Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
How It Works 
News - Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- 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
09/15/2026: BCML (1-star) is currently NOT-A-BUY. Pass it for now.
BayCom Corp is a regional bank holding company centered on United Business Bank, primarily serving small-to-medium-sized businesses. The firm has a leading position in relationship-based community banking, having historically grown through disciplined regional acquisitions. Its primary growth story revolves around continued market share expansion within its core California and Washington markets. However, the company faces risks from geographic concentration, interest rate sensitivity, and competition from larger national banks. It may suit value-oriented investors who are comfortable with the inherent volatility of smaller regional banks, though those seeking steady income should note its focus on capital reinvestment.
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 relies on periodic acquisitions for growth rather than rapid, organic, high-growth scaling. |
| Momentum investor | Mixed fit | Stock performance is often tied to macroeconomic banking cycles and interest rate trends. |
| Value investor | Strong fit | As a small-cap bank, it often trades at valuations that may appeal to long-term value-oriented investors. |
| Dividend investor | Mixed fit | The company has prioritized capital reinvestment over significant dividend payouts. |
| Low-risk investor | Weak fit | Small-cap regional banks are subject to significant volatility and concentration risks. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Small-cap banking stocks often experience higher price swings due to lower liquidity and interest rate sensitivity. |
| Valuation risk | Medium | Valuations are largely tethered to book value and prevailing regional banking sector multiples. |
| Competition risk (Regional Banking) | High | Intense competition from larger, better-capitalized banks limits pricing power. |
| Business quality | Medium | The franchise is solid but lacks the massive scale and diverse revenue streams of top-tier national banks. |
| Dividend income | Low | Income generation is not the primary feature of this stock. |
| Execution risk | Medium / high | Successfully integrating acquired banks is critical to maintaining margins and growth. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit -6.1% | Avg. Invested days 38 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/15/2026 |
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
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 329.57M USD | Price to earnings Ratio 25.15 | 1Y Target Price 32 |
Price to earnings Ratio 25.15 | 1Y Target Price 32 | ||
Volume (30-day avg) 51.7K shares | Beta 0.29 | 52 Weeks Range 25.74 - 34.63 | Updated Date 09/15/2026 |
52 Weeks Range 25.74 - 34.63 | Updated Date 09/15/2026 | ||
Dividends yield (FY) 3.82% | Basic EPS (TTM) 1.2 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Net Interest Income | Interest earned on commercial and retail loans minus interest paid on deposits. | The bank makes money on the spread between what it charges borrowers and what it pays savers. |
| Non-Interest Income | Service charges, loan fees, and other banking related commissions. | This is supplemental revenue from account fees and transactional banking services. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 25.15 | Forward PE 11.86 | Enterprise Value 196.54M | Price to Sales(TTM) 3.44 |
Enterprise Value 196.54M | Price to Sales(TTM) 3.44 | ||
Enterprise Value to Revenue 3.56 | Enterprise Value to EBITDA - | Shares Outstanding 10.92M | Shares Floating 10.07M |
Shares Outstanding 10.92M | Shares Floating 10.07M | ||
Percent Insiders 6.45 | Percent Institutions 65.69 |
Upturn AI Summary
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.
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.
About BayCom Corp
Exchange NASDAQ | Headquarters Walnut Creek, CA, United States | ||
IPO Launch date 2004-08-09 | President, CEO & Director Mr. Christopher F. Baron | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 329 | |
Full time employees 329 | |||
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.
All company names, trademarks, logos, and brands are the property of their respective owners and are used for identification and informational purposes only. Use of these names, trademarks, and logos does not imply endorsement by their respective owners.