BCML
BayCom CorpFinancial Services·Banks - Regional
$30.80
$336M market cap
Revenue
$71.7M
Free Cash Flow
$15.2M
Rev Growth
+0.0%
FCF Margin
21.2%
P/FCF
22.1x
EV/FCF
22.2x
Fwd EV/EBITDA
--
Fair Value
--
Upside
--
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 admi
2-Year Price History
$31.01+68.9%
Quarterly Financials & Projections
Quarterly Waterfall ($ M)
| Period | Rev | EBITDA | OpIn | NI | OCF | FCF | CapEx | Cash | Debt | Shares | ROIC | IntCov | EV/EBITDA | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Act | 2026-Q1 | 36.1 | 10.9 | 10.9 | 8.2 | 6.9 | 6.6 | -0.3 | 18.6 | 20.4 | 10.9 | 24.4% | 1.2x | -- |
| Act | 2025-Q4 | 35.6 | 9.3 | 9.5 | 6.9 | 8.8 | 8.7 | -0.3 | 206.5 | 22.4 | 10.9 | 20.7% | 1.0x | -- |
Valuation & Metrics
Market Stats
Price$30.80
Market Cap$336M
Enterprise Value$338M
P/S Ratio4.7x
P/FCF22.1x
EV/FCF22.2x
FCF Margin (TTM)21.2%
FCF Yield4.5%
Dividend Yield (TTM)4.4%
Annual Dilution0.0%
CurrencyUSD
TTM Financial Snapshot
Revenue$71.7M
Net Income$15.0M
Free Cash Flow$15.2M
Revenue Growth (YoY)+0.0%
EBITDA Margin28.1%
Net Margin21.0%
FCF Margin21.2%
CapEx % of Revenue0.8%
SBC % of Revenue0.2%
ROIC22.6%
WC Change % Rev-0.3%
Interest Coverage1.1x
Forward Outlook & Risk
Short Interest
Short % of Float--
Short Shares0.1M
Days to Cover2.5
Change (vs Prior)-6.0%
Need at least 2 settlement dates for chart
Employees
Headcount320
Revenue / Employee$223,900
Gross Profit / Employee$166,809
Institutional Ownership
Headline & net flow
NEUTRAL
Net flow · —still filing
No float data — flow unavailable.
Ownership composition
Active
37.5%(+7.0% YoY)
90 filers
hedge / family / endowment
Retail funds
—
Fidelity, Schwab, 401(k)
Passive
23.3%(+4.1% YoY)
9 filers
Vanguard, iShares, SPDR
Market makers
0.0%(-0.3% YoY)
2 filers
Citadel, Susquehanna
Insiders
—
Form 4 — latest per insider
ActiveRetail fundsPassiveMarket makersRetail direct
Top holders
| Fund | $ value | Cost basis | Δ QoQ | Δ YoY | α life | Fund AUM |
|---|---|---|---|---|---|---|
| WELLINGTON MANAGEMENT GROUP LLP | $30.3M | $22.42 | −$1.2M | +$3.7M | -0.3% | $533.98B |
| BlackRock, Inc.Passive | $25.2M | $22.70 | −$910K | −$2.6M | -0.2% | $5.69T |
| ROYCE & ASSOCIATES LP | $21.5M | $25.01 | +$2.0M | +$4.5M | -0.9% | $10.09B |
| DIMENSIONAL FUND ADVISORS LPPassive | $18.4M | $18.34 | −$14K | −$19K | -0.4% | $480.92B |
| VANGUARD CAPITAL MANAGEMENT LLCPassive | $16.0M | $29.73 | +$16.0M | +$16.0M | — | $4.04T |
| ALLIANCEBERNSTEIN L.P. | $13.9M | $22.28 | +$125K | +$1.0M | -0.3% | $307.70B |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $11.0M | $24.28 | −$873K | −$1.3M | -0.2% | $113.45B |
| GEODE CAPITAL MANAGEMENT, LLCPassive | $7.5M | $19.87 | +$257K | +$408K | +2.3% | $1.61T |
| ACADIAN ASSET MANAGEMENT LLC | $6.0M | $18.43 | +$0 | −$352K | -0.5% | $70.48B |
| STATE STREET CORPPassive | $5.7M | $20.25 | +$414K | +$818K | -0.2% | $2.89T |
| HOTCHKIS & WILEY CAPITAL MANAGEMENT LLC | $3.6M | $16.72 | −$36K | −$176K | -0.1% | $31.89B |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3.1M | $18.26 | +$373K | +$328K | -2.3% | $4.93B |
| AMERICAN CENTURY COMPANIES INC | $3.1M | $20.45 | +$6K | +$421K | +0.7% | $193.48B |
| GOLDMAN SACHS GROUP INC | $2.9M | $18.55 | +$318K | −$325K | -0.2% | $760.93B |
| FIRST MANHATTAN CO | $2.8M | $17.20 | +$0 | +$0 | -0.2% | $36.06B |
| LSV ASSET MANAGEMENT | $2.5M | $24.11 | −$74K | +$586K | +0.0% | $46.40B |
| NORTHERN TRUST CORPPassive | $2.5M | $19.92 | +$163K | −$141K | -0.2% | $755.34B |
| HPM Partners LLC | $2.5M | $15.54 | −$0 | +$3K | -0.1% | $70.24B |
| CALDWELL SUTTER CAPITAL, INC. | $2.4M | $17.56 | +$0 | −$78K | -1.4% | $246M |
| VANGUARD FIDUCIARY TRUST COPassive | $2.0M | $29.73 | +$2.0M | +$2.0M | — | $395.83B |
Cost basis is a volume-weighted estimate from accumulation periods within our 13F history; holders who built their position before our window started will show a stale basis. % above the cost basis is the unrealized gain at the current price.
Trading behavior
Smart-money alpha (lifetime, %/qtr)BEARISH
Holders
-0.37%
avg per quarter
Holders (ex-self)
-0.37%
excl. this stock
Buyers (this Q)
-0.79%
43 buyers · $0.03B in
Sellers (this Q)
-0.19%
37 sellers · $0.01B out
alpha coverage: 90% of $ has a lifetime-alpha record
Holder behavior on this stocksource: stock
On big dips (−10%+)
-6.6%
how holders react when this stock falls
On quiet Qs
+0.3%
−10% to +10% baseline
On rallies (+10%+)
-18.3%
how they react when this stock rises
Holders' portfolio flow this Q
+1.5%
inflows — adds are organic
Sellers' portfolio flow this Q
+6.6%
Sellers grew AUM elsewhere — opinionated cut of this stock.
▸ Compare to holder-profile behavior (across all their stocks)
Holder dip (any stock)
-4.1%
Holder mid (any stock)
-3.2%
Holder rally (any stock)
-4.7%
Biggest decreases this quarter
WELLINGTON MANAGEMENT GROUP LLP−$1.2Mα-0.3BlackRock, Inc.−$910Kα-0.2MANUFACTURERS LIFE INSURANCE COMPANY, THE−$873Kα-0.2JANE STREET GROUP, LLCexited−$322KPANAGORA ASSET MANAGEMENT INCexited−$307KRENAISSANCE TECHNOLOGIES LLC−$149Kα+1.2Rockefeller Capital Management L.P.exited−$94KBank of New York Mellon Corp−$87Kα-0.2LSV ASSET MANAGEMENT−$74Kα+0.0Kestra Advisory Services, LLCexited−$57K
New buyers this quarter
Top-5 holders · 53.8%
WELLINGTON MANAGEMENT GROUP LLP--
BlackRock, Inc.--
ROYCE & ASSOCIATES LP--
DIMENSIONAL FUND ADVISORS LP--
VANGUARD CAPITAL MANAGEMENT LLC--
Top Holders Over Time
5-year share-count history (top 10 holders by peak, incl. exited) + price
hover the chart for per-quarter detailprice (right axis)
WELLINGTON MANAGEMENT GROUP LLP1.0MROYCE & ASSOCIATES LP722KBASSWOOD CAPITAL MANAGEMENT, L.L.C.—MANUFACTURERS LIFE INSURANCE COMPANY, THE369KALLIANCEBERNSTEIN L.P.474KEJF Capital LLC—FJ Capital Management LLC—ACADIAN ASSET MANAGEMENT LLC202KUBS Group AG7KAtegra Capital Management, LLC—
Analyst Coverage
Analyst Coverage
Price Targets
Last Year (1 analysts)$34.001040.0%
Current Price$30.80
Analyst Ratings
5
Buy: 5Consensus: Buy
Corporate
Insider Trading (last 12mo)
Open-market only (Form 4 P-Purchase + S-Sale). Excludes grants, option exercises, tax withholding, gifts.
Officers & directors
Buys ($, 12mo)
$998K
2 txns · 1 insider · 33,082 sh
Sells ($, 12mo)
$0
0 txns · 0 insiders · 0 sh
Recent transactions
| Date | Side | Insider | Title | Shares | Price | Dollars | Owned $ |
|---|---|---|---|---|---|---|---|
| 2026-05-06 | BUY | Black William J | director, officer: Executive Vice Chair | 26,549 | $30.22 | $802K | $1000K |
| 2026-05-05 | BUY | Black William J | director, officer: Executive Vice Chair | 6,533 | $29.99 | $196K | $196K |
Order Flow (FINRA, ~3w lag)
10.1%retail+2.0pp
26.9%dark+1.9pp
week of 2026-04-13
Off-exchange volume from FINRA. Retail = non-ATS (wholesaler PFOF + broker internalization). Dark = ATS (dark-pool crossing networks, institutional). Lit-exchange = remainder.
Filing Risk Analysis
Filing Risk Scores
BayCom Corp: Routine Administrative Metadata Lacks Material Forensic Red Flags
Overall Risk
3/10
Fraud
2/10
Dilution
2/10
Insolvency
2/10
Earnings Overstated
3/10
Hidden Liabilities
2/10
Legal
2/10
Audit Warnings
1/10
Hidden Upside
1/10
Contextually Acceptable
10/10