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BayCom Corp.BCMLCompetitor analysis, valuation and peers

United States · USD·Financials›Regional Banks
Momentum strong 60
Mkt cap
$340M
US dollars, full cap
Free float
93%
of shares outstanding
$/day
$2.01M
20-day average traded
P/B
1.02×
price to book
ROE
2.8%
delivered
Implied ROE
6.6%
what the price asks
Next earnings
83 days
28 Jan 2027
Close · USD$31.16
1D+1.0%
1W+1.3%
1M+1.0%
3M+2.5%
6M+0.7%
YTD+6.0%
1Y+10.5%
ATR %2.5%
Beta0.22
52w lowhigh10.9% off high

What BayCom does

Employees: 327

BayCom at a glance

Size BayCom (BCML) is a United States Financials company (Regional Banks) with a market value of $340M, the 3007th largest of 3,117 United States companies the cockpit tracks. Shares closed at $31.16 on 6 Nov 2026.

Performance Over six months the shares gained 0.7%, against +8.9% for the median peer and -1.1% for the United States market (cap-weighted) — 6th lowest of 20 in its peer set.

Growth Revenue fell 4.8% over the last twelve months (peer median +8.4%); the operating margin is 14.8% (peer median 36.3%).

Valuation It trades at 1.02× book value against a peer median of 1.23× (6th cheapest of 21).

Price implies The share price implies a return on equity of about 6.6%; BayCom delivers 2.8%, so the price asks more than the business earns today.

Short interest Short interest is 1.6% of the free float (15 Oct 2026).

Next results Next results expected around 28 Jan 2027 (exchange calendar; dates can move).

Relative performance

10011011 May 202611 Aug 20266 Nov 2026Peer median 111BCML 102
Six months, rebased to 100: BayCom against the median of its 20 peers (local-currency closes).

BayCom financials

Reported figures in USD; fiscal year ends 2025-12-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue$134M$141M$138M$133M$113M
Revenue growth—+2%+4%+18%—
Net income$9.22M$23.9M$23.6M$27.4M$23.7M
Free cash flown/a$28.9M$27.5M$26.3M$30.2M
Capital expendituren/a$1.75M$1.70M$2.12M$843,000
Total debt$20.8M$22.4M$86.8M$87.2M$89.3M

Quarterly statements and history in the cockpit →

BayCom competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

0%+25%+50%+75%+100%0%+20%CFFIMVBFISBACOSOJMSB8551FRSTUSCBHBLNFRAFGRLAROGSAVBHBPRNISTRBCML6-month return →1-month return →
Up and to the right = strong over both horizons. BayCom is the large dot.

Fundamentals: return on equity against price-to-book

5%10%15%10×1.50×CFFIMVBFISBACOSOJMSB8551FRSTUSCBHBLNFRAFGRLAFCCOROGSAVBHBPRNISTRPKBKATLONWFLBCMLReturn on equity →Price / book →
A bank or insurer earning more on its equity usually trades at a higher multiple of book; points far above the trend are priced for more. BayCom is the large dot.

Capital: ROE delivered against the ROE the price implies

0%10%0%10%CFFIMVBFISBACOSO8551USCBFRAFGRLAROGSAVBHPKBKBCMLROE delivered →ROE the price implies →
Above the diagonal = the price asks for a higher return on equity than the business earns today. BayCom is the large dot.

BayCom competitors and peer comparison

How BayCom compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

BayCom against its 20 peers (data as of 6 Nov 2026)
MeasureBCMLPeer medianRank in peer set
1-month return+1.0%+2.4%7th lowest of 20
6-month return+0.7%+8.9%6th lowest of 20
Return on equity2.8%11.6%2nd lowest of 21
Price / book1.02×1.23×6th cheapest of 21
Trailing P/E36.8×11.8×most expensive of 20
ROE the price implies6.6%7.7%4th least demanding of 19
ROE delivered2.8%11.5%2nd lowest of 20

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthROEPrice / bookImplied ROEDelivered ROE
BayCom BCMLUnited States$340M+1%-5%3%1.02×6.6%2.8%
C&F Financial CFFIUnited States$342M+41%+8%12%1.27×7.6%11.6%
MVB Financial MVBFUnited States$337M-1%+11%7%1.02×9.5%6.7%
Isabella Bank ISBAUnited States$345M-5%+11%9%1.22×7.1%8.9%
CoastalSouth Bancshares COSOUnited States$330M+9%+8%12%1.26×7.2%11.5%
John Marshall Bancorp JMSBUnited States$327M+9%+7%10%1.18×7.7%9.9%
Kita-Nippon Bank 8551.TJapan$324M+98%+17%5%0.53×4.4%5.5%
Primis Financial FRSTUnited States$359M0%+17%13%0.82×7.5%13.4%
USCB Financial USCBUnited States$363M+5%+3%13%1.64×9.9%13.4%
Hypothekarbank Lenzburg HBLN.SWSwitzerland$368M0%+4%4%0.60×n/a4.3%
Franklin Financial Services FRAFUnited States$311M+18%+7%16%1.75×8.9%16.2%
GronlandsBANKEN A/S GRLA.CODenmark$373M+43%-13%12%1.59×5.9%11.8%
First Community FCCOUnited States$309M+8%+19%37%1.51×n/a37.5%
Rogaland Sparebank ROGS.OLNorway$375M+4%0%7%0.83×5.3%6.9%
Avidbank AVBHUnited States$378M+14%-32%-6%1.28×7.3%-5.6%
Princeton Bancorp BPRNUnited States$303M+26%-4%8%1.12×7.7%7.6%
Georgia Banking GBCUnited States$382Mn/an/a12%1.23×8.9%n/a
Investar ISTRUnited States$383M-2%+34%11%1.00×7.7%11.0%
Parke Bancorp PKBKUnited States$384M+6%+9%14%1.17×8.3%14.1%
Ames National ATLOUnited States$300M+18%+8%13%1.46×7.9%12.5%
Norwood Financial NWFLUnited States$389M+17%+46%12%1.37×9.3%12.5%

Questions

Which companies are BayCom's closest peers?
The cockpit's peer set: C&F Financial (CFFI), MVB Financial (MVBF), Isabella Bank (ISBA), CoastalSouth Bancshares (COSO), John Marshall Bancorp (JMSB), Kita-Nippon Bank (8551.T), Primis Financial (FRST), USCB Financial (USCB).
Is BayCom expensive compared with its peers?
On price / book it trades at 1.02× against a peer median of 1.23×, 6th cheapest of 21 in its peer set. The share price implies a return on equity of about 6.6%; BayCom delivers 2.8%, so the price asks more than the business earns today.
How has BayCom stock performed?
Over six months to 6 Nov 2026 the shares returned +0.7% against +8.9% for the median peer; over one year +10.5%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.