BCML BayCom Corp

Price (delayed)

$20.61

Market cap

$236.38M

P/E Ratio

9.08

Dividend/share

$0.4

EPS

$2.27

Enterprise value

$16.03M

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, ...

Highlights
BayCom's EPS has increased by 25% YoY
The debt has contracted by 2.4% YoY
The price to earnings (P/E) is 22% lower than the 5-year quarterly average of 11.7 but 4.4% higher than the last 4 quarters average of 8.7
BayCom's net income has increased by 16% YoY but it has decreased by 4.3% QoQ

Key stats

What are the main financial stats of BCML
Market
Shares outstanding
11.47M
Market cap
$236.38M
Enterprise value
$16.03M
Valuations
Price to earnings (P/E)
9.08
Price to book (P/B)
0.76
Price to sales (P/S)
2.42
EV/EBIT
0.42
EV/EBITDA
0.39
EV/Sales
0.16
Earnings
Revenue
$102.84M
EBIT
$38.16M
EBITDA
$41.12M
Free cash flow
$28.68M
Per share
EPS
$2.27
Free cash flow per share
$2.38
Book value per share
$27.09
Revenue per share
$8.52
TBVPS
$207.82
Balance sheet
Total assets
$2.55B
Total liabilities
$2.24B
Debt
$87.2M
Equity
$312.87M
Working capital
N/A
Liquidity
Debt to equity
0.28
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-5.36
Margins
EBITDA margin
40%
Gross margin
100%
Net margin
26.7%
Operating margin
37.1%
Efficiency
Return on assets
1.1%
Return on equity
8.8%
Return on invested capital
1.6%
Return on capital employed
N/A
Return on sales
37.1%
Dividend
Dividend yield
1.94%
DPS
$0.4
Payout ratio
17.6%

BCML stock price

How has the BayCom stock price performed over time
Intraday
0.63%
1 week
0.54%
1 month
4.35%
1 year
18.93%
YTD
-12.63%
QTD
-12.63%

Financial performance

How have BayCom's revenue and profit performed over time
Revenue
$102.84M
Gross profit
$102.84M
Operating income
$38.16M
Net income
$27.43M
Gross margin
100%
Net margin
26.7%
The operating income is up by 18% year-on-year but it is down by 4.1% since the previous quarter
BayCom's net income has increased by 16% YoY but it has decreased by 4.3% QoQ
BCML's operating margin is up by 12% YoY
The net margin has grown by 11% YoY

Growth

What is BayCom's growth rate over time

Valuation

What is BayCom stock price valuation
P/E
9.08
P/B
0.76
P/S
2.42
EV/EBIT
0.42
EV/EBITDA
0.39
EV/Sales
0.16
BayCom's EPS has increased by 25% YoY
The price to earnings (P/E) is 22% lower than the 5-year quarterly average of 11.7 but 4.4% higher than the last 4 quarters average of 8.7
The P/B is 9% higher than the last 4 quarters average of 0.7 but 5% lower than the 5-year quarterly average of 0.8
The stock's P/S is 10% less than its 5-year quarterly average of 2.7 but 5% more than its last 4 quarters average of 2.3
The revenue is up by 4.5% year-on-year but it has declined by 2.7% since the previous quarter

Efficiency

How efficient is BayCom business performance
BCML's ROA is up by 22% YoY
The company's return on equity rose by 19% YoY but it fell by 4.3% QoQ
The company's return on invested capital rose by 14% YoY but it fell by 6% QoQ
BayCom's return on sales has increased by 12% YoY

Dividends

What is BCML's dividend history
DPS
$0.4
Dividend yield
1.94%
Payout ratio
17.6%
Recent dividends

Financial health

How did BayCom financials performed over time
The total assets is 14% more than the total liabilities
The debt is 72% less than the equity
BCML's debt to equity is down by 3.4% since the previous quarter
The debt has contracted by 2.4% YoY

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.