profit from every $100 of sales.
$0$100
BayCom
$31.04-0.67% today
+10.9% in 1 year
1-year low $27.331-year high $34.79
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $14.16 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What BayCom sold, what it kept, and what it did with the cash.
Sales went from $101 million in 2022 to $101 million in 2025, with $23.9 million of profit last year.
SalesProfit
BayCom handed back 45% of the cash it generated last year.
Buybacks $7M$7M
Free cash flow 2025$30M
Bought back its own shares$7M
Paid as dividends$7M
Cash vs. debt$27M vs. $22M
BayCom vs. similar companies
BayCom grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| BayCom | 14.2× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads BayCom's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 101 | 104 | 97 | 101 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 24 | 27 | 24 | 24 | |
| 2.06 | 2.27 | 2.10 | 2.18 | |
| – | – | – | – | |
| – | – | – | – | |
| 23.5% | 26.3% | 24.3% | 23.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 2,513 | 2,552 | 2,665 | 2,594 |
| Cash | 29 | 19 | 23 | 27 |
| Total debt | 89 | 87 | 87 | 22 |
| Total liabilities | 2,196 | 2,239 | 2,340 | 2,255 |
| 317 | 313 | 324 | 339 | |
| 13 | 12 | 11 | 11 | |
| – | – | – | – | |
| 7.5% | 8.8% | 7.3% | 7.1% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 40 | 31 | 30 | 32 | |
| 1 | 2 | 2 | 2 | |
| 39 | 29 | 29 | 30 | |
| Dividends paid | 2 | 4 | 3 | 7 |
| 18 | 24 | 9 | 7 | |
| 1 | 1 | 1 | 1 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.2×
- 11.4×
- 7.43
- 1.0×
- 3.3×
- 7.1%
- 3.4%
Profitability
- 23.6%
- 1.0%
- 6.2%
- 7.8%
- 1.0%
Growth
- +0.2%
- +1.9%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 827
Top 42%of 709
Bottom 48%of 876
Bottom 21%of 879
Top 32%of 926
What analysts expect
- Average price target
- $34.00
- Range
- $34.00 – $34.00
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 0.75 | 0.62 | +21.0% |
| Jan 22, 2026 | 0.63 | 0.65 | −3.1% |
| Oct 23, 2025 | 0.46 | 0.52 | −11.5% |
| Jul 17, 2025 | 0.58 | 0.55 | +5.5% |
| Apr 17, 2025 | 0.51 | 0.52 | −1.9% |
| Mar 14, 2025 | 0.55 | – | – |
| Oct 17, 2024 | 0.54 | 0.51 | +5.9% |
| Jul 18, 2024 | 0.50 | 0.48 | +4.2% |
3.4%of the share price, paid each year
On $1,000 invested$34a year at today's yield, before tax
–per share
Raised3 yearsin a row, in our data
Paid per share, each year
$0.20 in 2022 → $0.90 in 2025
How safe it looks
27.6% of its profit
Room to growStretchedMore than it earns: 21.9%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
65Pass
Benjamin Graham
73Pass
Philip Fisher
63Pass
Peter Lynch
22No pass
Joel Greenblatt
16No pass
Charlie Munger
58No pass
Terry Smith
53No pass
Questions about BayCom
Is BayCom a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the BayCom AI analysis
What does BayCom do?
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 is in Banks - Regional.
Does BayCom pay a dividend?
Yes. At today's price the dividend is 3.4% a year, about 28% of its yearly profit. In 2025 it paid out $6.60 million in dividends.
Is BayCom stock halal?
No. BayCom does not pass our halal screen: its main business, banking, is not permitted. How we check
How has BayCom stock done over the past year?
Up 10.9% over the past twelve months, to $31.04. It traded between $27.33 and $34.79 and is 10.8% below its high.
Who are BayCom's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with BayCom's.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.