Baycom Stock Price, News & Analysis
Company Description
BayCom Corp (NASDAQ: BCML) is a bank holding company for United Business Bank. It operates in the commercial banking industry within the broader finance and insurance sector. According to company disclosures and regulatory filings, BayCom focuses on providing banking services through United Business Bank to businesses, business owners, and individual consumers.
The company states that United Business Bank offers deposit products, personal accounts, loans, online banking, cash management, and business savings services. BayCom targets its services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor unions, related nonprofit entities, and individual consumers. Through these activities, BayCom participates in traditional commercial banking by gathering deposits and extending credit.
BayCom Corp is incorporated in California, as indicated in its SEC filings, and is identified under Commission File Number 001-38483 and IRS Employer Identification Number 37-1849111. The company’s filings list Walnut Creek, California as its location, reflecting its base of corporate operations. As the parent of United Business Bank, BayCom’s financial performance is closely tied to the bank’s lending, deposit, and investment activities.
Business focus and customer segments
BayCom’s stated strategy centers on serving small and medium-sized businesses and related organizations, along with individual consumers. The company highlights relationships with professional firms, real estate professionals, nonprofit entities, labor unions, and related nonprofit organizations. These customer groups use United Business Bank for deposit accounts, lending, and other banking services described by the company.
The bank’s product set, as described in available information, includes deposit products and personal accounts for individuals, along with loans and business savings services for commercial clients. Online banking and cash management services are also part of its offering, supporting both business and consumer customers in managing funds and transactions.
Financial performance characteristics
BayCom’s earnings releases, furnished via Form 8-K, show that the company reports net interest income, noninterest income, provision for credit losses, and other standard commercial banking metrics. For example, in its earnings releases for quarters in 2024 and 2025, BayCom discusses net interest margin, return on average assets, loan balances, deposit balances, nonperforming loans, and the allowance for credit losses on loans. These disclosures indicate that the company’s results are influenced by loan growth, deposit mix, funding costs, and credit loss provisions.
The company’s reported performance highlights include information on annualized net interest margin, the level of nonperforming loans as a percentage of total loans, and the allowance for credit losses as a percentage of total loans. BayCom also reports on interest income from loans, investment securities, and interest-bearing balances in banks, as well as interest expense on deposits and subordinated debt. These elements together describe how BayCom’s banking operations generate earnings and manage risk over time.
Capital, dividends, and share repurchases
United Business Bank is described in multiple earnings releases as a “well-capitalized” institution for regulatory capital purposes at various reporting dates. BayCom’s SEC filings and press releases also note that the company’s Board of Directors has declared recurring quarterly cash dividends on its common stock. For example, Form 8-K filings dated August 21, 2025 and November 20, 2025 report declared quarterly cash dividends per share, with specified record and payment dates.
In addition, BayCom’s earnings releases describe share repurchase activity, including the number of common shares repurchased and the average cost per share during several quarters in 2024 and 2025. These disclosures indicate that the company uses dividends and share repurchases as capital management tools, subject to its financial performance and regulatory considerations.
Funding, loans, and asset mix
BayCom’s quarterly earnings releases detail its loan portfolio and funding base. The company reports total loans (net of deferred fees), total deposits, and the proportion of noninterest-bearing deposits to total deposits at various quarter-end dates. It also provides information on nonperforming loans and the allowance for credit losses on loans, expressed both in dollar terms and as a percentage of total loans.
The company discloses interest income on loans, including fees, investment securities, and federal funds sold and interest-bearing balances in banks. It also reports interest expense on deposits and subordinated debt. These disclosures show how BayCom’s asset mix—loans, investment securities, and interest-bearing balances in banks—interacts with its funding structure, primarily deposits, to drive net interest income and net interest margin.
Regulatory and shareholder matters
BayCom files periodic and current reports with the U.S. Securities and Exchange Commission. Recent Form 8-K filings include earnings releases, dividend declarations, and other events such as the planned redemption of subordinated notes. A Form 8-K dated August 15, 2025 describes the company’s notice to redeem all of its outstanding 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030, specifying the aggregate principal amount, redemption date, and that the redemption payment will be made using cash on hand.
Another Form 8-K dated June 20, 2025 summarizes the results of BayCom’s 2025 Annual Meeting of Shareholders, including the election of directors, an advisory vote on executive compensation, and ratification of the independent registered public accounting firm. These filings illustrate BayCom’s ongoing corporate governance and shareholder engagement practices.
Stock information
BayCom Corp’s common stock trades on the NASDAQ under the ticker symbol BCML, as stated in its press releases and SEC filings. The company’s announcements about cash dividends, share repurchases, and quarterly earnings are relevant to investors and analysts who follow BCML stock as part of the commercial banking and financial services sector.
Summary
In summary, BayCom Corp is a California-incorporated bank holding company for United Business Bank, operating in the commercial banking industry. It focuses on serving small and medium-sized businesses, professional firms, real estate professionals, nonprofit organizations, labor unions, related entities, and individual consumers. Through deposit products, personal accounts, loans, online banking, cash management, and business savings services, BayCom participates in traditional banking activities and reports its financial and regulatory information through regular SEC filings and public earnings releases.
Stock Performance
Baycom (BCML) stock last traded at $29.81. Over the past 12 months, the stock has gained 15.6%. At a market capitalization of $322.9M, BCML is classified as a small-cap stock with approximately 10.9M shares outstanding.
Latest News
Baycom has 10 recent news articles. Of the recent coverage, 5 articles coincided with positive price movement and 5 with negative movement. Key topics include dividends, earnings. View all BCML news →
SEC Filings
Baycom has filed 5 recent SEC filings, including 2 Form SCHEDULE 13G/A, 1 Form 4, 1 Form 10-K, 1 Form 8-K. The most recent filing was submitted on March 26, 2026. SEC filings provide transparency into a company's financial condition, material events, and regulatory compliance. View all BCML SEC filings →
Financial Highlights
Baycom generated $135.4M in revenue over the trailing twelve months, and net income was $23.9M, reflecting a 17.7% net profit margin. Diluted earnings per share stood at $2.18. The company generated $31.8M in operating cash flow.
Upcoming Events
Dividend payable
Baycom has 1 upcoming scheduled event. The next event, "Dividend payable", is scheduled for April 9, 2026 (in 6 days). 1 of the upcoming events are financial in nature, such as earnings calls or quarterly results. Investors can track these dates to stay informed about potential catalysts that may affect the BCML stock price.
Short Interest History
Short interest in Baycom (BCML) currently stands at 97.2 thousand shares, up 0.2% from the previous reporting period, representing 1.0% of the float. Over the past 12 months, short interest has increased by 26.8%. This relatively low short interest suggests limited bearish sentiment.
Days to Cover History
Days to cover for Baycom (BCML) currently stands at 3.6 days, up 15.6% from the previous period. This days-to-cover ratio represents a balanced liquidity scenario for short positions. The days to cover has increased 48.6% over the past year, indicating either rising short interest or declining trading volume. The ratio has shown significant volatility over the period, ranging from 2.0 to 6.6 days.
BCML Company Profile & Sector Positioning
Baycom (BCML) operates in the Banks - Regional industry within the broader State Commercial Banks sector and is listed on the NASDAQ.
Investors comparing BCML often look at related companies in the same sector, including Plumas (PLBC), Pcb Bancorp (PCB), Orange Cnty Bancorp Inc (OBT), Bankwell Financi (BWFG), and Fs Bancorp Inc (FSBW). Comparing financial metrics, valuation ratios, and stock performance across these peers can help investors evaluate BCML's relative position within its industry.