Baycom Corp Stock Analysis
| BCML Stock | USD 30.00 0.61 2.08% |
BayCom Corp has over 86.76 Million in debt which may indicate that it relies heavily on debt financing. BayCom Corp's financial risk is the risk to BayCom Corp stockholders that is caused by an increase in debt.
Asset vs Debt
Equity vs Debt
BayCom Corp's liquidity is one of the most fundamental aspects of both its future profitability and its ability to meet different types of ongoing financial obligations. BayCom Corp's cash, liquid assets, total liabilities, and shareholder equity can be utilized to evaluate how much leverage the Company is using to sustain its current operations. For traders, higher-leverage indicators usually imply a higher risk to shareholders. In addition, it helps BayCom Stock's retail investors understand whether an upcoming fall or rise in the market will negatively affect BayCom Corp's stakeholders.
For many companies, including BayCom Corp, marketable securities, inventories, and receivables are the most common assets that could be converted to cash. However, for BayCom Corp, the most critical issue when managing liquidity is ensuring that current assets are properly aligned with current liabilities. If they are not, BayCom Corp's management will need to obtain alternative financing to ensure there are always enough cash equivalents on the balance sheet to meet obligations.
Given that BayCom Corp's debt-to-equity ratio measures a Company's obligations relative to the value of its net assets, it is usually used by traders to estimate the extent to which BayCom Corp is acquiring new debt as a mechanism of leveraging its assets. A high debt-to-equity ratio is generally associated with increased risk, implying that it has been aggressive in financing its growth with debt. Another way to look at debt-to-equity ratios is to compare the overall debt load of BayCom Corp to its assets or equity, showing how much of the company assets belong to shareholders vs. creditors. If shareholders own more assets, BayCom Corp is said to be less leveraged. If creditors hold a majority of BayCom Corp's assets, the Company is said to be highly leveraged.
BayCom Corp is undervalued with Real Value of 32.42 and Hype Value of 29.87. The main objective of BayCom Corp stock analysis is to determine its intrinsic value, which is an estimate of what BayCom Corp is worth, separate from its market price. There are two main types of BayCom Corp's stock analysis: fundamental analysis and technical analysis.
The BayCom Corp stock is traded in the USA on NASDAQ Exchange, with the market opening at 09:30:00 and closing at 16:00:00 every Mon,Tue,Wed,Thu,Fri except for officially observed holidays in the USA.
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BayCom Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in industry. BayCom Stock Analysis Notes
About 65.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.94. Some equities with similar Price to Book (P/B) outperform the market in the long run. BayCom Corp last dividend was issued on the 11th of December 2025. 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. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California. Bay Commercial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 375 people. For more info on BayCom Corp please contact George Guarini at 925 476 1800 or go to https://www.unitedbusinessbank.com.BayCom Corp Investment Alerts
| About 65.0% of the company shares are held by institutions such as insurance companies | |
| On 9th of January 2026 BayCom Corp paid $ 0.3 per share dividend to its current shareholders |
BayCom Market Capitalization
The company currently falls under 'Small-Cap' category with a current market capitalization of 320.29 M.BayCom Profitablity
The company has Profit Margin (PM) of 0.25 %, which maeans that even a very small decline in it revenue will erase profits resulting in a net loss. This is way below average. Similarly, it shows Operating Margin (OM) of 0.37 %, which suggests for every 100 dollars of sales, it generated a net operating income of $0.37.Technical Drivers
As of the 4th of February, BayCom Corp shows the Mean Deviation of 1.36, risk adjusted performance of 0.0801, and Downside Deviation of 1.59. BayCom Corp technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices. Please confirm BayCom Corp jensen alpha, potential upside, as well as the relationship between the Potential Upside and skewness to decide if BayCom Corp is priced correctly, providing market reflects its regular price of 30.0 per share. Given that BayCom Corp has jensen alpha of 0.1468, we suggest you to validate BayCom Corp's prevailing market performance to make sure the company can sustain itself at a future point.BayCom Corp Price Movement Analysis
The output start index for this execution was twenty-three with a total number of output elements of thirty-eight. The Bollinger Bands is very popular indicator that was developed by John Bollinger. It consist of three lines. BayCom Corp middle band is a simple moving average of its typical price. The upper and lower bands are (N) standard deviations above and below the middle band. The bands widen and narrow when the volatility of the price is higher or lower, respectively. The upper and lower bands can also be interpreted as price targets for BayCom Corp. When the price bounces off of the lower band and crosses the middle band, then the upper band becomes the price target.
BayCom Corp Insider Trading Activities
Some recent studies suggest that insider trading raises the cost of capital for securities issuers and decreases overall economic growth. Trading by specific BayCom Corp insiders, such as employees or executives, is commonly permitted as long as it does not rely on BayCom Corp's material information that is not in the public domain. Local jurisdictions usually require such trading to be reported in order to monitor insider transactions. In many U.S. states, trading conducted by corporate officers, key employees, directors, or significant shareholders must be reported to the regulator or publicly disclosed, usually within a few business days of the trade. In these cases BayCom Corp insiders are required to file a Form 4 with the U.S. Securities and Exchange Commission (SEC) when buying or selling shares of their own companies.
BayCom Corp Outstanding Bonds
BayCom Corp issues bonds to finance its operations. Corporate bonds make up one of the largest components of the U.S. bond market, which is considered the world's largest securities market. BayCom Corp uses the proceeds from bond sales for a wide variety of purposes, including financing ongoing mergers and acquisitions, buying new equipment, investing in research and development, buying back their own stock, paying dividends to shareholders, and even refinancing existing debt. Most BayCom bonds can be classified according to their maturity, which is the date when BayCom Corp has to pay back the principal to investors. Maturities can be short-term, medium-term, or long-term (more than ten years). Longer-term bonds usually offer higher interest rates but may entail additional risks.
| BAYNGR 44 15 JUL 44 Corp BondUS07274NBF96 | View | |
| BAYNGR 395 15 APR 45 Corp BondUS07274NBG79 | View | |
| BAYNGR 47 15 JUL 64 Corp BondUS07274NBH52 | View | |
| BAYNGR 4375 15 DEC 28 Corp BondUS07274NAL73 | View | |
| BAYNGR 4625 25 JUN 38 Corp BondUS07274NAN30 | View | |
| BAYNGR 4875 25 JUN 48 Corp BondUS07274NAQ60 | View | |
| BAYNGR 42 15 JUL 34 Corp BondUS07274NAZ69 | View | |
| US072722AE18 Corp BondUS072722AE18 | View |
BayCom Corp Predictive Daily Indicators
BayCom Corp intraday indicators are useful technical analysis tools used by many experienced traders. Just like the conventional technical analysis, daily indicators help intraday investors to analyze the price movement with the timing of BayCom Corp stock daily movement. By combining multiple daily indicators into a single trading strategy, you can limit your risk while still earning strong returns on your managed positions.
BayCom Corp Forecast Models
BayCom Corp's time-series forecasting models are one of many BayCom Corp's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary BayCom Corp's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.BayCom Corp Bond Ratings
BayCom Corp financial ratings play a critical role in determining how much BayCom Corp have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for BayCom Corp's borrowing costs.| Piotroski F Score | 5 | Healthy | View |
| Beneish M Score | (2.39) | Unlikely Manipulator | View |
BayCom Corp Debt to Cash Allocation
Many companies such as BayCom Corp, eventually find out that there is only so much market out there to be conquered, and adding the next product or service is only half as profitable per unit as their current endeavors. Eventually, the company will reach a point where cash flows are strong, and extra cash is available but not fully utilized. In this case, the company may start buying back its stock from the public or issue more dividends.
BayCom Corp currently holds 86.76 M in liabilities with Debt to Equity (D/E) ratio of 6.92, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about BayCom Corp's use of debt, we should always consider it together with its cash and equity.BayCom Corp Assets Financed by Debt
Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the BayCom Corp's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of BayCom Corp, which in turn will lower the firm's financial flexibility.BayCom Corp Corporate Bonds Issued
About BayCom Stock Analysis
Stock analysis is the technique used by a trader or investor to examine and evaluate how BayCom Corp prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling BayCom shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as BayCom Corp. By using and applying BayCom Stock analysis, traders can create a robust methodology for identifying BayCom entry and exit points for their positions.
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. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California. Bay Commercial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 375 people.
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Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in BayCom Corp. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in industry. For more information on how to buy BayCom Stock please use our How to buy in BayCom Stock guide.You can also try the Commodity Directory module to find actively traded commodities issued by global exchanges.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of BayCom Corp. Projected growth potential of BayCom fundamentally drives upward valuation adjustments. The financial industry is built on trying to define current growth potential and future valuation accurately. Comprehensive BayCom Corp assessment requires weighing all these inputs, though not all factors influence outcomes equally.
BayCom Corp's market price often diverges from its book value, the accounting figure shown on BayCom's balance sheet. Smart investors calculate BayCom Corp's intrinsic value - its true economic worth - which may differ significantly from both market price and book value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Since BayCom Corp's trading price responds to investor sentiment, macroeconomic conditions, and market psychology, it can swing far from fundamental value.
It's important to distinguish between BayCom Corp's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding BayCom Corp should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. However, BayCom Corp's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.