BayCom Corp (BCML) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
BayCom Corp stock (BCML) is currently trading at $29.28. BayCom Corp PE ratio is 13.22. BayCom Corp PS ratio (Price-to-Sales) is 3.26. Analyst consensus price target for BCML is $33.00. WallStSmart rates BCML as Hold.
- BCML PE ratio analysis and historical PE chart
- BCML PS ratio (Price-to-Sales) history and trend
- BCML intrinsic value — DCF, Graham Number, EPV models
- BCML stock price prediction 2025 2026 2027 2028 2029 2030
- BCML fair value vs current price
- BCML insider transactions and insider buying
- Is BCML undervalued or overvalued?
- BayCom Corp financial analysis — revenue, earnings, cash flow
- BCML Piotroski F-Score and Altman Z-Score
- BCML analyst price target and Smart Rating
BayCom Corp
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BCML Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · BayCom Corp (BCML)
BCML trades at a significant discount to its Graham intrinsic value of $65.05, offering a 53% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
BayCom Corp (BCML) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, profit margin. Concerns around return on equity. Fundamentals are solid but monitor weak areas for improvement.
BayCom Corp (BCML) Key Strengths (4)
Keeps $37 of every $100 in revenue after operating costs
Trading below book value, meaning the market prices it less than net assets
Keeps $25 of every $100 in revenue as net profit
65.45% held by institutions, strong professional interest
Supporting Valuation Data
BayCom Corp (BCML) Areas to Watch (5)
Low profitability relative to shareholder equity
Modest revenue growth at 6.50%
Small-cap company with higher risk but more growth potential
Revenue is fairly priced at 3.26x sales
Solid earnings growth at 14.40%
BayCom Corp (BCML) Detailed Analysis Report
Overall Assessment
This company scores 63/100 in our Smart Analysis, earning a C+ grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.5/10) while 5 fall into concern territory (avg 4.8/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Operating Margin, Price/Book, Profit Margin. Valuation metrics including Price/Book (0.93) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 36.90%, Profit Margin at 24.80%.
The Bear Case
The primary concerns are Return on Equity, Revenue Growth, Market Cap. Some valuation metrics including Price/Sales (3.26) suggest expensive pricing. Growth concerns include Revenue Growth at 6.50%, EPS Growth at 14.40%, which may limit upside. Profitability pressure is visible in Return on Equity at 7.22%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Return on Equity improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 7.22% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 6.50% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Price/Book) and negatives (Return on Equity, Revenue Growth). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
BCML Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
BCML's Price-to-Sales ratio of 3.26x sits near its historical average of 3.3x (14th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 4% below its historical high of 3.39x set in Feb 2026, and 0% above its historical low of 3.24x in Mar 2026.
WallStSmart Analysis Synopsis
Data-driven financial summary for BayCom Corp (BCML) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
BayCom Corp is a mature, profitable business with steady cash generation. Revenue reached 96M with 7% growth year-over-year. Profit margins are strong at 24.8%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 722.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 24.8% and operating margin of 36.9% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 314.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact BayCom Corp.
Bottom Line
BayCom Corp is a well-established business delivering consistent profitability with 24.8% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About BayCom Corp(BCML)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
BayCom Corp is the banking holding company for United Business Bank providing various financial services to businesses, business owners and individuals. The company is headquartered in Walnut Creek, California.