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BayCom Corp (BCML) Fair Value & Analysis

Financial Services · US · Market cap $343M

Price$31.81
Fair Value$28.52
Upside-10.3%
Quality95/100
Evidence: High Range $21.39 – $35.65

Fair value as of: Jun 26, 2026

Analysis

BayCom Corp (BCML) currently trades at $31.81, while our model-based Fair Value estimate is $28.52 — implying the stock looks roughly 10.3% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

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. 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 clearin…

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Frequently asked questions

Is BayCom Corp (BCML) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $28.52 versus a price of $31.81 — about −10% (overvalued). Model-based estimate, not financial advice.
What is the fair value of BCML?
Our 21-model fair value for BayCom Corp is $28.52 (as of Jun 26, 2026), built from audited fundamentals. The current price is $31.81.
What is the quality score of BCML?
BayCom Corp has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.