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Investlytic score: 4/5 criteria met. Data as of 04/11/2026.
- ❌ Price trend failed
- ✅ Growth passed
- ✅ Debt passed
- ✅ P/E passed
- ✅ Correction passed
Price trend
Overall trend (8 years): insufficient progression (less than x1.5).
Price change 2018 → 2019: -1.52%
Price change 2019 → 2020: -33.29%
Price change 2020 → 2021: 23.67%
Price change 2021 → 2022: 1.17%
Price change 2022 → 2023: 24.29%
Price change 2023 → 2024: 13.78%
Price change 2024 → 2025: 9.54%
Price change 2025 → 2026: 5.44%
Price change 2026 (year to date): 7.56%
Financial growth
Revenue CAGR (8 years): 12.04%
Earnings CAGR (8 years): 7.43%
Growth status: positive trend (>1%/yr) in revenue and earnings.
Debt
Debt-to-equity ratio: 0.07
Debt/equity < 0.5 (maximum threshold).
P/E (Price/Earnings)
P/E ratio: 12.81
P/E < 25.0 (maximum threshold).
Correction (6 months)
Current correction: 10.89% from the high over 6 months.
Correction between 10.0% and 20.0% (target range).
Criteria of the Investlytic model
- / 5Free with the Investlytic logo. Paste this line into your page: options.
<script src="https://investlytic.co/encart.js" data-symbole="BCML" data-lang="en"></script>Price trend
Price & trend
Interactive chart →💰 Dividend
Dividend ranking →⚖️ Comparison with the market
All stocks →| Stock | P/E | Dette/FP | Revenue growth | Rating |
|---|---|---|---|---|
| BayCom Corp | 12.7 | 0.07 | +20.6 % | 🔒 |
| Bourse Direct S.A. | 12.5 | 0.59 | +8.3 % | – |
| ABC arbitrage S.A. | 10.2 | 0.01 | −0.1 % | – |
| Institut de Développement Industriel SCA | 4.7 | 0.04 | +1.5 % | ★ 4/5 |
| American Business Bank | 10.1 | 0.00 | +13.2 % | ★ 4/5 |
Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.
Detailed analysis · Price trend
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Revenues & profits
Revenue and net income
Financial indicators
Annual financial statements
| Fiscal year | Revenue | Net income | Net margin | EPS | Revenue growth |
|---|
Key reported figures
Revenue, net income and net margin reported by BayCom Corp over the latest fiscal years.
| Fiscal year | Revenue | Net income | Net margin | Revenue growth |
|---|---|---|---|---|
| 2020 | 95.6 m | 13.7 m | 14.4 % | n/a |
| 2021 | 92.8 m | 20.7 m | 22.3 % | -3.0 % |
| 2022 | 111 m | 23.7 m | 21.3 % | +19.9 % |
| 2023 | 133 m | 27.4 m | 20.6 % | +19.5 % |
| 2024 | 138 m | 23.6 m | 17.1 % | +3.6 % |
| 2025 | 142 m | 23.9 m | 16.9 % | +3.0 % |
Amounts converted to USD. Source: published annual accounts, collected on 30/10/2026.
Accounts and financial health
Balance sheet and cash flow published by BayCom Corp over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Cash and investments | 180 m | 183 m | 25.5 m | 25.4 m | 206 m |
| Total Debt | 84.6 m | 89.3 m | 87.2 m | 86.8 m | 22.4 m |
| Net Debt | 59.8 m | 60.1 m | 68.1 m | 63.4 m | -4.4 m |
| Equity | 263 m | 317 m | 313 m | 324 m | 339 m |
| Total assets | 2.4 bn | 2.5 bn | 2.6 bn | 2.7 bn | 2.6 bn |
| Operating cash flow | 10.4 m | 39.6 m | 30.8 m | 30.4 m | 31.8 m |
| Investments (capex) | 1.3 m | 843,000 | 2.1 m | 1.7 m | 1.7 m |
| Free cash-flow | 9.1 m | 38.8 m | 28.7 m | 28.7 m | 30.1 m |
| Share buybacks | 11.6 m | 18.0 m | 24.1 m | 9.2 m | 6.9 m |
| Dividends paid | 0 | 2.0 m | 3.6 m | 3.4 m | 6.6 m |
Amounts in USD, currency of the published accounts.
Trailing 12-month ratios
Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 03/11/2026.
Valuation and competitors
BayCom Corp compared with its sector on the same exchange and with its main competitors.
Direct competitors
| Company | Market cap (USD) | P/E | Net margin |
|---|---|---|---|
| BayCom Corp | 336 m | 12.7 | 16.9 % |
| PCB Bancorp PCB | 411 m | 10.5 | 17.9 % |
| Citizens & Northern Corporation CZNC | 503 m | 15.2 | 15.2 % |
| Waterstone Financial, Inc. WSBF | 351 m | 11.8 | 13.1 % |
| FS Bancorp, Inc. FSBW | 346 m | 11.5 | 15.3 % |
| Plumas Bancorp PLBC | 439 m | 10.6 | 27.4 % |
| Colony Bankcorp, Inc. CBAN | 432 m | 10.9 | 15.2 % |
| Isabella Bank Corporation ISBA | 302 m | 14.6 | 16.9 % |
| RBB Bancorp RBB | 432 m | 9.9 | 13.4 % |
| Sector median (Nasdaq) | 20.3 |
Trailing 12-month P/E. Sector: median of companies in the same sector listed on the same exchange, collected on 02/11/2026. Competitors: comparable companies named by the data provider.
Analyst consensus and forecasts
What the financial analysts covering BayCom Corp publish: ratings, price targets and earnings forecasts.
Breakdown of ratings
Price targets: published for companies listed in the United States only.
Track record against expectations: reported EPS above consensus 5 times over the last 12 releases.
Source: ratings and forecasts published by analysts, collected on 03/11/2026. An analyst rating or target is not a guarantee.
Dividends and earnings
BayCom Corp: dividend history, last distributions, stock splits and earnings releases.
Annual dividend per share (USD), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.
Latest ex-dividend dates
| Ex-dividend | Amount | Payment |
|---|---|---|
| 10/09/2026 | 0.300 USD | 08/10/2026 |
| 11/06/2026 | 0.300 USD | 09/07/2026 |
| 12/03/2026 | 0.300 USD | 09/04/2026 |
| 11/12/2025 | 0.300 USD | 09/01/2026 |
| 11/09/2025 | 0.250 USD | 09/10/2025 |
| 12/06/2025 | 0.200 USD | 10/07/2025 |
| 13/03/2025 | 0.150 USD | 10/04/2025 |
| 12/12/2024 | 0.150 USD | 10/01/2025 |
Earnings releases
| Date | Published EPS | Expected EPS | Surprise |
|---|---|---|---|
| 22/10/2026 | 0.10 | 0.56 | -82.1 % |
| 23/07/2026 | 0.32 | 0.64 | -50.2 % |
| 23/04/2026 | 0.75 | 0.60 | +25.2 % |
| 22/01/2026 | 0.63 | 0.65 | -3.1 % |
| 23/10/2025 | 0.46 | 0.52 | -11.5 % |
| 17/07/2025 | 0.58 | 0.55 | +5.5 % |
Factual data: ex-dividend history and earnings calendar, as of 03/11/2026. A past dividend does not guarantee the next one.
Who owns the stock
Free float, institutional investors, large funds, executives and elected officials: declared positions in BayCom Corp.
Large funds tracked
| Fund | Shares | Value (USD) | Weight in the fund | Change | Quarter |
|---|---|---|---|---|---|
| Wellington Management | 1.0 m | 33.4 m | 0.0 % | -0.3 % | 2026Q2 |
| BlackRock | 926,776 | 30.5 m | 0.0 % | +9.3 % | 2026Q2 |
| Vanguard Group | 633,228 | 18.6 m | 0.0 % | +4.0 % | 2025Q4 |
| State Street | 426,374 | 14.1 m | 0.0 % | +124.8 % | 2026Q2 |
| Geode Capital Management | 267,980 | 8.8 m | 0.0 % | +6.6 % | 2026Q2 |
| Northern Trust | 84,310 | 2.8 m | 0.0 % | +0.9 % | 2026Q2 |
| Two Sigma Investments | 80,566 | 2.7 m | 0.0 % | +145.0 % | 2026Q2 |
| Morgan Stanley | 67,920 | 2.2 m | 0.0 % | +66.6 % | 2026Q2 |
Latest insider transactions
| Date | Person | Side | Amount |
|---|---|---|---|
| 21/08/2026 | Laverne Robert G. | purchase | 29,850 USD |
| 20/08/2026 | Laverne Robert G. | purchase | 29,950 USD |
| 10/08/2026 | Baron Christopher F | purchase | 250,718 USD |
| 31/07/2026 | Perdue Michael J | purchase | 150,850 USD |
Sources: 13F filings (quarter shown), executives' Form 4 filings and US Congress members' disclosures, collected on 03/11/2026. Detailed disclosure obligations mainly apply to companies listed in the United States.
PEA and practical information
Rule applied: the French PEA accepts shares of companies headquartered in the European Union or the European Economic Area and subject to corporate income tax; ADRs and tax-exempt property companies (SIIC) are excluded. The institution holding the PEA confirms eligibility.
Frequently asked questions about BayCom Corp
What is the BayCom Corp share price?
Latest recorded price: 30.77 USD on 30/10/2026, for a market cap of 336 m USD.
What is the revenue of BayCom Corp?
142 m USD for fiscal year 2025, with net income of 23.9 m USD (net margin 16.9 %).
Does BayCom Corp pay a dividend?
Yes. Latest dividend: 0.300 USD per share, ex-dividend on 10/09/2026. Over 12 months: 1.20 USD. Yield on the latest known price: 2.1 %.
What do analysts say about BayCom Corp?
Out of 5 analysts: 4 buy or strong buy, 1 hold, 0 sell or strong sell.
What is the P/E ratio of BayCom Corp?
Trailing 12-month P/E of 12.7, against 20.3 for the sector median on the same exchange (10-year median: 23.2).
Is BayCom Corp stock eligible for the French PEA?
No: the company is headquartered outside the European Union and the European Economic Area (ISIN US07272M1071).
How many employees does BayCom Corp have?
320 full-time employees according to the latest published profile.
Who runs BayCom Corp?
George J. Guarini is the company's chief executive.
Which large funds own BayCom Corp?
As of 2026Q2, among the large funds tracked: Wellington Management, BlackRock, Vanguard Group, State Street, Geode Capital Management.