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BayCom Corp (BCML)

Financial Services | Banks - Regional | Walnut Creek, United States | NasdaqGS
30.29 USD +0.31 (1.034%) ⇧ (Aug. 28, 2026, 4 p.m. EDT)
After hours: 30.29

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take | Aug. 22, 2026, 2:55 a.m. EDT

BayCom Corp presents a classic value trap scenario where the market has priced in severe structural issues despite the company's recent price recovery. While the stock has rallied nearly 150% over the last nine years, the most recent annual performance was flat, and the business is currently contracting with revenue down 18.4%. The balance sheet is fragile, with a payout ratio of 95.8% that leaves almost no room for error if earnings slip further. The recent surge in put buying confirms that sophisticated investors see this rally as a temporary relief rally rather than a trend reversal. Although the dividend yield looks attractive at nearly 4%, it is largely a function of the depressed share price and is not sustainable given the shrinking top line. The stock trades at a premium P/E relative to its deteriorating fundamentals, making it a poor candidate for either short-term momentum plays or long-term compounding.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.042027
AutoETS0.048865
AutoARIMA0.049728
MSTL0.051614

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 46%
H-stat 5.58
Ljung-Box p 0.000
Jarque-Bera p 0.293
Excess Kurtosis -0.63
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-09
Last Dividend Date 2026-06-10
Revenue per Share 8.772
Market Cap 330,770,368
Trailing P/E 25.03
Forward P/E 12.67
Beta 0.30
Profit Margins 13.67%
Website https://www.unitedbusinessbank.com

As of Aug. 22, 2026, 2:55 a.m. EDT: Speculators are overwhelmingly positioning for downside protection rather than upside participation. Put open interest significantly exceeds call open interest across all expirations, with heavy concentration in out-of-the-money strikes ($22.50, $25.00) suggesting a fear of a significant drop below current levels. Call activity is sparse and concentrated at the money, indicating a lack of aggressive bullish bets despite the recent price recovery.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.94% 3.78% 2.68%
Dividend History
Date Dividend Yield %
2026-06-11 0.30 0.939850
2026-03-12 0.30 1.037703
2025-12-11 0.30 0.974026
2025-09-11 0.25 0.828638
2025-06-12 0.20 0.741015
2025-03-13 0.15 0.615006
2024-12-12 0.15 0.518493
2024-09-19 0.10 0.408163
2024-06-13 0.10 0.517866
2024-03-14 0.10 0.508388
2023-12-13 0.10 0.447828
2023-09-14 0.10 0.515996
2023-06-15 0.10 0.588928
2023-03-09 0.10 0.519751
2022-12-15 0.05 0.269107
2022-09-15 0.05 0.267666
2022-06-16 0.05 0.234742
2022-03-10 0.05 0.224921
Additional Data
dividendRate 1.2
dividendYield 3.96
exDividendDate 2026-09-10
trailingAnnualDividendRate 1.15
trailingAnnualDividendYield 0.038358904
lastDividendValue 0.3
lastDividendDate 2026-06-11
dividendDate 2026-10-08

Info Dump

Attribute Value
52 Week Change 0.014740348
Address1 500 Ygnacio Valley Road
Address2 Suite 200
All Time High 34.98
All Time Low 6.0
Ask 38.47
Ask Size 2
Audit Risk 5
Average Daily Volume10 Day 67,060
Average Daily Volume3 Month 73,290
Average Volume 73,290
Average Volume10Days 67,060
Beta 0.296
Bid 21.53
Bid Size 2
Board Risk 5
Book Value 30.953
City Walnut Creek
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 30.29
Custom Price Alert Confidence HIGH
Date Short Interest 1,786,665,600
Day High 30.49
Day Low 29.995
Dividend Date 1,791,417,600
Dividend Rate 1.2
Dividend Yield 3.96
Earnings Timestamp 1,784,836,800
Earnings Timestamp End 1,792,699,200
Earnings Timestamp Start 1,792,699,200
Ebitda Margins 0.0
Enterprise To Revenue 2.066
Enterprise Value 197,736,000
Eps Current Year 1.81333
Eps Forward 2.39
Eps Trailing Twelve Months 1.21
Esg Populated 0
Ex Dividend Date 1,788,998,400
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 31.8322
Fifty Day Average Change -1.5421982
Fifty Day Average Change Percent -0.048447743
Fifty Two Week Change Percent 1.4740348
Fifty Two Week High 34.98
Fifty Two Week High Change -4.6899986
Fifty Two Week High Change Percent -0.13407658
Fifty Two Week Low 26.78
Fifty Two Week Low Change 3.5100002
Fifty Two Week Low Change Percent 0.13106796
Fifty Two Week Range 26.78 - 34.98
Financial Currency USD
First Trade Date Milliseconds 1,131,633,000,000
Float Shares 10,071,984
Forward Eps 2.39
Forward P E 12.67364
Full Exchange Name NasdaqGS
Full Time Employees 329
Fullday Change 0.310001
Fullday Change Percent 1.03403
Fullday Price 30.29
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,785,542,400
Gross Margins 0.0
Gross Profits 95,708,000
Has Pre Post Market Data 1
Held Percent Insiders 0.06451
Held Percent Institutions 0.65602
Implied Shares Outstanding 10,920,117
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,781,136,000
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 330,770,368
Market State CLOSED
Max Age 86,400
Message Board Id finmb_11130977
Most Recent Quarter 1,782,777,600
Net Income To Common 13,083,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 327,166,705
Number Of Analyst Opinions 3
Open 30.03
Operating Cashflow 28,306,000
Operating Margins 0.16597
Overall Risk 3
Payout Ratio 0.9583
Peg Ratio 0.99
Phone 925 476 1800
Post Market Change 0.0
Post Market Change Percent 0.0
Post Market Price 30.29
Post Market Time 1,787,959,805
Previous Close 29.98
Price Eps Current Year 16.704075
Price Hint 2
Price To Book 0.9785805
Price To Sales Trailing12 Months 3.4560368
Profit Margins 0.1367
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.310001
Regular Market Change Percent 1.03403
Regular Market Day High 30.49
Regular Market Day Low 29.995
Regular Market Day Range 29.995 - 30.49
Regular Market Open 30.03
Regular Market Previous Close 29.98
Regular Market Price 30.29
Regular Market Time 1,787,947,200
Regular Market Volume 52,152
Return On Assets 0.00503
Return On Equity 0.03929
Revenue Growth -0.184
Revenue Per Share 8.772
Sand P52 Week Change 0.20204377
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 1
Shares Outstanding 10,920,117
Shares Percent Shares Out 0.0194
Shares Short 211,863
Shares Short Previous Month Date 1,784,073,600
Shares Short Prior Month 141,492
Short Name BayCom Corp
Short Percent Of Float 0.02
Short Ratio 4.1
Source Interval 15
State CA
Symbol BCML
Target High Price 32.0
Target Low Price 32.0
Target Mean Price 32.0
Target Median Price 32.0
Total Cash 177,382,000
Total Cash Per Share 16.354
Total Debt 46,580,000
Total Revenue 95,708,000
Tradeable 0
Trailing Annual Dividend Rate 1.15
Trailing Annual Dividend Yield 0.038358904
Trailing Eps 1.21
Trailing P E 25.033058
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 30.346
Two Hundred Day Average Change -0.055999756
Two Hundred Day Average Change Percent -0.0018453752
Type Disp Equity
Volume 52,152
Website https://www.unitedbusinessbank.com
Zip 94,596