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BayCom

NSQ:BCML · US07272M1071
BanksX-Small

360

28
Profit price31
Cash yield87
Price/Sales24
EV / Gross Profit100
Price/Book59
Returns on capital37
Profit margins—
Cash Conversion59
Accruals74
Owner Earnings Margin46
Sales growth39
Profit Growth30
Owner Earnings Growth33
Reinvestment86
Price momentum32
Debt load94
Debt serviceability43
Liquidity69
Analyst ratings23
Opinion Changes11
Price Target Upside18
Market mood61
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

BayCom clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded2004
Websitebaycomcorp.q4ir.com/corporate-profile/default.aspx
ISINUS07272M1071
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinancial Services

Description

BayCom Corp (BayCom) operates as the bank holding company for United Business Bank that provides a broad range of financial services to businesses and business owners, as well as individual consumers. The company operates various full-service branch…

Analysis

Bargain bin

BayCom Corp falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 12.6× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is adequate. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
67
2023202420252026

All-time high

100

Jan 2024

All-time low

56

Jan 2025

Average rank

78

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
24
53
68
91
Price/Earnings
20
38
71
74
Price/Book
59
75
76
97
Dividend Yield
87
82
16
18
Value (overall)
45
59
69
67

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →