📊 BCML Key Takeaways
Is BayCom Corp (BCML) a Good Investment?
BayCom demonstrates strong revenue growth (43.3% YoY) and maintains a fortress balance sheet with zero debt, but exhibits critically weak profitability metrics for a financial institution with ROE of 2.4% and ROA of 0.3%. The severe disconnect between revenue growth and net income growth (1.3%), combined with dangerously tight interest coverage (1.1x), signals fundamental operational inefficiencies or competitive pressures that threaten shareholder returns.
BayCom Corp shows solid underlying fundamentals with strong revenue growth, healthy operating and free cash flow generation, and a conservatively leveraged balance sheet with no long-term debt. However, flat net income despite a sharp rise in revenue, only moderate profitability ratios, and relatively modest ROE/ROA suggest growth quality is mixed and earnings efficiency still needs to improve.
BayCom Corp Key Strengths (BCML)
- Strong revenue growth of 43.3% year-over-year indicates expanding business activity
- Fortress balance sheet with zero long-term debt, $305.9M cash position, and 0.00x debt-to-equity ratio
- Positive free cash flow generation ($6.7M) with 19.4% FCF margin demonstrates operational cash production
- Strong revenue growth of 43.3% year over year
- Debt-free long-term capital structure with solid equity base
- Healthy cash generation with free cash flow of $30.09M and a 22.2% FCF margin
BCML Stock Risks: BayCom Corp Investment Risks
- Critically low ROE (2.4%) and ROA (0.3%) for a financial institution indicate severe profitability deterioration relative to assets and equity deployed
- Revenue growth of 43.3% versus net income growth of only 1.3% reveals that growth is not translating to bottom-line profits, suggesting cost inflation or margin compression
- Interest coverage ratio of 1.1x is dangerously tight and leaves minimal buffer for adverse interest rate movements or credit deterioration
- Net income was flat year over year, indicating revenue growth is not fully converting into earnings
- ROE of 7.1% and ROA of 0.9% are modest for a bank and point to limited capital efficiency
- Interest coverage of 3.3x leaves less room for earnings pressure if funding costs or credit costs rise
Key Metrics to Watch
- Return on equity and return on assets trend; any improvement toward 10%+ ROE and 1%+ ROA targets
- Net interest margin and net interest income growth; convergence of revenue growth rate with net income growth
- Interest coverage ratio and provision for loan losses; trends in non-performing assets and loan quality
- Net interest margin and efficiency ratio trends
- Credit quality metrics including nonperforming assets and provision expense
BayCom Corp (BCML) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
BCML Profit Margin, ROE & Profitability Analysis
BCML vs Finance Sector: How BayCom Corp Compares
How BayCom Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is BayCom Corp Stock Overvalued? BCML Valuation Analysis 2026
Based on fundamental analysis, BayCom Corp has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
BayCom Corp Balance Sheet: BCML Debt, Cash & Liquidity
BCML Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: BayCom Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.27 reflects profitable operations.
BCML Revenue Growth, EPS Growth & YoY Performance
BayCom Corp Dividends, Buybacks & Capital Allocation
BCML SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for BayCom Corp (CIK: 0001730984)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BCML
What is the AI rating for BCML?
BayCom Corp (BCML) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 71% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are BCML's key strengths?
Claude: Strong revenue growth of 43.3% year-over-year indicates expanding business activity. Fortress balance sheet with zero long-term debt, $305.9M cash position, and 0.00x debt-to-equity ratio. ChatGPT: Strong revenue growth of 43.3% year over year. Debt-free long-term capital structure with solid equity base.
What are the risks of investing in BCML?
Claude: Critically low ROE (2.4%) and ROA (0.3%) for a financial institution indicate severe profitability deterioration relative to assets and equity deployed. Revenue growth of 43.3% versus net income growth of only 1.3% reveals that growth is not translating to bottom-line profits, suggesting cost inflation or margin compression. ChatGPT: Net income was flat year over year, indicating revenue growth is not fully converting into earnings. ROE of 7.1% and ROA of 0.9% are modest for a bank and point to limited capital efficiency.
What is BCML's revenue and growth?
BayCom Corp reported revenue of $34.6M.
Does BCML pay dividends?
BayCom Corp pays dividends, with $3.3M distributed to shareholders in the trailing twelve months.
Where can I find BCML SEC filings?
Official SEC filings for BayCom Corp (CIK: 0001730984) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BCML's EPS?
BayCom Corp has a diluted EPS of $0.75.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is BCML's fundamental grade?
Based on our AI fundamental analysis in June 2026, BayCom Corp has a C grade with 71% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is BCML stock overvalued or undervalued?
Valuation metrics for BCML: ROE of 2.4% (sector avg: 12%), net margin of 23.7% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is BCML's AI grade for 2026?
Our dual AI analysis gives BayCom Corp a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is BCML's free cash flow?
BayCom Corp's operating cash flow is $7.0M, with capital expenditures of $302.0K. FCF margin is 19.4%.
How does BCML compare to other Finance stocks?
Vs Finance sector averages: Net margin 23.7% (avg: 25%), ROE 2.4% (avg: 12%), current ratio N/A (avg: 1.2).