insiders 7.43 | Percent Institutions 64.16 |
Upturn AI SWOT
BayCom Corp
Company Overview
History and Background
BayCom Corp, through its subsidiary United Business Bank, provides a range of banking products and services. Founded in 2004, it has grown through organic expansion and strategic acquisitions, focusing on serving small and medium-sized businesses.
Core Business Areas
- Commercial Banking: Offers lending, deposit, and cash management services to businesses.
- Retail Banking: Provides deposit accounts, loans, and other financial services to individuals.
- Real Estate Lending: Offers commercial and residential real estate loans.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives. The organizational structure is typical of a community bank, with various departments responsible for lending, operations, and compliance.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to small and medium-sized businesses. Competitors include larger national banks and other regional banks. Market share is small as BayCom is a smaller player in the industry and details market share for this product is not publicly available.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Market share details is not publicly available. Competitors include online banks and credit unions.
- Real Estate Loans: Mortgages and commercial real estate loans. Market share details is not publicly available. Competitors include mortgage companies and other banks.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges due to rising interest rates, increased regulatory scrutiny, and competition from fintech companies.
Positioning
BayCom Corp positions itself as a relationship-focused bank serving small and medium-sized businesses. It aims to differentiate itself through personalized service and local expertise.
Total Addressable Market (TAM)
The total addressable market for banking services in the US is substantial, estimated in the trillions of dollars. BayCom Corp's TAM is the portion within their geographic footprint and target market of small to medium businesses. BayCom Corp is a small player in a fragmented market, and capturing a larger portion of the TAM would require significant expansion.
Upturn SWOT Analysis
Strengths
- Strong local market knowledge
- Experienced management team
- Relationship-based banking approach
- Strong asset quality
Weaknesses
- Limited geographic footprint
- Smaller scale compared to larger banks
- Dependence on local economy
- Higher operating expenses as a percentage of assets than larger institutions.
Opportunities
- Expansion into new markets
- Increased demand for community banking
- Adoption of new technologies
- Potential acquisitions
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Bank of America (BAC)
- Wells Fargo (WFC)
- JPMorgan Chase (JPM)
Competitive Landscape
BayCom Corp faced intense competition from larger national and regional banks. Its smaller size limited its ability to compete on price and product offerings, but it differentiated itself through personalized service and local market knowledge.
Major Acquisitions
Pacific Enterprise Bancorp
- Year: 2018
- Acquisition Price (USD millions): 73.8
- Strategic Rationale: Expanded BayCom's presence in the Los Angeles market.
First ULB Corp.
- Year: 2017
- Acquisition Price (USD millions): 68.9
- Strategic Rationale: Strengthened presence in the San Francisco Bay Area.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data is not available as BayCom Corp was acquired by another entity.
Future Projections: Future growth projections are not available as BayCom Corp was acquired by another entity.
Recent Initiatives: Recent initiatives are unavailable since the company is no longer trading under BYBK.
Summary
BayCom Corp was a community bank focused on serving small to medium businesses, growing primarily through acquisition in recent years. The company differentiated itself by providing personalized service. It faced challenges stemming from larger banks, and eventually, BayCom Corp was acquired by another entity. Data is now limited.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings (historical)
- Company Website (historical)
- Third-party financial data providers (historical)
Disclaimers:
The information provided is based on publicly available data and historical information, and is for informational purposes only. The information presented is historical, since BayCom Corp. was acquired. This is not financial advice. Market share estimates are approximations.
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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