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Research & education only — not financial advice. EDGAR is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates — see Disclosures. Do your own research.

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Home›Stocks›BCML

BCML

BayCom Corp

Next earnings Jul 16, 2026 · consensus $0.43 EPS, $25.7M rev

Last earnings +0.8% on 2026-04-23

Sell
$32.67
▲ +2.70%
$32.67▲ +26.51%
over 1Y
L $25.76EODHDH $32.67
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+2.7%
1W+3.5%
1M+6.9%
3M+13.5%
YTD+15.6%
1Y+26.5%
OverviewFinancialsValuationQualityTimelineFilings
Rating
Sell
Quality
B-
Valuation
Overvalued
Filings
Watch
Sell
Conviction
Horizon
Medium (3–12mo)
Street · 8 analysts
Sell

Mixed signals in the latest filings.

The read

Weak on both the fundamentals and the price — little to like at the current level.

BayCom Corp shows limited reported revenue, and 7.1% ROE.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue—————
Gross profit—————
Operating income—————
Net income$20.7M$23.7M$27.4M$23.6M$23.9M
Diluted EPS$1.90$1.81$2.27$2.10$2.18
Net margin—————

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF11.8
PEG (trailing)11.16
Earnings yield6.7%
FCF yield8.4%

Quality & risk

ROIC (est.)—
Free cash flow$30.1M
Total debt$0.00
Net cash$207M
Piotroski F-Score6/6

Capital returns

Buyback yield1.9%
Dividend yield (est.)1.9%
Shareholder yield3.8%
Shares Δ YoY-2.0%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Some governance/structural items recently, but no outright red flags.
  1. S-3 Shelf registration (potential raise)2026-06-18
  2. 8-K Shareholder vote2026-06-17
  3. 8-K Other event2026-05-22
  4. 10-Q Quarterly report2026-05-11
  5. DEF 14A Proxy statement2026-04-29
  6. 8-K Earnings results2026-04-23
  7. 8-K Officer / director change2026-04-23
  8. 8-K Officer / director change2026-04-09
  9. 10-K Annual report2026-03-16

Recent filings

all on EDGAR ↗
S-3Filing2026-06-18open ↗8-KPeriod ending 2026-06-162026-06-17open ↗4/APeriod ending 2026-01-022026-06-10open ↗4Period ending 2026-05-222026-05-26open ↗8-KPeriod ending 2026-05-222026-05-22open ↗SCHEDULE 13G/AFiling2026-05-15open ↗10-QPeriod ending 2026-03-312026-05-11open ↗4Period ending 2026-05-052026-05-07open ↗3Period ending 2026-04-222026-05-01open ↗3Period ending 2026-04-132026-05-01open ↗3Period ending 2026-04-132026-04-30open ↗3Period ending 2026-04-132026-04-30open ↗

Quality score

B-
ValueGrowthProfitHealthMom.
ValueA
GrowthC-
ProfitabilityC
Financial healthA-
Momentum—
  • ✓Profitable (positive net income)
  • ✗Return on equity above 15%
  • ✓P/E below 25

Fair value est.

$20.63

Overvalued -37% vs price

cheapfair valueexpensive

Modified Graham: EPS $2.18 × (8.5 + 1.5 × 1.3% growth) × 0.90 quality = 9.5× multiple. An estimate, not a price target.

Revenue
—
Net margin
—
ROE
7.1%
P/E
15.0

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Net income$23.9M+1.3%
Diluted EPS$2.18+3.8%
Cash & equivalents$207M-43.3%
Total assets$2.59B-2.7%
Total liabilities$2.26B-3.6%
Stockholders' equity$339M+4.4%
L/E: 6.66x

Frequently asked

Is BayCom Corp (BCML) a buy?
BCML currently carries a Sell rating with 2/5 conviction, derived from its latest SEC filings. Mixed signals in the latest filings.
What is BCML's fair value?
A Modified-Graham model based on BCML's SEC fundamentals estimates a fair value of about $20.63. It is an estimate from reported earnings, not a price target.
Is BCML overvalued or undervalued?
Against a Modified-Graham fair-value estimate, BCML currently appears overvalued relative to its SEC-grounded earnings power.
What is BayCom Corp's quality score?
BCML scores 67.70588235294117/100 (grade B-) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001730984, latest 10-Q filed 2026-05-11) · EODHD · as of 6/26/2026, 8:31:39 PM.

Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC

Last 90 days: 4 open-market buys · 0 sales

2026-05-26
PERDUE MICHAEL J
Director
Buy3.00K @ $30.94$92.8K
2026-05-22
PERDUE MICHAEL J
Director
Buy2.00K @ $30.94$61.9K
2026-05-06
Black William J
Executive Vice Chair
Buy26.5K @ $30.22$802K
2026-05-05
Black William J
Executive Vice Chair
Buy6.53K @ $29.99$196K
2026-03-04
Guarini George J.
President and CEO
Gift8.69K
2026-01-02
King Janet Lee
Senior EVP and COO
Award3.73K
2026-01-02
Colwell Keary L.
Senior EVP, CFO and Secretary
Award3.73K
2026-01-02
Guarini George J.
President and CEO
Award6.47K
2026-01-02
Zhu Izabella L.
EVP and Chief Risk Officer
Award1.35K
2025-07-01
Miranda Felix Antonio Jr
Chief Lending Officer
Award346.00

Earnings history

beat/miss · move
2026-04-23Beat +22.5% est▲ +0.76%8-K ↗
2026-01-22Miss -5.0% est▲ +0.87%8-K ↗
2025-10-23Miss -12.7% est▼ -0.57%8-K ↗
2025-07-17Beat +2.8% est▲ +1.28%8-K ↗
2025-04-17—▲ +0.27%8-K ↗
2025-01-23—▲ +0.52%8-K ↗

Dates from 8-K (Item 2.02); beat/miss = reported EPS vs consensus (Finnhub, recent quarters); move = prior close → close on/after.

Recent news

market news →
Oak Valley Bancorp Gains 26% in a Year: Should You Buy the Stock?Bullish
finance.yahoo.com· 2026-06-05
Here Are Tuesday’s Top Wall Street Analyst Research Calls: Albemarle, Booz Allen Hamilton, Cigna, DT Midstream, GE Vernova, Intel, Okta, Travelers, Occidental Petroleum, and MoreBullish
finance.yahoo.com· 2026-05-26
BayCom Corp Announces Cash DividendBullish
finance.yahoo.com· 2026-05-22
INVESTOR ALERT: Pomerantz Law Firm Investigates Claims On Behalf of Investors of BayCom Corp - BCMLBullish
globenewswire.com· 2026-04-28
Cathay General (CATY) Q1 Earnings and Revenues Surpass EstimatesBullish
finance.yahoo.com· 2026-04-22
Cathay General (CATY) Q1 Earnings and Revenues Surpass EstimatesBullish
finance.yahoo.com· 2026-04-22

Vs tracked universe

compare →

1047 tracked peers · median

EDGAR Score68 vs 67
Revenue growth— vs 7.2%
Net margin— vs 10.5%
Return on equity7.1% vs 12.4%
P/E15.0 vs 25.5

News sentiment

EODHD · 4d
Bullish
+0.12
vs typical · 4 articles
↑ improving

Recent news tone vs the market's typical (which skews positive). A soft signal, not a recommendation.