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Home CompaniesBayCom Corp

BayCom Corp

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
31.14 USD -0.11 ( 0.35%)
Last update at 2026-11-12T15:28:00Z
VOLUME
3067
Market Cap
313.64M
P/E
13.19

Momentum Score

…

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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
31.11
Low
31.32
High
52 Week Price Range
24.27
Low
32.81
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

BayCom Corp is a bank holding company operating a community commercial bank that provides deposit, lending and treasury services to businesses and consumers in selected regional markets. Its long-term growth may be supported by loan portfolio expansion, recovery in net interest income and targeted small- and middle-market lending, which could support margin improvement and regional franchise value for investors.

Key risks include credit-quality volatility and interest-rate sensitivity of the loan book, regional concentration, regulatory and compliance pressures, and competition from larger banks and fintechs.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
31.25
Dividend Yield
3.14%
Revenue TTM
96.47M
Revenue Per Share
8.78
Gross Profit TTM
96.47M
Debt / Equity
0.07
ROE
7.22%
Net Debt
-4.40M
ROCE
1.27%
Diluted EPS TTM
2.18

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 32.62M 32.12M 38.16M 37.01M 28.48M
Net income 23.93M 23.61M 27.43M 26.99M 20.69M
Selling general administrative 45.69M 40.66M 42.69M 41.80M 33.76M
Selling and marketing expenses 0.64M 0.79M 0.90M 0.95M 0.66M
Gross profit 97.08M 95.87M 102.43M 105.31M 84.06M
Reconciled depreciation 2.99M 3.27M 3.24M 4.02M 3.86M
Ebit 32.87M 32.12M 38.16M 43.34M 28.48M
Ebitda 36.08M 35.39M 41.12M 47.36M 32.34M
Depreciation and amortization 3.21M 3.27M 2.96M 4.02M 3.86M
Operating income 32.87M 32.12M 38.16M 43.34M 28.48M
Other operating expenses 108.97M 105.58M 94.75M -61.96M -55.58M
Interest expense 40.94M 40.57M 28.46M 10.35M 8.80M
Tax provision 8.69M 8.51M 12.47M 10.02M 7.79M
Interest income 133.82M 130.12M 122.22M 105.83M 80.66M
Net interest income 92.89M 89.55M 99.39M 95.48M 71.86M
Income tax expense 8.69M 8.51M 10.73M 10.02M 7.79M
Total revenue 141.83M 137.71M 132.91M 105.31M 84.06M
Total operating expenses 64.21M 63.75M 64.28M -61.96M -55.58M
Cost of revenue 44.75M 41.83M 30.48M - -
Total other income expense net -0.25M -0.00M -8.00M -6.33M -8.80M
Net income from continuing ops 23.93M 23.61M 31.91M 26.99M 20.69M
Net income applicable to common shares - - - 26.99M 20.69M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2593.68M 2664.51M 2559.51M 2513.33M 2350.70M
Intangible assets 1.75M 2.69M 3.92M 5.20M 6.49M
Other current assets -8.32M 1.94M 323.25M 47.91M 1875.38M
Total liab 2255.12M 2340.14M 2246.64M 2196.18M 2088.09M
Total stockholder equity 338.55M 324.37M 312.87M 317.15M 262.61M
Other current liab 3.75M 2230.11M 1273.40M -16.53M -13.86M
Common stock 166.28M 172.25M 180.91M 204.30M 157.38M
Capital stock 166.00M 172.25M 180.91M 204.59M 157.10M
Retained earnings 178.90M 164.83M 146.26M 127.38M 103.06M
Other liab - - - 4.84M 4.39M
Good will 38.84M 38.84M 38.84M 38.84M 38.84M
Other assets 2346.58M 2292.15M - 2199.18M 1875.38M
Cash 26.79M 23.39M 19.15M 29.22M 24.76M
Total current liabilities 3.75M 2234.01M 1277.34M 16.53M 13.86M
Net debt -4.40M 63.38M 68.05M 60.11M 59.84M
Short term debt - 3.90M 3.94M - 63.54M
Short long term debt total 22.39M 86.76M 87.20M 89.33M 84.60M
Other stockholder equity 0.29M 0.29M 0.29M 0.29M 0.29M
Property plant equipment - - - 29.85M 26.50M
Total current assets 206.51M 55.90M 323.25M 240.27M 229.06M
Long term investments 201.06M 216.26M 185.70M 167.76M 174.44M
Net tangible assets - - - 273.11M 217.28M
Short term investments 179.71M 1.99M 163.15M 167.76M 174.44M
Net receivables 8.34M 28.58M 31.93M 30.44M 29.86M
Long term debt 8.73M 72.38M 72.45M 72.19M 71.94M
Inventory - - -14.03M 0.02M 0.02M
Accounts payable - - - 16.53M 13.86M
Accumulated other comprehensive income -6.63M -13.01M -14.59M -14.82M 2.17M
Non currrent assets other -2292.64M 388.83M 2109.41M -177.32M -246.26M
Non current assets total 40.58M 2608.61M 2236.26M 73.89M 246.26M
Capital lease obligations 13.66M 14.38M 14.75M 17.14M 12.66M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 22.96M -62.19M 24.22M 53.94M -60.36M
Change to liabilities - - - -0.40M -1.83M
Total cashflows from investing activities -89.60M -62.19M 80.40M - -60.36M
Net borrowings -64.69M -0.32M 0.00M - -5.00M
Total cash from financing activities -98.56M 88.32M 19.52M -296.42M 130.29M
Change to operating activities - - - - 2.50M
Net income 8.51M 23.61M 27.43M 26.99M 20.69M
Change in cash -157.52M 56.49M 130.72M -202.87M 80.36M
Begin period cash flow 364.03M 307.54M 176.81M 379.69M 299.33M
End period cash flow 206.51M 364.03M 307.54M 176.81M 379.69M
Total cash from operating activities 30.64M 30.36M 30.80M 39.61M 10.43M
Depreciation 2.99M 3.27M 2.96M 4.02M 3.86M
Other cashflows from investing activities -89.60M -32.51M 96.24M - -0.69M
Dividends paid 6.60M 3.38M 3.64M -2.02M -
Change to inventory - - 0.67M - -1.83M
Change to account receivables 3.65M 2.52M 1.75M -2.34M -2.55M
Sale purchase of stock -6.91M -9.25M -24.11M -17.96M -11.55M
Other cashflows from financing activities -20.37M 101.26M 47.27M -340.58M 146.84M
Change to netincome - - - - -12.23M
Capital expenditures 1.75M 1.70M 2.12M 0.84M 1.31M
Change in working capital -1.86M 0.28M -4.91M -1.30M -1.89M
Stock based compensation 0.65M 0.59M 0.73M 1.02M 1.41M
Other non cash items 24.00M 1.81M 4.60M 9.94M -9.76M
Free cash flow 28.90M 28.66M 28.68M 38.77M 9.12M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
BCML
BayCom Corp		 -0.11
0.35%		 31.14 13.19 11.86 3.25 0.93 3.32
DBSDY
DBS Group Holdings Ltd ADR		 -0.76
0.34%		 219.92 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.62 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.28
0.82%		 34.49 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.46
0.49%		 92.86 11.53 10.27 5.72 1.83 8.22

Profile*

BayCom Corp

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.

500 Ygnacio Valley Road, Walnut Creek, CA, United States, 94596

925 476 1800

https://www.unitedbusinessbank.com

327

Name Title Year Born
Mr. George J. Guarini Pres, CEO & Director 1954
Ms. Keary L. Colwell Sr. EVP, CFO, Sec., Treasurer & Director 1960
Ms. Janet L. King Sr. EVP, COO & Director 1963
Ms. Mary Therese Curley Exec. VP, Director of Labor Service Division & Chief Credit Officer - United Bus. Bank 1959
Mr. Young Yun Exec. VP & Chief Marketing Officer of United Bus. Bank 1969
Ms. Izabella L. Zhu Exec. VP & Chief Risk Officer of United Bus. Bank 1986
Mr. Rick Pak Exec. VP & Chief Lending Officer of United Bus. Bank 1971
Mr. George J. Guarini President, CEO & Founding Director 1954
Ms. Keary L. Colwell Senior EVP, CFO, Chief Administrative Officer, Secretary, Treasurer & Director 1960
Ms. Janet L. King Senior EVP, COO & Director 1963

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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