BayCom Corp Common Stock (BCML)

FairStock Score: 58/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I see BayCom as a small regional bank serving small and mid-sized businesses, a simple business but one without a wide moat. Its market cap is $335.2M, so scale is modest and competitive advantage depends on local relationships and underwriting. The profit record is mixed. In fiscal year 2023, the year ended 2023-12-31, net income was $27.4M; in fiscal year 2024, the year ended 2024-12-31, it was $23.6M; in fiscal year 2025, the year ended 2025-12-31, it was $23.9M. Diluted EPS was $2.27, $2.10, and $2.18 respectively. Then fiscal Q1 2026, the quarter ended 2026-03-31, earned $8.2M, or $0.75 per diluted share, but fiscal Q2 2026, the quarter ended 2026-06-30, lost $7.0M, or -$0.64 per diluted share. That swing is a red flag. FairStock's calculations show ROE of 3.93%, ROCE of 0.50%, P/E of 25.58 on $1.20 EPS, P/B of 0.99, a 3.91% dividend yield, and a Piotroski F-Score of 3/9. The P/B is not demanding, but the P/E and weak ROE suggest the market is paying up for uncertain earnings. The Lynch category is STALWART based on 11.8% five-year profit growth, yet the latest quarter undermines that. I cannot assess CET1, net interest margin, nonperforming loans, reserves, or charge-offs from this data; combined ratio is not a bank measure and is also absent. Without credit and capital detail, I see a fair-to-full price for a bank with inconsistent recent profitability.

In plain English: BayCom is a small regional bank that lends to small and mid-sized businesses. It has generally made money over the past few years, but a recent quarter showed a loss, and its profits are low compared with the money invested. The stock trades close to its accounting value but looks expensive compared with recent earnings, so the price appears fair to slightly high.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer