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Upturn AI SWOT - About
BayCom Corp (BCML)
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Upturn Advisory Summary
04/22/2025: 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
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $29
1 Year Target Price $29
| 2 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -22.62% | Avg. Invested days 40 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/22/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 305.00M USD | Price to earnings Ratio 13.2 | 1Y Target Price 29 |
Price to earnings Ratio 13.2 | 1Y Target Price 29 | ||
Volume (30-day avg) 3 | Beta 0.53 | 52 Weeks Range 18.83 - 29.58 | Updated Date 07/1/2025 |
52 Weeks Range 18.83 - 29.58 | Updated Date 07/1/2025 | ||
Dividends yield (FY) 2.88% | Basic EPS (TTM) 2.1 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.49% | Operating Margin (TTM) 32.47% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 7.28% |
Valuation
Trailing PE 13.2 | Forward PE 11.86 | Enterprise Value 133896712 | Price to Sales(TTM) 3.19 |
Enterprise Value 133896712 | Price to Sales(TTM) 3.19 | ||
Enterprise Value to Revenue 4.02 | Enterprise Value to EBITDA - | Shares Outstanding 11006900 | Shares Floating 10074740 |
Shares Outstanding 11006900 | Shares Floating 10074740 | ||
Percent Insiders 7.51 | Percent Institutions 62.7 |
Analyst Ratings
Rating 2 | Target Price 29 | Buy - | Strong Buy 2 |
Buy - | Strong Buy 2 | ||
Hold 1 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
BayCom Corp
Company Overview
History and Background
BayCom Corp, a bank holding company, was founded in 2004. It provides a range of banking products and services to businesses and individuals primarily in California and Washington. It has grown through acquisitions and organic expansion, focusing on community banking.
Core Business Areas
- Commercial Banking: Offers loan products, deposit accounts, and cash management services to small and medium-sized businesses.
- Retail Banking: Provides personal banking services including checking accounts, savings accounts, mortgages, and personal loans.
- Wealth Management: Offers wealth management and investment advisory services to individuals and families.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is typical of a bank holding company, with various departments overseeing different areas of operation, reporting to a board of directors.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans for working capital, equipment, and real estate. BayCom operates mainly in the California market. Competitors include larger regional and national banks such as Bank of America, Wells Fargo, and U.S. Bank.
- Deposit Accounts: Checking, savings, and money market accounts for businesses and individuals. Competitors include other regional and national banks.
- Real Estate Loans: Mortgages and commercial real estate loans. Competitors include other regional and national banks.
Market Dynamics
Industry Overview
The banking industry is subject to interest rate fluctuations, regulatory changes, and economic conditions. Competition is intense, with both traditional and digital banks vying for market share.
Positioning
BayCom Corp positions itself as a community bank, emphasizing personalized service and local decision-making. This differentiates it from larger national banks. Its advantage is deep knowledge of the California market.
Total Addressable Market (TAM)
The total addressable market for banking services in California and Washington is significant, estimated in the hundreds of billions of dollars. BayCom Corp's positioning allows it to capture a segment of this market, focusing on small to medium-sized businesses and individuals who value personalized service.
Upturn SWOT Analysis
Strengths
- Strong presence in California market
- Experienced management team
- Focus on community banking
- Relationship-based lending
Weaknesses
- Limited geographic diversification
- Smaller scale compared to larger banks
- Dependence on interest rate environment
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Acquisition of smaller banks
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Regulatory changes
- Rising interest rates
Competitors and Market Share
Key Competitors
- BofA (BAC)
- Wells Fargo (WFC)
- U.S. Bancorp (USB)
Competitive Landscape
BayCom Corp competes with larger national banks by offering personalized service and local expertise. Its smaller size can be a disadvantage in terms of resources, but an advantage in agility.
Major Acquisitions
Pacific Enterprise Bancorp
- Year: 2018
- Acquisition Price (USD millions): 161.4
- Strategic Rationale: Expanded BayCom's presence in Southern California.
Growth Trajectory and Initiatives
Historical Growth: Growth trajectory data not available at this time for automated update. Needs manual input.
Future Projections: Future projections data not available at this time for automated update. Needs manual input.
Recent Initiatives: Recent initiatives data not available at this time for automated update. Needs manual input.
Summary
BayCom Corp is a community bank focused on California. Strengths include customer relations but faces competition from larger banks. It shows opportunities by expanding to other markets and leveraging digital banking trends. They need to look out for regulatory changes.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Industry publications
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice.
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 320 | |
Full time employees 320 | |||
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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