Stocks · Financial Services · Banks - Regional
BayCom Corp BCML
$31.19 +0.94% Close, Oct 2, 2026 · NASDAQ · Market cap $340.3M
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- At 26.0× trailing earnings, the shares trade at the highest P/E of the company's past five years.
- Operating margin narrowed to 13.9% from 23.5% a year earlier.
- Diluted EPS over the last four quarters was $1.20, down 45.0% year over year.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth8Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 34%
- EPS growth (TTM, YoY)Bottom 14%
- FCF growth (TTM, YoY)Bottom 22%
- Revenue growth, 3-year CAGRBottom 25%
- Revenue growth accelerationBottom 36%
Quality48Neutral
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 35%
- Gross marginTop 45%
- Operating marginBottom 30%
- Cash conversion (OCF / net income)Top 17%
- Accruals (lower is better)Top 39%
- Net debt / EBITDA (lower is better)Top 48%
- Interest coverBottom 27%
Value36Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 35%
- Free-cash-flow yieldBottom 49%
- EBITDA / enterprise valueBottom 47%
- Sales / enterprise valueTop 35%
- P/E vs own 5-year history (lower is better)Bottom 2%
Momentum51Neutral
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthBottom 48%
- 6-month returnBottom 49%
- 1-year return vs S&P 500Top 43%
- Distance from 52-week highBottom 49%
- Trend checklist (0–4)Top 27%
Revisions27Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 16%
- Consecutive EPS beatsBottom 17%
- Share of analysts rating BuyTop 12%
- Upside to consensus price targetBottom 30%
Stability64Neutral
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 43%
- Maximum drawdown, 3 yearsTop 27%
- Beta vs S&P 500 (lower is better)Top 36%
- Net debt / EBITDA (lower is better)Top 48%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 4.5% | 2.7% | ↓ |
| EPS growth (YoY) | 15.2% | -45.0% | ↓ |
| Gross margin | 69.2% | 67.4% | ↓ |
| Operating margin | 23.5% | 13.9% | ↓ |
| FCF margin | 23.0% | 18.6% | ↓ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 2.7% | 4.5% | ↓ | Bottom 34% |
| EPS growth (TTM, YoY) | -45.0% | 15.2% | ↓ | Bottom 14% |
| Gross margin | 67.4% | 69.2% | ↓ | Top 45% |
| Operating margin | 13.9% | 23.5% | ↓ | Bottom 30% |
| Net margin | 9.2% | 17.4% | ↓ | — |
| Free-cash-flow margin | 18.6% | 23.0% | ↓ | — |
| Return on invested capital | 0.5% | — | Bottom 35% | |
| Revenue growth, 3-year CAGR | 8.4% | — | Bottom 25% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 2.16×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.6%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -69.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.13×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.5×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 3.37%
- Net buyback yield (TTM)
- 0.51%
- Shareholder yield
- 3.87%
- Share count change, 1 year
- -0.9%
- Share count change, 3-year CAGR
- -3.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 4 of 8
- Average EPS surprise, last 4
- -9.9%
- Average 2-day reaction, last 8
- +0.5%
- Positive 20 days after report
- 6 of 8
Analysts
- Consensus price target
- $34.00
- Target vs current price
- +9.0%
- Analysts with a rating
- 5
- Share rating Buy or Strong Buy
- 80%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | -50.2% | -0.5% | -7.7% | -8.6% | — |
| Apr 23, 2026 | +25.2% | +0.8% | +1.9% | +6.5% | +17.7% |
| Jan 22, 2026 | -3.1% | +0.9% | -4.2% | +0.3% | -2.2% |
| Oct 23, 2025 | -11.5% | -0.6% | -3.4% | -1.6% | +1.6% |
| Jul 17, 2025 | +5.5% | +1.3% | +3.9% | +5.3% | +2.0% |
| Apr 17, 2025 | -1.9% | +0.3% | +0.7% | +5.4% | +6.7% |
| Jan 24, 2025 | +7.8% | +2.2% | +6.2% | +3.0% | -3.4% |
| Oct 17, 2024 | +5.9% | +0.0% | +1.7% | +12.2% | +4.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $0.32 | $0.64 | -50.2% | $25.2M |
| Apr 23, 2026 | $0.75 | $0.60 | +25.2% | $26.7M |
| Jan 22, 2026 | $0.63 | $0.65 | -3.1% | $25.9M |
| Oct 23, 2025 | $0.46 | $0.52 | -11.5% | $26.0M |
| Jul 17, 2025 | $0.58 | $0.55 | +5.5% | $24.7M |
| Apr 17, 2025 | $0.51 | $0.52 | -1.9% | $24.3M |
| Jan 24, 2025 | $0.55 | $0.51 | +7.8% | $23.7M |
| Oct 17, 2024 | $0.54 | $0.51 | +5.9% | $25.5M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 26.0× | 10.8× | 100th | Bottom 35% |
| P/E (forward) | 15.3× | — | — | — |
| EV / EBITDA | 16.6× | — | — | Bottom 47% |
| EV / Sales | 2.55× | — | — | Top 35% |
| Free-cash-flow yield | 7.80% | — | — | Bottom 49% |
| Earnings yield | 3.85% | — | — | Bottom 35% |
P/E over the past five years
Range 7.2× – 25.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +11.0%
- Earnings per share growth (TTM)
- -45.0%
- Change in P/E multiple
- +100.0%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✗ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 2
- Days above the 200-day average
- 2
- 50-day average slope (20 days)
- -3.9%
- 200-day average slope (20 days)
- +0.3%
- Distance from 50-day average
- +2.4%
- Distance from 200-day average
- +2.4%
- RSI (14)
- 58.7
- Relative volume
- 1.71×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 22.1%
- Volatility vs own 5-year history
- 15th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.54
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -10.3%
- Maximum drawdown, 3 years
- -20.3%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Jun 2, 2022 | May 15, 2023 | -35.5% | 238 days | 151 days (Dec 19, 2023) |
| Dec 28, 2023 | Jun 24, 2024 | -20.3% | 121 days | 19 days (Jul 22, 2024) |
| Nov 26, 2024 | Apr 3, 2025 | -18.9% | 86 days | 97 days (Aug 22, 2025) |
| Jul 26, 2024 | Aug 7, 2024 | -14.9% | 8 days | 54 days (Oct 23, 2024) |
| Jul 16, 2026 | Sep 23, 2026 | -14.8% | 48 days | Not yet recovered |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $340.3M
- P/E (TTM)
- 26.0
- EPS, diluted (TTM)
- $1.20
- Revenue (TTM)
- $142.9M
- Dividend yield
- 3.85%
- 52-week range
- $26.78 – $34.98
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $92.8M | $111.2M | $132.9M | $137.7M | $141.8M |
| Gross profit | $83.5M | $96.5M | $102.4M | $95.9M | $97.1M |
| Operating income | $28.5M | $32.4M | $38.2M | $32.1M | $32.9M |
| Net income | $20.7M | $23.7M | $27.4M | $23.6M | $23.9M |
| EPS (diluted) | $1.90 | $1.81 | $2.27 | $2.10 | $2.18 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $36.0M | $34.1M | $34.1M | $35.0M | $37.5M | $35.6M | $36.1M | $33.7M |
| Net income | $6.0M | $6.1M | $5.7M | $6.4M | $5.0M | $6.9M | $8.2M | -$7.0M |
| EPS (diluted) | $0.54 | $0.55 | $0.51 | $0.58 | $0.46 | $0.63 | $0.75 | -$0.64 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $10.4M | $39.6M | $30.8M | $30.4M | $31.8M |
| Capital expenditure | -$1.3M | -$843,000 | -$2.1M | -$1.7M | -$1.7M |
| Free cash flow | $9.1M | $38.8M | $28.7M | $28.7M | $30.1M |
| Dividends paid | $0 | -$2.0M | -$3.6M | -$3.4M | -$6.6M |
| Net share buybacks | -$11.6M | -$18.0M | -$24.1M | -$9.2M | -$6.9M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $204.5M
- Total assets
- $2.58B
- Total liabilities
- $2.24B
- Total debt
- $46.6M
- Net debt
- $24.8M
- Shareholders’ equity
- $335.4M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 10, 2026 | $0.30 | Oct 8, 2026 |
| Jun 11, 2026 | $0.30 | Jul 9, 2026 |
| Mar 12, 2026 | $0.30 | Apr 9, 2026 |
| Dec 11, 2025 | $0.30 | Jan 9, 2026 |
| Sep 11, 2025 | $0.25 | Oct 9, 2025 |
| Jun 12, 2025 | $0.20 | Jul 10, 2025 |
| Mar 13, 2025 | $0.15 | Apr 10, 2025 |
| Dec 12, 2024 | $0.15 | Jan 10, 2025 |
Short interest
- Shares sold short
- 212,878
- Days to cover
- 5.81
- Change vs previous report
- -1.0%
FINRA short interest, settlement date Sep 15, 2026.