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BCML

Market Cap: $328.37M

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BayCom Corp

BCML

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By Cashu Finance. Providing market news, analysis, and research for investors worldwide.

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© 2026 Cashu Technologies Pty Ltd. All rights reserved. Cashu Finance is a trademark of Cashu Technologies Pty Ltd.

The content published on Cashu Finance is for informational purposes only and should not be construed as investment advice, a recommendation, or an offer to buy or sell any securities. All opinions expressed are those of the authors and do not reflect the official position of Cashu Technologies Pty Ltd or its affiliates. Past performance is not indicative of future results. Investing involves risk, including the possible loss of principal. Always conduct your own research and consult with a qualified financial advisor before making any investment decisions.

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Financials

Profitability

Gross Profit Margin67.43%

EBITDA Margin15.43%

EBIT Margin13.95%

Pre-tax Margin13.95%

Net Profit Margin9.15%

Earnings Yield3.98%

Valuation Multiples

Price / Book0.98

Price / Sales2.30

Price / Earnings25.08

PEG-0.56

Forward PEG1.53

EV / Sales2.47

EV / EBITDA16.02

EV / Operating Cash Flow12.48

EV / Free Cash Flow13.31

Price / Free Cash Flow12.37

Price / Operating Cash Flow11.60

Cash Flow & Capital

Free Cash Flow / Share$2.43

Operating Cash Flow / Share$2.59

Free Cash Flow Yield8.08%

Capex / Revenue1.23%

Capex / Operating Cash Flow6.22%

Capex / Depreciation-3.04

Stock Compensation / Revenue0.86%

Dividend Payout Ratio87.62%

Dividend Yield3.99%

Liquidity & Leverage

Current Ratio10.96

Quick Ratio10.96

Cash Ratio10.96

Debt / Assets0.02

Debt / Capital0.12

Debt / Equity0.14

Long-Term Debt / Capital0.08

Debt / Market Cap9.41%

Net Debt / EBITDA1.13

Solvency Ratio0.01

Financial Leverage7.69

Efficiency & Working Capital

Asset Turnover0.06

Fixed Asset Turnover5.13

Inventory Turnover0.00

Receivables Turnover17.18

Payables Turnover17.83

Days Sales Outstanding21.24

Days Inventory Outstanding0

Days Payables Outstanding20.48

Operating Cycle21.24

Cash Conversion Cycle0.77

Working Capital Turnover-0.13

Returns & Quality

Return on Equity3.87%

Return on Assets0.51%

Return on Invested Capital0.51%

ROCE0.77%

Return on Tangible Assets0.52%

Operating Return on Assets0.76%

Income Quality11.40

Tax Burden0.66

Interest Burden1.00

Balance Sheet & Intrinsic Metrics

Enterprise Value$353.19M

Invested Capital$87.99M

Working Capital$19.77M

Tangible Asset Value$295.03M

Net Current Asset Value$-2.22B

Graham Number$28.8

Graham Net-Net-$186.45

Book Value / Share$30.74

Tangible Book Value / Share$27.04

Cash / Share$18.74

Financial Health Scores

Piotroski Score8

Altman Z-Score0.27

Revenue$142.93M

EBIT$19.93M

Market Cap$328.37M

Working Capital$19.77M

Retained Earnings$173.57M

Total Assets$2.58B

Total Liabilities$2.24B