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BCML

BayCom Corp

Financial Services · $337M market cap

Verdict

Share price

$31.19

close of Oct 3, 2026

Fair value

$26.79

Sticker Price

Payback Price

$10.72

buy price

Overpriced

BCML is Overpriced: at $31.19 it trades 16% above its fair value of $26.79. Its buy price (Payback Price) is $10.72, 66% below today's price. Business quality is solid: 3 of 5 key numbers clear the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

3 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth18.7% a year✓
Equity per share growth6.8% a year✗
Sales growth21.1% a year✓
Free cash flow growth15.8% a year✓
Return on invested capital7.3%✗

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Insider activity

Since Jul 1, 2026: 4 open-market purchases worth $461K and 14 other filings (stock awards, tax withholding and similar). Why purchases matter

Purchases

Laverne Robert G.

director · 2026-08-21

Bought

$30K

Laverne Robert G.

director · 2026-08-20

Bought

$30K

Baron Christopher F

President and CEO · 2026-08-10

Bought

$251K

PERDUE MICHAEL J

director · 2026-07-31

Bought

$151K

Other filings

Curley Mary Therese

EVP and Labor Services Div. · 2026-07-21

Award

15,000 shares

Black William J

Executive Vice Chair · 2026-07-21

Award

75,000 shares

Baron Christopher F

President and CEO · 2026-07-21

Award

52,500 shares

Thompson Kevin L

EVP, Chief Financial Officer · 2026-07-21

Award

25,000 shares

Thompson Kevin L

EVP, Chief Financial Officer · 2026-07-01

Award

532 shares

Show all 14 other filings

Baron Christopher F

President and CEO · 2026-07-01

Award

997 shares

Black William J

Executive Vice Chair · 2026-07-01

Award

997 shares

PERDUE MICHAEL J

director · 2026-07-01

Award

1,182 shares

Amin Bhupen B

director · 2026-07-01

Award

1,182 shares

Chaudhary Harpreet S.

director · 2026-07-01

Award

1,182 shares

Magid Syvia L.

director · 2026-07-01

Award

1,182 shares

Laverne Robert G.

director · 2026-07-01

Award

1,182 shares

Guida Dennis Henry Jr

director · 2026-07-01

Award

1,182 shares

Kendall Lloyd W. Jr.

director · 2026-07-01

Award

1,182 shares

About BayCom Corp

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 provides demand, savings, money market, and time deposit accounts. It also offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans…

Banks - Regional

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works