BAYCOM CORP(NASDAQ:BCML) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to BCML. BCML was compared to 398 industry peers in the Banks industry. BCML has a medium profitability rating, but doesn't score so well on its financial health evaluation. BCML has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BCML was profitable.

BCML had a positive operating cash flow in the past year.

In the past 5 years BCML has always been profitable.

In the past 5 years BCML always reported a positive cash flow from operatings.

1.2 Ratios

BCML's Return On Assets of 0.89% is fine compared to the rest of the industry. BCML outperforms 60.30% of its industry peers.

BCML has a Return On Equity of 7.28%. This is comparable to the rest of the industry: BCML outperforms 41.71% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.89%
ROE	7.28%
ROIC	N/A

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)7.84%

ROE(5y)7.37%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 24.22%, BCML is in line with its industry, outperforming 55.03% of the companies in the same industry.

BCML's Profit Margin has improved in the last couple of years.

BCML does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.22%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.54%

PM growth 5Y1.61%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

BCML does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for BCML has been reduced compared to 1 year ago.

BCML has less shares outstanding than it did 5 years ago.

Compared to 1 year ago, BCML has an improved debt to assets ratio.

2.2 Solvency

BCML has a debt to FCF ratio of 2.53. This is a good value and a sign of high solvency as BCML would need 2.53 years to pay back of all of its debts.

Looking at the Debt to FCF ratio, with a value of 2.53, BCML is in line with its industry, outperforming 45.73% of the companies in the same industry.

A Debt/Equity ratio of 0.22 indicates that BCML is not too dependend on debt financing.

BCML has a Debt to Equity ratio (0.22) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.53
Altman-Z	N/A

ROIC/WACCN/A

WACC12.59%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for BCML have decreased by -4.98% in the last year.

BCML shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.96% yearly.

BCML shows a decrease in Revenue. In the last year, the revenue decreased by -6.99%.

Measured over the past years, BCML shows a small growth in Revenue. The Revenue has been growing by 4.73% on average per year.

EPS 1Y (TTM)-4.98%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

Revenue 1Y (TTM)-6.99%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%2.11%

3.2 Future

The Earnings Per Share is expected to grow by 10.41% on average over the next years. This is quite good.

BCML is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.45% yearly.

EPS Next Y11.88%

EPS Next 2Y10.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.88%

Revenue Next 2Y5.45%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 12.37, BCML is valued correctly.

The rest of the industry has a similar Price/Earnings ratio as BCML.

Compared to an average S&P500 Price/Earnings ratio of 28.29, BCML is valued rather cheaply.

Based on the Price/Forward Earnings ratio of 10.15, the valuation of BCML can be described as reasonable.

BCML's Price/Forward Earnings is on the same level as the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.08, BCML is valued rather cheaply.

		Industry Rank	Sector Rank
PE	12.37
Fwd PE	10.15

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCML is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	10.09
EV/EBITDA	N/A

4.3 Compensation for Growth

BCML's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.04

PEG (5Y)1.78

EPS Next 2Y10.41%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

BCML has a Yearly Dividend Yield of 1.92%.

Compared to an average industry Dividend Yield of 3.70, BCML is paying slightly less dividend.

Compared to the average S&P500 Dividend Yield of 2.52, BCML is paying slightly less dividend.

		Industry Rank	Sector Rank
Dividend Yield	1.92%

5.2 History

BCML has been paying a dividend for less than 5 years, so it still needs to build a track record.

Dividend Growth(5Y)N/A

Div Incr Years1

Div Non Decr Years2

5.3 Sustainability

14.29% of the earnings are spent on dividend by BCML. This is a low number and sustainable payout ratio.

DP14.29%

EPS Next 2Y10.41%

EPS Next 3YN/A

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BAYCOM CORP

NASDAQ:BCML (4/17/2025, 8:03:34 PM)

After market: 25.98 0 (0%)

25.98

+0.07 (+0.27%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-17 2025-04-17/amc

Earnings (Next)07-16 2025-07-16/amc

Inst Owners61.61%

Inst Owner Change-0.18%

Ins Owners7.68%

Ins Owner Change-1.92%

Market Cap289.16M

Analysts82.22

Price Target32.3 (24.33%)

Short Float %0.4%

Short Ratio1.8

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.92%

Yearly Dividend0.3

Dividend Growth(5Y)N/A

DP14.29%

Div Incr Years1

Div Non Decr Years2

Ex-Date03-13 2025-03-13 (0.15)

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)4.77%

Min EPS beat(2)3.81%

Max EPS beat(2)5.73%

EPS beat(4)3

Avg EPS beat(4)0.62%

Min EPS beat(4)-9.91%

Max EPS beat(4)5.73%

EPS beat(8)5

Avg EPS beat(8)0.26%

EPS beat(12)6

Avg EPS beat(12)-2.02%

EPS beat(16)9

Avg EPS beat(16)-1.35%

Revenue beat(2)0

Avg Revenue beat(2)-1.43%

Min Revenue beat(2)-2.34%

Max Revenue beat(2)-0.52%

Revenue beat(4)0

Avg Revenue beat(4)-3.32%

Min Revenue beat(4)-5.72%

Max Revenue beat(4)-0.52%

Revenue beat(8)0

Avg Revenue beat(8)-3.32%

Revenue beat(12)3

Avg Revenue beat(12)-1.92%

Revenue beat(16)7

Avg Revenue beat(16)1.26%

PT rev (1m)0%

PT rev (3m)7.34%

EPS NQ rev (1m)0%

EPS NQ rev (3m)4.73%

EPS NY rev (1m)0.14%

EPS NY rev (3m)4.7%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.56%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.12%

Valuation

		Industry Rank	Sector Rank
PE	12.37
Fwd PE	10.15
P/S	2.97
P/FCF	10.09
P/OCF	9.53
P/B	0.89
P/tB	1.02
EV/EBITDA	N/A

EPS(TTM)2.1

EY8.08%

EPS(NY)2.56

Fwd EY9.85%

FCF(TTM)2.57

FCFY9.91%

OCF(TTM)2.73

OCFY10.5%

SpS8.76

BVpS29.14

TBVpS25.41

PEG (NY)1.04

PEG (5Y)1.78

Profitability

		Industry Rank	Sector Rank
ROA	0.89%
ROE	7.28%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.22%
GM	N/A
FCFM	29.39%

ROA(3y)0.97%

ROA(5y)0.88%

ROE(3y)7.84%

ROE(5y)7.37%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-0.54%

PM growth 5Y1.61%

GM growth 3YN/A

GM growth 5YN/A

F-Score5

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.53
Debt/EBITDA	N/A
Cap/Depr	52.07%
Cap/Sales	1.74%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	121.35%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score5

WACC12.59%

ROIC/WACCN/A

Cap/Depr(3y)48.2%

Cap/Depr(5y)53.18%

Cap/Sales(3y)1.53%

Cap/Sales(5y)1.97%

Profit Quality(3y)129.84%

Profit Quality(5y)96.61%

High Growth Momentum

Growth

EPS 1Y (TTM)-4.98%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

EPS Next Y11.88%

EPS Next 2Y10.41%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-6.99%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%2.11%

Revenue Next Year4.88%

Revenue Next 2Y5.45%

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-0.08%

FCF growth 3Y46.47%

FCF growth 5Y38.81%

OCF growth 1Y-1.44%

OCF growth 3Y42.78%

OCF growth 5Y34.25%

BAYCOM CORP (BCML) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens