BCML BayCom Corp

Price (delayed)

$25.65

Market cap

$285.49M

P/E Ratio

12.21

Dividend/share

$0.5

EPS

$2.1

Enterprise value

$8.22M

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
BayCom's net income has decreased by 14% YoY
The price to earnings (P/E) is 14% higher than the 5-year quarterly average of 10.5 and 11% higher than the last 4 quarters average of 10.8

Key stats

What are the main financial stats of BCML
Market
Shares outstanding
11.13M
Market cap
$285.49M
Enterprise value
$8.22M
Valuations
Price to earnings (P/E)
12.21
Price to book (P/B)
0.88
Price to sales (P/S)
3
EV/EBIT
0.26
EV/EBITDA
0.23
EV/Sales
0.09
Earnings
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
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
Balance sheet
Total assets
$2.66B
Total liabilities
$2.34B
Debt
$86.76M
Equity
$324.37M
Working capital
N/A
Liquidity
Debt to equity
0.27
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
-7.84
Margins
EBITDA margin
36.8%
Gross margin
100%
Net margin
24.5%
Operating margin
33.4%
Efficiency
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
Dividend yield
1.95%
DPS
$0.5
Payout ratio
23.8%

BCML stock price

How has the BayCom stock price performed over time
Intraday
1.91%
1 week
0.79%
1 month
-6.73%
1 year
24.7%
YTD
-4.43%
QTD
1.91%

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
12.21
P/B
0.88
P/S
3
EV/EBIT
0.26
EV/EBITDA
0.23
EV/Sales
0.09
The price to earnings (P/E) is 14% higher than the 5-year quarterly average of 10.5 and 11% higher than the last 4 quarters average of 10.8
BayCom's EPS has decreased by 7% YoY
The P/B is 8% higher than the 5-year quarterly average of 0.8 and 8% 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 18% more than its 5-year quarterly average of 2.5 and 9% 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
1.95%
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
BayCom's equity has increased by 3.7% YoY
BCML's debt to equity is down by 3.6% year-on-year

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