BayCom Corp (BCML) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BayCom Corp stock $25.55, price $31.16, that is 18.0% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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BayCom Corp
BCML · USOur calculation puts a fair price 18% below what the stock costs today.
What runs behind every stock
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $13.73 – $34.79 · fair‑value band $21.60 – $28.03 · the $31.16 price screens above the $25.55 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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Company profile
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts.
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It also offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection.
In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, and direct deposit services; treasury management services that includes balance reporting, transfers between accounts, wire transfer initiation, automated clearing house (ACH) origination, and stop payments; debit cards; cashier's and travelers checks; letters of credit; and lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep.
It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico.
The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.
Stock analysis
BayCom Corp (BCML) currently trades at $31.16, while our model-based Fair Value estimate is $25.55, 18% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $28.80 per share, and 0 of the 6 models we run sit above the $31.16 price.
Bear case: the Dividend Discount group reads lowest at $9.41, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $21.60 (bear) to $28.03 (bull), the price of $31.16 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BayCom Corp reported revenue of $142M in FY2025 versus $92.8M in FY2021, a compound +11.2%/yr. Reported net income was $23.9M in FY2025, compounding +3.7%/yr from FY2021.
Key figures
Market cap $340M Small · P/E ratio 36.7 · P/S ratio 3.70 · EPS (TTM) $0.8500 · Dividend yield 3.9% · Net margin 10.0% · Return on equity 2.8% · Return on assets (EBIT) 1.3% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −18%, BCML screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Insider trades
In the last 6 months, 3 officers or directors bought shares worth $616,068, most recently on Aug 21, 2026. Buying cluster
- BuyRobert G. LaverneDirector2× since Aug 20, 2026: 2,000 shares, avg. $29.90$59,800Aug 21, 2026
- BuyChristopher F BaronPresident and CEO, Director8,250 shares at $30.39$250,718Aug 10, 2026
- BuyMichael J PerdueDirector2× since May 22, 2026: 10,000 shares, avg. $30.56$305,550Jul 31, 2026
- BuyWilliam J BlackExecutive Vice Chair, Director33,082 shares at $30.17$998,235May 6, 2026
Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.
Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.
Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗
Revenue & earnings trend
BCML screens overvalued: fair value 18% below the price. Compare with China Merchants Bank Co →
Compare BayCom Corp with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Debt-to-equity by industry
- Price/FCF by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs BCML |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs BCML |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs BCML |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs BCML |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs BCML |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs BCML |
| Mizuho Financial Group MFG | $9.40 | $5.89 | −37% | vs BCML |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs BCML |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs BCML |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs BCML |
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