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BayCom Corp (BCML)

Financial Services | Banks - Regional | Walnut Creek, United States | NasdaqGS
30.56 USD -0.14 (-0.456%) ⇩ (Oct. 14, 2026, 4 p.m. EDT)
After hours: 30.56

Short-term:★★⯪☆☆Long-term:★★⯪☆☆Dividends:★★☆☆☆
Hot Take ↕ | Oct. 10, 2026, 7:35 a.m. EDT

The investment case here is fractured by conflicting signals. Fundamentally, the company shows resilience with a 122% gain over the last nine years and no recent consecutive annual declines, yet it is currently trapped in a severe growth recession with revenue contracting by nearly 19%. This stagnation is reflected in the valuation, where the forward P/E of 12.6x suggests the market expects earnings to recover significantly, but the current payout ratio of 96% leaves little room for error if that recovery stalls. The dividend, while yielding nearly 4%, is precarious given the payout ratio exceeds 95%; it is likely being maintained only because the stock price has fallen, rather than because of robust cash flow generation. Short-term momentum is neutral, hovering around the 50-day average, and options data confirms a defensive bias with sellers betting on a drop to $25 while buyers remain passive. Until revenue growth turns positive again, this remains a speculative hold rather than a compelling buy.

Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoETS ✓0.015386
AutoARIMA0.015447
MSTL0.015842
AutoTheta0.043562

Forecast horizon: 45 days | Selected: AutoETS

Forecast Reliability
Score 54%
H-stat 3.40
Ljung-Box p 0.000
Jarque-Bera p 0.341
Excess Kurtosis -0.76
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-09
Last Dividend Date 2026-09-09
Revenue per Share 8.772
Market Cap 333,718,784
Trailing P/E 25.47
Forward P/E 12.65
Beta 0.33
Profit Margins 13.67%
Website https://www.unitedbusinessbank.com

As of Oct. 10, 2026, 7:35 a.m. EDT: Speculators are positioning defensively with heavy out-of-the-money put open interest at the $25 strike for the December expiration, suggesting a fear of a significant drop to that level. Conversely, there is minimal call activity beyond the money, indicating a lack of aggressive bullish sentiment despite the stock trading near its 52-week high.


Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.99% 3.94% 2.84% —
Dividend History
Date Dividend Yield %
2026-09-10 0.30 0.992392
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
dividendYield 3.91
exDividendDate 2026-09-10
trailingAnnualDividendRate 1.15
trailingAnnualDividendYield 0.03745928
lastDividendValue 0.3
lastDividendDate 2026-09-10
dividendDate 2026-10-08

Info Dump

Attribute Value
52 Week Change 0.072301745
Address1 500 Ygnacio Valley Road
Address2 Suite 200
All Time High 34.98
All Time Low 6.0
Ask 30.64
Ask Size 3
Audit Risk 5
Average Analyst Rating 2.5 - Buy
Average Daily Volume10 Day 63,600
Average Daily Volume3 Month 56,089
Average Volume 56,089
Average Volume10Days 63,600
Beta 0.33
Bid 30.51
Bid Size 1
Board Risk 4
Book Value 30.953
City Walnut Creek
Compensation Risk 7
Country United States
Crypto Tradeable 0
Currency USD
Current Price 30.56
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 30.905
Day Low 30.34
Display Name BayCom
Dividend Date 1,791,417,600
Dividend Yield 3.91
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 2.097
Enterprise Value 200,664,528
Eps Current Year 1.865
Eps Forward 2.415
Eps Trailing Twelve Months 1.2
Esg Populated 0
Ex Dividend Date 1,788,998,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 30.4702
Fifty Day Average Change 0.08979988
Fifty Day Average Change Percent 0.002947138
Fifty Two Week Change Percent 7.2301745
Fifty Two Week High 34.98
Fifty Two Week High Change -4.42
Fifty Two Week High Change Percent -0.12635793
Fifty Two Week Low 26.78
Fifty Two Week Low Change 3.7799988
Fifty Two Week Low Change Percent 0.14115006
Fifty Two Week Range 26.78 - 34.98
Financial Currency USD
First Trade Date Milliseconds 1,131,633,000,000
Five Year Avg Dividend Yield 1.15
Float Shares 10,071,984
Forward Eps 2.415
Forward P E 12.654244
Full Exchange Name NasdaqGS
Full Time Employees 329
Fullday Change -0.1400013
Fullday Change Percent -0.45603028
Fullday Price 30.56
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 95,708,000
Has Pre Post Market Data 1
Held Percent Insiders 0.067779996
Held Percent Institutions 0.65672994
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 1,788,998,400
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 333,718,784
Market State POST
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 322,935,159
Number Of Analyst Opinions 4
Open 30.35
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 30.56
Post Market Time 1,792,008,026
Previous Close 30.7
Price Eps Current Year 16.386059
Price Hint 2
Price To Book 0.9873033
Price To Sales Trailing12 Months 3.486843
Profit Margins 0.1367
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key buy
Recommendation Mean 2.5
Region US
Regular Market Change -0.140001
Regular Market Change Percent -0.45603
Regular Market Day High 30.905
Regular Market Day Low 30.34
Regular Market Day Range 30.34 - 30.905
Regular Market Open 30.35
Regular Market Previous Close 30.7
Regular Market Price 30.56
Regular Market Time 1,792,008,001
Regular Market Volume 63,179
Return On Assets 0.00503
Return On Equity 0.03929
Revenue Growth -0.184
Revenue Per Share 8.772
Sand P52 Week Change 0.17004645
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 0.016900001
Shares Short 184,419
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 214,993
Short Name BayCom Corp
Short Percent Of Float 0.0174
Short Ratio 3.62
Source Interval 15
State CA
Symbol BCML
Target High Price 35.0
Target Low Price 32.0
Target Mean Price 32.75
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 0.03745928
Trailing Eps 1.2
Trailing P E 25.466665
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 30.4363
Two Hundred Day Average Change 0.12369919
Two Hundred Day Average Change Percent 0.004064199
Type Disp Equity
Volume 63,179
Website https://www.unitedbusinessbank.com
Zip 94,596