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BayCom Corp (BCML)

NASDAQ Stock Market Financial Services Banks - RegionalView data quality →
61.1Fair

ValueMarkers Composite Index

Top 84%#7,195 of 44,707
Overvalued

32% above intrinsic value ($23)

UndervaluedFair ValueOvervalued
Piotroski
8/9
Strong
Beneish
1.47
High Risk
Altman
0.37
Distress
DCF Value
$23
Overvalued
ROIC
9.8%
Adequate
P/E
13.1
Value
Updated: ·Source: Data sourced from SEC filings and institutional providers. Not financial advice.·Report data issue

BayCom Corp (BCML) — VMCI valuation read

BCML prints VMCI 61/100 inside the Financial Services sector, where the median sits at 50. The 11-point above-median delta is the cleanest single-number summary of BayCom Corp's composite stance, and in the mid-cap bucket it places the share ahead of the typical peer on the five-pillar mix.

On BCML, the SEC EDGAR Form 4 stream shows no insider buys or sells in the past 30 days. Quiet tapes happen; they just remove a signal that bull and bear cases sometimes lean on for confirmation.

**Investor frame.** BCML trades at 22.0x earnings, 22% above the Financial Services median of 18.0x; that is the value line. ROIC of 14.0% sits 4.0pp above the Financial Services median (10.0%); that is the quality line. net debt to EBITDA of -2.1x leaves covenant headroom; that is the risk line for BayCom Corp on the trailing financials.

BCML fell 1.7% over the trailing 7 days, with a -1.0% read on a 30-day basis.

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. The company offers demand, savings, money market, and time deposit accounts. It also provides commercial and multifamily 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, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and 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 incorporated in 2004 and is headquartered in Walnut Creek, California.

CEO: George J. Guarini320 employeesUSwww.unitedbusinessbank.com

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