BayCom Corp (BCML)Financial Services | Banks - Regional | Walnut Creek, United States | NasdaqGS
28.75 USD
+0.07
(0.244%)
⇧
(April 21, 2026, 4 p.m.
EDT)
After hours: 28.75 Short-term: ★☆☆☆☆ | Long-term: ★★☆☆☆ | Dividends: ★★★☆☆ |
Hot Take | April 19, 2026, 6:35 p.m. EDT
BCML presents a classic value trap with distribution warning signs. Despite the 3.5% yield which has improved due to aggressive hike, the recent price action shows the stock sold off sharply after a spike, dragging volume and breaking below key moving averages. The stark disparity in options flow (heavy put buying vs weak call speculation) combined with deteriorating technicals overrides the positive long-term fundamentals; the short-term trajectory is structurally negative. |
| Model | MAE |
|---|---|
| AutoETS ✓ | 0.023098 |
| AutoARIMA | 0.023098 |
| MSTL | 0.023247 |
| AutoTheta | 0.026748 |
Forecast horizon: 45 days | Selected: AutoETS
| Forecast Reliability | |
|---|---|
| Score | 39% |
| H-stat | 2.04 |
| Ljung-Box p | 0.009 |
| Jarque-Bera p | 0.000 |
| Excess Kurtosis | 2.32 |
| Attribute | Value |
|---|---|
| Sector | Financial Services |
| Ex Dividend Date | 2026-03-11 |
| Last Dividend Date | 2026-03-11 |
| Revenue per Share | 8.778 |
| Market Cap | 313,642,848 |
| Trailing P/E | 13.19 |
| Forward P/E | 9.99 |
| Beta | 0.30 |
| Profit Margins | 24.81% |
| Website | https://www.unitedbusinessbank.com |
As of April 19, 2026, 6:35 p.m. EDT: Options flow indicates a defensive and risk-off posture. Puts volume (11 contracts) significantly outpaces calls volume (roughly 3 contracts combined across expirations). Put Open Interest is concentrated in the $20–$30 strikes for later expirations, suggesting a fear of downside or hedging by long positions. Conversely, call activity is sparse and heavily focused on ATM strikes ($30) for near-term expirations, with negligible interest in OTM calls beyond immediate expiration. This imbalance suggests speculators are positioning for potential downside volatility or income protection rather than a bullish breakout.
| Last Yield | 1yr Yield | 3yr Avg | 5yr Avg |
|---|---|---|---|
| 1.04% | 3.63% | 2.66% | — |
| Date | Dividend | Yield % |
|---|---|---|
| 2026-03-12 | 0.30 | 1.037703 |
| 2025-12-11 | 0.30 | 0.984243 |
| 2025-09-11 | 0.25 | 0.845507 |
| 2025-06-12 | 0.20 | 0.762425 |
| 2025-03-13 | 0.15 | 0.637409 |
| 2024-12-12 | 0.15 | 0.540612 |
| 2024-09-19 | 0.10 | 0.427757 |
| 2024-06-13 | 0.10 | 0.545006 |
| 2024-03-14 | 0.10 | 0.537775 |
| 2023-12-13 | 0.10 | 0.476100 |
| 2023-09-14 | 0.10 | 0.551140 |
| 2023-06-15 | 0.10 | 0.632405 |
| 2023-03-09 | 0.10 | 0.561412 |
| 2022-12-15 | 0.05 | 0.292147 |
| 2022-09-15 | 0.05 | 0.291353 |
| 2022-06-16 | 0.05 | 0.256204 |
| 2022-03-10 | 0.05 | 0.246044 |
| Attribute | Value |
|---|---|
| 52 Week Change | 0.06975007 |
| Address1 | 500 Ygnacio Valley Road |
| Address2 | Suite 200 |
| All Time High | 33.15 |
| All Time Low | 6.0 |
| Ask | 29.22 |
| Ask Size | 1 |
| Audit Risk | 4 |
| Average Analyst Rating | 2.3 - Buy |
| Average Daily Volume10 Day | 51,290 |
| Average Daily Volume3 Month | 29,355 |
| Average Volume | 29,355 |
| Average Volume10Days | 51,290 |
| Beta | 0.298 |
| Bid | 28.24 |
| Bid Size | 1 |
| Board Risk | 3 |
| Book Value | 31.307 |
| City | Walnut Creek |
| Compensation As Of Epoch Date | 1,735,603,200 |
| Compensation Risk | 6 |
| Country | United States |
| Crypto Tradeable | 0 |
| Currency | USD |
| Current Price | 28.75 |
| Custom Price Alert Confidence | HIGH |
| Date Short Interest | 1,774,915,200 |
| Day High | 28.97 |
| Day Low | 28.605 |
| Dividend Date | 1,775,692,800 |
| Dividend Rate | 1.05 |
| Dividend Yield | 3.64 |
| Earnings Growth | 0.144 |
| Earnings Quarterly Growth | 0.121 |
| Earnings Timestamp | 1,769,115,600 |
| Earnings Timestamp End | 1,776,974,400 |
| Earnings Timestamp Start | 1,776,974,400 |
| Ebitda Margins | 0.0 |
| Enterprise To Revenue | 3.028 |
| Enterprise Value | 292,096,576 |
| Eps Current Year | 2.63 |
| Eps Forward | 2.87667 |
| Eps Trailing Twelve Months | 2.18 |
| Esg Populated | 0 |
| Ex Dividend Date | 1,773,273,600 |
| Exchange | NMS |
| Exchange Data Delayed By | 0 |
| Exchange Timezone Name | America/New_York |
| Exchange Timezone Short Name | EDT |
| Fifty Day Average | 29.5596 |
| Fifty Day Average Change | -0.80960083 |
| Fifty Day Average Change Percent | -0.02738876 |
| Fifty Two Week Change Percent | 6.975007 |
| Fifty Two Week High | 33.15 |
| Fifty Two Week High Change | -4.4000015 |
| Fifty Two Week High Change Percent | -0.13273005 |
| Fifty Two Week Low | 25.15 |
| Fifty Two Week Low Change | 3.6000004 |
| Fifty Two Week Low Change Percent | 0.14314117 |
| Fifty Two Week Range | 25.15 - 33.15 |
| Financial Currency | USD |
| First Trade Date Milliseconds | 1,131,633,000,000 |
| Float Shares | 10,313,068 |
| Forward Eps | 2.87667 |
| Forward P E | 9.994195 |
| Full Exchange Name | NasdaqGS |
| Full Time Employees | 327 |
| Gmt Off Set Milliseconds | -14,400,000 |
| Governance Epoch Date | 1,775,001,600 |
| Gross Margins | 0.0 |
| Gross Profits | 96,472,000 |
| Has Pre Post Market Data | 1 |
| Held Percent Insiders | 0.07492 |
| Held Percent Institutions | 0.65456 |
| Implied Shares Outstanding | 10,909,317 |
| Industry | Banks - Regional |
| Industry Disp | Banks - Regional |
| Industry Key | banks-regional |
| Is Earnings Date Estimate | 1 |
| Language | en-US |
| Last Dividend Date | 1,773,273,600 |
| Last Dividend Value | 0.3 |
| Last Fiscal Year End | 1,767,139,200 |
| Long Business Summary | 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. |
| Long Name | BayCom Corp |
| Market | us_market |
| Market Cap | 313,642,848 |
| Market State | POSTPOST |
| Max Age | 86,400 |
| Message Board Id | finmb_11130977 |
| Most Recent Quarter | 1,767,139,200 |
| Net Income To Common | 23,931,000 |
| Next Fiscal Year End | 1,798,675,200 |
| Non Diluted Market Cap | 314,406,515 |
| Number Of Analyst Opinions | 3 |
| Open | 28.66 |
| Operating Cashflow | 31,831,000 |
| Operating Margins | 0.3695 |
| Overall Risk | 2 |
| Payout Ratio | 0.41279998 |
| Peg Ratio | 0.99 |
| Phone | 925 476 1800 |
| Post Market Change | 0.0 |
| Post Market Change Percent | 0.0 |
| Post Market Price | 28.75 |
| Post Market Time | 1,776,807,420 |
| Previous Close | 28.68 |
| Price Eps Current Year | 10.931559 |
| Price Hint | 2 |
| Price To Book | 0.918325 |
| Price To Sales Trailing12 Months | 3.2511282 |
| Profit Margins | 0.24806 |
| Quote Source Name | Nasdaq Real Time Price |
| Quote Type | EQUITY |
| Recommendation Key | buy |
| Recommendation Mean | 2.33333 |
| Region | US |
| Regular Market Change | 0.0699997 |
| Regular Market Change Percent | 0.244071 |
| Regular Market Day High | 28.97 |
| Regular Market Day Low | 28.605 |
| Regular Market Day Range | 28.605 - 28.97 |
| Regular Market Open | 28.66 |
| Regular Market Previous Close | 28.68 |
| Regular Market Price | 28.75 |
| Regular Market Time | 1,776,801,600 |
| Regular Market Volume | 34,970 |
| Return On Assets | 0.0091 |
| Return On Equity | 0.0722 |
| Revenue Growth | 0.065 |
| Revenue Per Share | 8.778 |
| Sand P52 Week Change | 0.34445214 |
| Sector | Financial Services |
| Sector Disp | Financial Services |
| Sector Key | financial-services |
| Share Holder Rights Risk | 1 |
| Shares Outstanding | 10,909,317 |
| Shares Percent Shares Out | 0.0099 |
| Shares Short | 107,714 |
| Shares Short Previous Month Date | 1,772,150,400 |
| Shares Short Prior Month | 97,047 |
| Short Name | BayCom Corp |
| Short Percent Of Float | 0.0106 |
| Short Ratio | 3.87 |
| Source Interval | 15 |
| State | CA |
| Symbol | BCML |
| Target High Price | 34.0 |
| Target Low Price | 32.0 |
| Target Mean Price | 33.0 |
| Target Median Price | 33.0 |
| Total Cash | 41,814,000 |
| Total Cash Per Share | 3.859 |
| Total Debt | 22,385,000 |
| Total Revenue | 96,472,000 |
| Tradeable | 0 |
| Trailing Annual Dividend Rate | 0.9 |
| Trailing Annual Dividend Yield | 0.03138075 |
| Trailing Eps | 2.18 |
| Trailing P E | 13.188073 |
| Trailing Peg Ratio | None |
| Triggerable | 1 |
| Two Hundred Day Average | 29.0519 |
| Two Hundred Day Average Change | -0.30190086 |
| Two Hundred Day Average Change Percent | -0.010391776 |
| Type Disp | Equity |
| Volume | 34,970 |
| Website | https://www.unitedbusinessbank.com |
| Zip | 94,596 |