BCML:NSD-BayCom Corp (USD)

COMMON STOCK | Banks-Regional | NSD

Last Closing Price

USD 18.37

Change

+0.46 (+2.57)%

Market Cap

USD 0.19B

Volume

4.40K

Avg Analyst Target

N/A

Avg User Target

USD
Average Analyst Rating

N/A

Fundamental Analysis

Verdict

About

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to businesses, business owners, and individuals. The company offers demand, savings, money market, and time deposit accounts. It also provides 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 offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, account reconciliation, and escrow services, as well as facilitates tax-deferred commercial exchanges and provides zero balance accounts and sweep accounts including loan sweep. It operates through a network of 34 full service branches in Northern and Southern California; 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 founded in 2004 and is headquartered in Walnut Creek, California.

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-09-22 )

Largest Industry Peers for Banks-Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SIVB SVB Financial Group

+14.66 (+2.47%)

USD34.80B 16.94 N/A
HBANN Huntington Bancshares Incorpor..

+0.03 (+0.10%)

USD27.64B 27.38 N/A
FITB Fifth Third Bancorp

+0.82 (+2.14%)

USD26.41B 11.15 N/A
HBAN Huntington Bancshares Incorpor..

+0.25 (+1.75%)

USD21.04B 15.39 N/A
FITBI Fifth Third Bancorp

+0.13 (+0.45%)

USD20.08B 8.37 N/A
SBNY Signature Bank

+2.91 (+1.16%)

USD15.15B 19.68 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD12.99B 21.91 N/A
ZION Zions Bancorporation National ..

+1.54 (+2.78%)

USD8.97B 8.31 N/A
FCNCA First Citizens BancShares Inc

+15.78 (+1.95%)

USD7.84B 14.14 N/A
CBSH Commerce Bancshares Inc

+0.51 (+0.77%)

USD7.71B 14.16 N/A

ETFs Containing BCML

Symbol Name Weight Mer Price(Change) Market Cap

N/A

Market Performance

  Market Performance vs.
Industry/Classification (Banks-Regional)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 21.09% 54% F 71% C-
Dividend Return N/A N/A N/A N/A N/A
Total Return 21.09% 51% F 70% C-
Trailing 12 Months  
Capital Gain 76.63% 65% D 75% C
Dividend Return N/A N/A N/A N/A N/A
Total Return 76.63% 61% D- 74% C
Trailing 5 Years  
Capital Gain 49.11% 67% D+ 56% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 49.11% 57% F 52% F
Average Annual (5 Year Horizon)  
Capital Gain 7.50% 71% C- 46% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 7.50% 63% D 42% F
Risk Return Profile  
Volatility (Standard Deviation) 35.61% 29% F 52% F
Risk Adjusted Return 21.07% 47% F 35% F
Market Capitalization 0.19B 27% F 31% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 87%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Banks-Regional)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 11.59 41% F 64% D
Price/Book Ratio 0.77 98% A+ 94% A
Price / Cash Flow Ratio 19.26 23% F 22% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 6.98% 17% F 62% D-
Return on Invested Capital 4.64% 43% F 65% D
Return on Assets 0.78% 20% F 50% F
Debt to Equity Ratio 30.36% 40% F 50% F
Technical Ratios  
Short Ratio 7.63 18% F 19% F
Short Percent 0.89% 56% F 78% C+
Beta 1.05 39% F 56% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Ratings

Target Price Action Rating Action Analyst Rating Price Date

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User / Independent Analyst Ratings

User Name Target Rating Target Horizon (Months) Target Price User Analysis Date Comment

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced compared to book value

The stock is trading low compared to its peers on a price to book value basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Low market capitalization

This is among the smaller entities in its sectors with below median market capitalization. That may make it less stable in the long run unless it has a unique technology or market which can help it grow or get acquired in future.

Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced on cashflow basis

The stock is trading high compared to its peers on a price to cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Poor capital utilization

The company management has delivered below median return on invested capital in the most recent 4 quarters compared to its peers.

Poor return on assets

The company management has delivered below median return on assets in the most recent 4 quarters compared to its peers.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.