BCML BayCom Corp
Price (delayed)
$25.93
Market cap
$288.6M
P/E Ratio
12.35
Dividend/share
$0.5
EPS
$2.1
Enterprise value
$11.34M
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 equity has increased by 3.7% YoY
The price to earnings (P/E) is 18% higher than the 5-year quarterly average of 10.5 and 15% higher than the last 4 quarters average of 10.8
BayCom's net income has decreased by 14% YoY
Key stats
What are the main financial stats of BCML
Market
Valuations
Earnings
Shares outstanding
11.13M
Market cap
$288.6M
Enterprise value
$11.34M
Price to earnings (P/E)
12.35
Price to book (P/B)
0.89
Price to sales (P/S)
3.03
EV/EBIT
0.35
EV/EBITDA
0.32
EV/Sales
0.12
Revenue
$96.25M
Gross profit
$96.25M
Operating income
$32.12M
Net income
$23.61M
EBIT
$32.12M
EBITDA
$35.39M
Free cash flow
$28.66M
Per share
Balance sheet
Liquidity
EPS
$2.1
EPS diluted
$2.1
Free cash flow per share
$2.54
Book value per share
$29.17
Revenue per share
$8.55
TBVPS
$232.9
Total assets
$2.66B
Total liabilities
$2.34B
Debt
$86.76M
Equity
$324.37M
Working capital
N/A
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.84
Margins
Efficiency
Dividend
EBITDA margin
36.8%
Gross margin
100%
Net margin
24.5%
Operating margin
33.4%
Return on assets
0.9%
Return on equity
7.4%
Return on invested capital
1.4%
Return on capital employed
N/A
Return on sales
33.4%
Dividend yield
1.93%
DPS
$0.5
Payout ratio
23.8%
BCML stock price
How has the BayCom stock price performed over time
Intraday
-0.19%
1 week
2.73%
1 month
3.93%
1 year
29.52%
YTD
-3.39%
QTD
3.02%
Financial performance
How have BayCom's revenue and profit performed over time
Revenue
$96.25M
Gross profit
$96.25M
Operating income
$32.12M
Net income
$23.61M
Gross margin
100%
Net margin
24.5%
The operating income is down by 16% year-on-year and by 2.2% since the previous quarter
BayCom's net income has decreased by 14% YoY
BCML's operating margin is down by 10% YoY and by 2.3% QoQ
The net margin has contracted by 8% YoY
Growth
What is BayCom's growth rate over time
Valuation
What is BayCom stock price valuation
P/E
12.35
P/B
0.89
P/S
3.03
EV/EBIT
0.35
EV/EBITDA
0.32
EV/Sales
0.12
The price to earnings (P/E) is 18% higher than the 5-year quarterly average of 10.5 and 15% higher than the last 4 quarters average of 10.8
BayCom's EPS has decreased by 7% YoY
The P/B is 11% higher than the 5-year quarterly average of 0.8 and 11% higher than the last 4 quarters average of 0.8
BayCom's equity has increased by 3.7% YoY
The stock's P/S is 22% more than its 5-year quarterly average of 2.5 and 13% more than its last 4 quarters average of 2.7
The revenue has declined by 6% year-on-year
Efficiency
How efficient is BayCom business performance
BCML's ROA is down by 18% YoY
The company's return on equity fell by 16% YoY and by 2.6% QoQ
The company's return on invested capital fell by 13% YoY
BayCom's return on sales has decreased by 10% YoY and by 2.3% QoQ
Dividends
What is BCML's dividend history
DPS
$0.5
Dividend yield
1.93%
Payout ratio
23.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did BayCom financials performed over time
The total assets is 14% more than the total liabilities
BCML's total liabilities is up by 4.5% YoY and by 4.4% QoQ
The total assets has grown by 4.4% YoY and by 4% from the previous quarter
The debt is 73% less than the equity
BCML's debt to equity is down by 3.6% year-on-year
BayCom's equity has increased by 3.7% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.