Start here if you're new
what it is
BayCom is a community bank that lends money and gathers deposits for small businesses, professionals, nonprofits, and consumers.
how it gets paid
Last year Baycom made $132M in revenue. commercial real estate lending was the main engine at $46M, or 35% of sales.
what just happened
The clean takeaway is the latest reported EPS was $0.46, even though the broader source set shows conflicting quarterly figures.
At a glance
B+ balance sheet — decent shape, but not bulletproof
80/100 earnings predictability — you can trust these numbers
13.8x trailing p/e — the market's not buying it — or you found a deal
4.1% dividend yield — cash in your pocket every quarter
~$2.10 trailing EPS (anchors 13.8x P/E)
xvary composite: 58/100 — below average
What they do
BayCom is a community bank that lends money and gathers deposits for small businesses, professionals, nonprofits, and consumers.
This is a relationship bank with 34 full-service branches and 324 employees, not an app with a mascot. Your business deposit account, loan paperwork, and SBA process tend to stay where they already work. That local stickiness helps BayCom serve small and mid-sized clients across California, Colorado, Seattle, and Central New Mexico without needing national-bank scale.
How they make money
$132M
annual revenue
commercial real estate lending
$46M
commercial and industrial lending
$32M
sba and government-guaranteed lending
$18M
deposit and treasury services
$22M
consumer and other lending
$14M
The products that matter
commercial business lending
Commercial Loans
$2.1B loan portfolio
This $2.1B loan book is the earning-asset engine behind most of the bank's $94.5M in net interest income. If credit quality weakens, this is where your problem starts.
core · rate-sensitive
fees and service revenue
Non-interest Income
$37.9M · +8.2% growth
This $37.9M revenue stream is smaller, but it grew faster than lending income and now makes up 28.6% of total revenue. In human-speak: it gives you at least some earnings ballast when spreads get ugly.
diversifier · steadier
funding base
Deposits and pricing discipline
the number is missing here
That absence matters. For a bank, deposits are the raw material. This snapshot can tell you spread income dominates revenue, but it cannot fully show you how expensive the funding base has become. That's the hole you should keep in mind.
critical · thin disclosure here
Key numbers
13.8x
trailing p/e
P/E means price-to-earnings → plain English: what investors pay for each $1 of profit → so what: BCML is priced like a steady bank, not a growth story.
4.1%
dividend yield
Dividend yield means annual cash payout as a percent of your stock price → plain English: your cash return while you wait → so what: the stock pays you more than many large banks.
$72M
long-term debt
That equals about 19% of capital, which is manageable but not tiny for a $316M market cap bank.
$2.10
~$2.10 trailing EPS
EPS means earnings per share → plain English: profit assigned to each share you own → so what: this is the earnings base implied by the ~13.8x trailing P/E at the price on this page.
Financial health
B+
strength
- balance sheet grade B+ — solid but not elite
- risk rank 3 — safer than 50% of stocks
- price stability 80 / 100
- long-term debt $72M (19% of capital)
B+ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for BCML right now.
source: institutional data · return history unavailable
What just happened
beat estimates
The clean takeaway is the latest reported EPS was $0.46, even though the broader source set shows conflicting quarterly figures.
BayCom's earnings data is messy across sources. Anchor to ~$132M TTM revenue and ~$0.46 for the latest verified EPS print. A single quarter scales to roughly ~$33M (~one-fourth of annual revenue) — not ~$101M unless the line is multi-quarter.
~$33M
revenue (q)
~$0.46
eps (print)
$132M
ttm revenue
the number that mattered
The number that mattered was $0.46 in last reported EPS, because that is the latest consensus-verified profit figure investors are anchoring to.
source: company earnings report, 2026
Get this snapshot in your inbox
This page, delivered free — plus weekly updates when the numbers change. plain english, no spam.
weekly updates
earnings alerts
plain english
no spam
What could go wrong
BayCom is not a mystery box. The main risks sit right in front of you: spread pressure, loan quality, regional concentration, and a dividend that only looks easy if earnings recover.
high
Net interest margin compression
$94.5M of annual revenue comes from net interest income. If deposit costs rise faster than loan yields, the biggest revenue stream gets squeezed first. That's not a side issue. It's the model.
pressures earnings and turns a cheap-looking multiple into an earnings trap
high
Credit deterioration in the $2.1B loan book
Community banks do not get many free mistakes in underwriting. A soft patch among small-business borrowers shows up through provisions, lower income, and less confidence in the dividend at the same time.
a credit wobble hits capital, earnings, and valuation all at once
med
California concentration
BayCom is not a nationally diversified lender. If California small-business conditions weaken, you feel it through the same $2.1B loan base that powers the income story.
a narrow footprint means local stress matters more
med
Dividend pressure
The $0.30 quarterly payout helps explain the 4.1% yield. But if quarterly EPS stays near $0.63 instead of rebounding, investors stop seeing income and start seeing payout risk.
the yield story weakens fast if coverage keeps tightening
With 71% of revenue tied to spread income and a $2.1B loan book doing the heavy lifting, small changes in funding costs or credit quality can move a lot in a $316M story.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings — Apr 16, 2026
Analysts project $25.1M in revenue. The bigger question is not the headline sales line. It is whether earnings recover from the $0.63 Q4 print or settle there.
revenue mix
Net interest income still does most of the work
$94.5M of annual revenue comes from spread income versus $37.9M from fees. If that mix shifts even a little toward fees, the business gets less tied to rates.
dividend
The $0.30 quarterly payout now needs cleaner coverage
A 4.1% yield looks attractive until earnings soften. If another weak quarter lands without a rebound in coverage, income holders will notice fast.
valuation
13.2x earnings only works if earnings stop slipping
The stock sits at $28.95 inside a $22–$33 range. If profits stabilize, that multiple looks modest. If profits slide again, the market is probably being realistic.
Analyst rankings
earnings predictability
80 / 100
The bank's results have usually been readable. In human-speak, analysts think management is fairly steady even if the business itself is tied to rates.
price stability
80 / 100
The stock trades with less drama than many small caps. That's useful. It does not mean the underlying bank is free of credit or funding risk.
risk rank
3
A risk rank of 3 points to middling safety. Translation: safer than the sketchiest small caps, still exposed to the usual community-bank problems.
source: institutional data
Institutional activity
institutional ownership data for BCML is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$29
current price
n/a
target midpoint · n/a from current
Want the deeper analysis?
The full deep dive: dcf model, scenario analysis, competitive moat breakdown, and quarterly tracking — everything on this page, taken further.
see plans from $5/moThe deep dive