BAYCOM CORP (BCML)
Financials · regional banks · NASDAQ
A regional bank holding company providing commercial and retail banking services across the Western United States.
What BAYCOM CORP does
BayCom Corp is a bank holding company that operates primarily through its wholly-owned subsidiary, United Business Bank. The company provides a comprehensive range of commercial and retail banking services to businesses and individuals across California, Colorado, Nevada, New Mexico, and Washington. Its operations are focused on commercial banking, lending, and deposit services, with a significant emphasis on real estate-secured loans.
Themes: regional banking, commercial lending, real estate lending, small business finance
Fundamentals
- Price$30.00 as of 2026-08-21 close
- Market cap$328M as of 2026-08-21
- 1-year return+5.8% 2025-08-21 close $28.36 → 2026-08-21 close $30.00
- P/E26.25 as of 2026-08-24
- ROE+3.9% as of 2026-08-24
- Debt / equity0.09 as of 2026-08-24
- Beta0.34 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.4%; at least 4 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How BCML compares in its sector
- price-to-earnings ratiotop 25% 525 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, BCML's dividend was covered by reported results (earnings payout 28%, free-cash-flow payout 22%). This describes past coverage, not a forecast.
- Earnings payout28% dividends / net income
- Free-cash-flow payout22% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How BAYCOM CORP looks technically
BAYCOM CORP (BCML) is trading 0.6% below its 200-day average, the long-term trend line — a long-term downtrend. Its 50-day average crossed above its 200-day average about 514 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It just made a new 20-day low, its first since 2026-05-15, breaking below its recent trading range. Day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move.
Trend
8
| Distance from the 200-day | it is trading 0.6% below its 200-day average, the long-term trend line — a long-term downtrend | -0.6% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $32.00 | $32.00 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $30.19 | $30.19 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 21 calendar days ago — the swings before that are what the structure reading is measured on | 21 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 29.895. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 514 trading days ago — a "golden cross", a bullish long-term signal | 514 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 23 (a reading of 25+ marks a strong trend) | 23.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 37, neither overbought (above 70) nor oversold (below 30) | 37.0 |
|---|---|---|
| Position in its 14-day range | it is trading near the bottom of its 14-day range ($29.68 to $31.55) — its "stochastic" reading is 17 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 17.1 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative) | 2 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $34.98 | $34.98 |
|---|---|---|
| From the 52-week high | it is 14.2% below its 52-week high (its highest price of the past year) | -14.2% |
| Above the 52-week low | it is 12.0% above its 52-week low (its lowest price of the past year) | +12.0% |
| Below the 52-week high | it is 14.2% below its highest point of the past year | 14.2% |
| Since a 20-day breakout | it just made a new 20-day low, its first since 2026-05-15, breaking below its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day low, its first since 2026-05-15, breaking below its recent trading range | 1 session |
| All-time high | its highest closing price on record is $34.98 (set on 2026-07-16) | $34.98 |
| Given back of the 52-week move | over the past year its closes ranged ($27.14 to $34.79), and it has given back close to two thirds of its rise from last year’s low — 63% of it. Chart-watchers call 61.8%-65% given back the "golden pocket", and this is inside it — for this company that is $29.82 to $30.06. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 62.6% |
| From the all-time high | it is 14.2% below its all-time high | -14.2% |
| Nearest price level | it is sitting right on a support level at $29.91 — a price it turned at 10 times since 2024-11-27, most recently on 2026-08-10. Since 2024-08-21 it has 6 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -0.3% |
| All-time low | its lowest closing price on record is $6.00 (set on 2011-10-04) | $6.00 |
| Above the all-time low | it is 400.0% above its all-time low | +400.0% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are unusually narrow versus its own recent history — a "Bollinger squeeze" (in the tightest 1% of the past ~6 months), which often precedes a bigger move | 1st percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.8071 between its high and its low — about 2.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.8071 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $29.92 and $31.38 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $29.92 – $30.65 – $31.38 |
| Typical daily range (% of price) | its price moves about 2.7% in a typical session — calmer than most companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 2.7% |
| Stretch from the 200-day average | it is trading 0.2 daily ranges below its 200-day average price (0.6% below it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 0.2 daily ranges below its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.38× |
|---|
Analyst
2
| Change in the average price target | analysts' average price target is unchanged from the prior reading | 0.0% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a bearish engulfing | 2 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it | 2 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.6% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.6% |
|---|---|---|
| Gap filled | a 2.8% gap up opened on 2026-06-05 has been "filled" 19 sessions ago — price traded back through the level the gap left behind, and it took 31 sessions to close | 19 sessions ago |
Price streaks
1
| Closing streak | it has closed lower 3 sessions in a row, a -3.54% move over the run — an unbroken run of down days, which describes what has already happened and says nothing about the next session | 3 sessions down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 13.9 percentage points (the stock lost 11.6% while the market gained 2.3%) | -13.9% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 6.9 percentage points (the stock lost 3.8% while the market gained 3.1%) | -6.8% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 11.9 percentage points (the stock lost 0.8% while the market gained 11.1%) | -11.9% |
| vs market, 12 months | over the past 12 months this stock lagged the market by 14.7 percentage points (the stock gained 5.8% while the market gained 20.5%) | -14.7% |
Signal agreement
2
| Bullish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, near the bottom of its 14-day range (oversold) — these describe past price behaviour, not a forecast | 2 of 9 |
|---|---|---|
| Bearish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bearish state: trading below its 200-day average, a fresh 20-day low, MACD momentum is negative, lagging the market over 6 months, trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 6.5% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 4.2% of the share price. | -6.5% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 3% below the average price paid so far this year, so the typical buyer over that stretch is under water. That average is $30.89 — a volume-weighted average of daily closes over 156 sessions, not a true tick-by-tick VWAP. | -2.9% |
|---|---|---|
| Vs the average paid since it last reported | the price is 3% below the average price paid since it last reported on 2026-07-23 (its 8-K), so the typical buyer over that stretch is under water. That average is $30.79 — a volume-weighted average of daily closes over 22 sessions, not a true tick-by-tick VWAP. | -2.6% |
Price levels it has turned at before
BCML last closed at $30.00 on 2026-08-21. Since 2024-08-21 it has turned at 6 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $29.91 | Support | 0.3% below the last close | turned there 10 times · 2024-11-27 to 2026-08-10 |
| $31.10 | Resistance | 3.7% above the last close | turned there 8 times · 2025-08-27 to 2026-06-17 |
| $28.81 | Support | 4.0% below the last close | turned there 7 times · 2024-11-06 to 2026-02-09 |
| $27.95 | Support | 6.8% below the last close | turned there 8 times · 2025-04-23 to 2026-03-20 |
| $32.91 | Resistance | 9.7% above the last close | turned there twice · 2025-12-18 to 2026-04-09 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $29.89.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $37.54 and $42.26 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $29.89.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading below the 200-day moving average · Broke down to a new 20-day low · MACD just crossed bearish (12/26/9) · in a Bollinger Band volatility squeeze · lagging the market · At the bottom of its 14-day range (stochastic below 20) | Learn: moving average · golden cross · adx · rsi · macd · breakout · bollinger bands
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 3 analysts
- Mean price target$32.00 range $32.00 – $32.00
Analyst estimates, as of 2026-08-18. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for BCML
- Consensus EPS estimate$0.54 next reporting period, as of 2026-08-18
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Concentration risk due to significant portion of loan portfolio secured by real estate.","Sensitivity to regional economic downturns in primary markets (CA, CO, NV, NM, WA).","Interest rate volatility affecting net interest income and asset yields."]
What changed in the latest 10-Q
AI-assisted comparison of BCML's 10-Q filed 2026-05-11 against the prior one filed 2025-11-07.
Management's Discussion & Analysis (MD&A)
- Added:
- Added 'volatility' to interest rate risks: 'changes in interest rate levels and volatility, and the timing and pace of such changes'
- Added 'the level of economic growth' to employment/inflation risks
- Added new risk bullet on deposit insurance: 'our ability to attract and retain deposits, including the risk that changes to federal deposit insurance limits or coverage rules, or customer concerns regarding the safety of uninsured deposits, could adversely affect deposit stability'
- Added expanded AI risks: 'risks associated with the use of AI in credit underwriting, customer service, and operations, including model error, algorithmic bias, regulatory scrutiny under fair lending laws, and reliance on third-party AI providers'
- Added reference to 'commodity prices' in geopolitical risks
- Removed:
- Removed reference to 'Chief Executive Officer' from senior management dependency risk
- Removed specific geographic references: 'tensions or instability in Eastern Europe, the Middle East, and Asia' from geopolitical developments
- Removed reference to '2024 Annual Report' (replaced with '2025 Annual Report')
- Removed 'energy prices' from geopolitical impacts (replaced with 'commodity prices')
- Reworded:
- Changed 'adverse impacts to economic conditions' to 'adverse economic conditions' (2026-05-11)
- Changed 'specifically' to 'in particular' (2026-05-11)
- Changed 'effects of employment levels, labor shortages, persistent inflation, ongoing or renewed recessionary pressures, political instability or uncertainty, and rising debt levels' to 'employment levels, labor supply, inflation, recessionary pressures, or the level of economic growth' (2026-05-11)
- Changed 'changes in interest rate levels and the duration of such changes' to 'changes in interest rate levels and volatility, and the timing and pace of such changes' (2026-05-11)
- Changed 'the impact of inflation and monetary and fiscal policy responses thereto' to 'the impact of inflation and monetary and fiscal policy responses' (2026-05-11)
- Changed 'negative press' to 'negative publicity' (2026-05-11)
- Changed 'legislation or regulatory changes, including but not limited to shifts in capital requirements, banking regulations, tax laws, or consumer protection laws' to 'legislative or regulatory changes, including changes in banking, securities and tax laws, in regulatory policies and principles, or the interpretation of regulatory capital or other rules' (2026-05-11)
- Changed 'our ability to attract and retain deposits' standalone to include deposit insurance coverage conditions (2026-05-11)
- Changed 'vulnerabilities in information systems or third-party service providers, including disruptions, breaches, or attacks' to include 'cyberattacks' (2026-05-11)
- Changed 'advancements in artificial intelligence, digital banking, and cybersecurity' to 'advancements in artificial intelligence ("AI"), digital banking platforms, and cybersecurity' (2026-05-11)
- Changed 'risks associated with dependence on our Chief Executive Officer and other members' to 'risks associated with dependence on the members' (2026-05-11)
- Changed 'environmental, social and governance goals' to 'environmental, social and governance matters' (2026-05-11)
- Changed 'geopolitical developments and international conflicts, including but not limited to tensions or instability in Eastern Europe, the Middle East, and Asia' to 'geopolitical developments and international conflicts' (2026-05-11)
- Notes:
- The newer filing references the '2025 Annual Report' while the older filing references the '2024 Annual Report', reflecting the normal progression of annual filings
- The text appears to be cut off in both versions, so the complete forward-looking statements section may contain additional content not captured in this comparison
Risk Factors
The two filings could not be meaningfully compared for this section.
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
3 open-market purchases and 0 open-market sales by insiders in the last 90 days.
- Last 30 days3 buys ($431518) · 0 sells — 3 buying insiders
- Last 90 days3 buys ($431518) · 0 sells — 3 buying insiders
- Last 180 days7 buys ($2M) · 0 sells — 4 buying insiders
Cluster buying: 3 different insiders reported open-market purchases (SEC code P) of BCML within a 30-day window between 2026-07-31 and 2026-08-20. Disclosed Form 4 activity, not a prediction of performance or a buy signal.
Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-20. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about BCML's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding BCML as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 1,107,866
- Reported value $32,983,367
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
BCML had 192,576 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
BCML had 1.76% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 3.65 days to cover at the same settlement.
- Reported short interest (shares) 192,576
- Short interest (% of shares outstanding) 1.76%
- Prior settlement (shares) 141,492
- Reported change 36.1%
- Days to cover (reported) 3.65
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- East West Bancorp (EWBC)
- PacWest Bancorp (PACW)
- Cathay General Bancorp (CATY)
- TriCo Bancshares (TCBK)
- Hanmi Financial (HAFC)
- CVB Financial (CVBF)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does BAYCOM CORP (BCML) do?
BayCom Corp is a bank holding company that operates primarily through its wholly-owned subsidiary, United Business Bank. The company provides a comprehensive range of commercial and retail banking services to businesses and individuals across California, Colorado, Nevada, New Mexico, and Washington. Its operations are focused on commercial banking, lending, and deposit services, with a significant emphasis on real estate-secured loans.
What sector is BAYCOM CORP (BCML) in?
BAYCOM CORP (BCML) is classified in the Financials sector. Its industry is regional banks. It trades on NASDAQ.
Does BCML pay a dividend?
Yes — BAYCOM CORP (BCML) pays a dividend, with an indicated yield of about 2.39% and at least 4 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are BAYCOM CORP's (BCML) competitors?
Notable peers of BAYCOM CORP (BCML) include East West Bancorp, PacWest Bancorp, Cathay General Bancorp, TriCo Bancshares and Hanmi Financial. This peer set is informational only — not financial advice.
Is BAYCOM CORP (BCML) overbought or oversold right now?
BAYCOM CORP (BCML) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 37, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on BCML come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.