BAYCOM CORP(NASDAQ:BCML) stock Fundamental Analysis

Fundamental Rating

Overall BCML gets a fundamental rating of 3 out of 10. We evaluated BCML against 405 industry peers in the Banks industry. Both the profitability and financial health of BCML have multiple concerns. BCML has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

BCML had positive earnings in the past year.

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

Each year in the past 5 years BCML has been profitable.

BCML had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.93%, BCML is in the better half of the industry, outperforming 62.91% of the companies in the same industry.

With a Return On Equity value of 7.43%, BCML perfoms like the industry average, outperforming 44.11% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.93%
ROE	7.43%
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 23.88%, BCML is in line with its industry, outperforming 57.14% of the companies in the same industry.

In the last couple of years the Profit Margin of BCML has grown nicely.

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)	23.88%
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.

The debt/assets ratio for BCML has been reduced compared to a year ago.

2.2 Solvency

The Debt to FCF ratio of BCML is 2.61, which is a good value as it means it would take BCML, 2.61 years of fcf income to pay off all of its debts.

BCML has a Debt to FCF ratio of 2.61. This is comparable to the rest of the industry: BCML outperforms 52.38% of its industry peers.

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

With a Debt to Equity ratio value of 0.22, BCML perfoms like the industry average, outperforming 45.61% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.61
Altman-Z	N/A

ROIC/WACCN/A

WACC12.48%

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

BCML shows a slight negative growth in Earnings Per Share. In the last year, the EPS has decreased by -6.67%.

The Earnings Per Share has been growing slightly by 6.96% on average over the past years.

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

BCML shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.73% yearly.

EPS 1Y (TTM)-6.67%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

Revenue 1Y (TTM)-6.99%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%0.2%

3.2 Future

BCML is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 10.05% yearly.

BCML is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.48% yearly.

EPS Next Y11.71%

EPS Next 2Y10.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year4.88%

Revenue Next 2Y5.48%

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.

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

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.17 indicates a correct valuation of BCML.

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

The average S&P500 Price/Earnings ratio is at 29.62. BCML is valued rather cheaply when compared to this.

Based on the Price/Forward Earnings ratio of 11.79, the valuation of BCML can be described as reasonable.

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

BCML is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.70, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	13.17
Fwd PE	11.79

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of BCML indicates a somewhat cheap valuation: BCML is cheaper than 63.16% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	11.09
EV/EBITDA	N/A

4.3 Compensation for Growth

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

PEG (NY)1.12

PEG (5Y)1.89

EPS Next 2Y10.05%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.62%, BCML has a reasonable but not impressive dividend return.

BCML's Dividend Yield is slightly below the industry average, which is at 3.19.

BCML's Dividend Yield is slightly below the S&P500 average, which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	1.62%

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

BCML pays out 19.30% of its income as dividend. This is a sustainable payout ratio.

DP19.3%

EPS Next 2Y10.05%

EPS Next 3YN/A

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BAYCOM CORP

NASDAQ:BCML (2/21/2025, 8:02:56 PM)

After market: 27.65 0 (0%)

27.65

-0.15 (-0.54%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)01-23 2025-01-23/amc

Earnings (Next)04-16 2025-04-16/amc

Inst Owners61.61%

Inst Owner Change-98.66%

Ins Owners7.68%

Ins Owner Change2.75%

Market Cap307.47M

Analysts84.44

Price Target32.3 (16.82%)

Short Float %0.5%

Short Ratio1.71

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.62%

Yearly Dividend0.3

Dividend Growth(5Y)N/A

DP19.3%

Div Incr Years1

Div Non Decr Years2

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)3.32%

Min EPS beat(2)2.84%

Max EPS beat(2)3.81%

EPS beat(4)2

Avg EPS beat(4)-2.17%

Min EPS beat(4)-9.91%

Max EPS beat(4)3.81%

EPS beat(8)4

Avg EPS beat(8)-0.5%

EPS beat(12)6

Avg EPS beat(12)-2.44%

EPS beat(16)9

Avg EPS beat(16)-1.32%

Revenue beat(2)0

Avg Revenue beat(2)-2.6%

Min Revenue beat(2)-4.69%

Max Revenue beat(2)-0.52%

Revenue beat(4)0

Avg Revenue beat(4)-3.8%

Min Revenue beat(4)-5.72%

Max Revenue beat(4)-0.52%

Revenue beat(8)1

Avg Revenue beat(8)-2.57%

Revenue beat(12)4

Avg Revenue beat(12)-0.29%

Revenue beat(16)8

Avg Revenue beat(16)1.97%

PT rev (1m)7.34%

PT rev (3m)10.47%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)4.55%

EPS NY rev (3m)4.55%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.12%

Revenue NY rev (3m)0.09%

Valuation

		Industry Rank	Sector Rank
PE	13.17
Fwd PE	11.79
P/S	3.07
P/FCF	11.09
P/OCF	9.99
P/B	0.96
P/tB	1.1
EV/EBITDA	N/A

EPS(TTM)2.1

EY7.59%

EPS(NY)2.35

Fwd EY8.48%

FCF(TTM)2.49

FCFY9.01%

OCF(TTM)2.77

OCFY10.01%

SpS9

BVpS28.93

TBVpS25.17

PEG (NY)1.12

PEG (5Y)1.89

Profitability

		Industry Rank	Sector Rank
ROA	0.93%
ROE	7.43%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	23.88%
GM	N/A
FCFM	27.7%

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-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	0.22
Debt/FCF	2.61
Debt/EBITDA	N/A
Cap/Depr	96.84%
Cap/Sales	3.06%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	116.01%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC12.48%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-6.67%

EPS 3Y3.21%

EPS 5Y6.96%

EPS Q2Q%0%

EPS Next Y11.71%

EPS Next 2Y10.05%

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)-6.99%

Revenue growth 3Y5.06%

Revenue growth 5Y4.73%

Sales Q2Q%0.2%

Revenue Next Year4.88%

Revenue Next 2Y5.48%

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-25.72%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-19.51%

OCF growth 3YN/A

OCF growth 5YN/A

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