BCML:NSD-BayCom Corp (USD)

COMMON STOCK | Banks—Regional | NSD

Last Closing Price

USD 15.64

Change

0.00 (0.00)%

Market Cap

USD 0.19B

Volume

5.90K

Average Target Price

N/A
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 multi-family 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 22 full service branches in San Francisco Bay Area, California; 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. Address: 500 Ygnacio Valley Road, Walnut Creek, CA, United States, 94596

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2020-11-29 )

Largest Industry Peers for Banks—Regional

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
HBANN Huntington Bancshares Incorpor..

N/A

USD29.13B 37.58 N/A
FITBI Fifth Third Bancorp

N/A

USD20.22B 14.43 N/A
FITB Fifth Third Bancorp

N/A

USD18.72B 13.12 N/A
SIVB SVB Financial Group

N/A

USD18.33B 17.24 N/A
HBANO Huntington Bancshares Incorpor..

N/A

USD13.39B 36.27 N/A
HBAN Huntington Bancshares Incorpor..

N/A

USD12.68B 17.52 N/A
CBSH Commerce Bancshares, Inc

N/A

USD7.59B 24.13 N/A
PBCTP People's United Financial, Inc

N/A

USD6.77B 24.24 N/A
ZION Zions Bancorporation, National..

N/A

USD6.47B 16.69 N/A
SBNY Signature Bank

N/A

USD6.17B 12.12 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 -31.22% 13% F 14% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -31.22% 9% F 13% F
Trailing 12 Months  
Capital Gain -28.78% 14% F 15% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -28.78% 10% F 14% F
Trailing 5 Years  
Capital Gain 17.51% 56% F 51% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 17.51% 41% F 45% F
Average Annual (5 Year Horizon)  
Capital Gain 11.68% N/A N/A 68% D+
Dividend Return N/A N/A N/A N/A N/A
Total Return 11.68% N/A N/A 65% D
Risk Return Profile  
Volatility (Standard Deviation) 30.69% N/A N/A 47% F
Risk Adjusted Return 38.06% N/A N/A 60% D-
Market Capitalization 0.19B 35% F 37% 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%

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 13.90 38% F 62% D-
Price/Book Ratio 0.72 93% A 92% A-
Price / Cash Flow Ratio 26.61 7% F 14% F
EV/EBITDA N/A N/A N/A N/A N/A
Management Effectiveness  
Return on Equity 5.55% 25% F 64% D
Return on Invested Capital 10.16% 79% C+ 79% C+
Return on Assets 0.68% 29% F 53% F
Debt to Equity Ratio 3.24% 93% A 85% B
Technical Ratios  
Short Ratio 2.40 78% C+ 60% D-
Short Percent 0.58% 80% B- 86% B
Beta 0.82 54% F 70% C-
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 Rating

Target Price Action Rating Action Analyst Rating Price Date

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.

Superior capital utilization

The company management has delivered better return on invested capital in the most recent 4 quarters than its peers, placing it in the top quartile.

Low debt

The company is less leveraged than its peers ,, and is among the top quartile, which makes it more flexible. However, do check the news and look at its sector. Sometimes this is low because the company is not growing and has no growth potential.

Positive cash flow

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

Superior Earnings Growth

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

Superior Revenue Growth

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

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.

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 return on assets

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