BAYCOM CORP (BCML)
Financials · Regional Commercial Banking · NASDAQ
A regional bank serving small and mid-sized businesses across five Western states (California, Colorado, Nevada, New Mexico, Washington) with a focus on lending and deposit-gathering services.
What BAYCOM CORP does
BayCom Corp is a bank holding company whose principal subsidiary is United Business Bank, a commercial bank operating across California, Colorado, Nevada, New Mexico, and Washington. The company provides traditional banking services including lending to businesses and individuals, deposit-taking, and related financial services. With approximately $2.65 billion in total assets as of March 2026, BayCom operates a regional footprint focused on the San Francisco Bay Area, Southern California, Denver, Seattle, Central New Mexico, and the California Central Valley agricultural region.
Themes: ["Regional banking / community banking","Commercial lending","Small and mid-market businesses (SMB)","Real estate lending","West Coast banking"]
Fundamentals
- Price$33.44 as of 2026-07-09 close
- Market cap$365M as of 2026-07-10
- 1-year return+15.1% as of 2026-07-09 close
- P/E13.83 as of 2026-07-10
- ROE+7.8% as of 2026-07-10
- Debt / equity0.02 as of 2026-07-10
- Beta0.30 as of 2026-07-10
Dividend: yield +3.5%; 4-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Geographic concentration risk: Operations limited to five western states with heavy exposure to Bay Area, Southern California, Denver, and Seattle real estate markets; economic downturns in these regions could materially impact credit quality and profitability.","Credit risk: Significant portion of loan portfolio is real estate-secured; deterioration in regional real estate values, rising loan delinquencies, and increasing nonperforming assets could impair earnings and require larger loan loss provisions.","Interest rate and monetary policy risk: Net interest income sensitive to Federal Reserve rate changes, yield curve movements, and macroeconomic conditions including inflation, which could reduce demand for loans and increase deposit costs."]
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.