Bay Commercial Bank (BCML) Stock Price, News & Analysis

Company Overview

Bay Commercial Bank is a bank holding company that offers a full suite of commercial and consumer banking services through its subsidiary, Bay Commercial Bank. The institution emphasizes relationship-driven banking, focusing on the needs of small and medium-sized businesses, professionals, and individual customers.

The bank’s lending portfolio encompasses commercial real estate, construction and development financing, equipment loans, acquisition financing, and consumer credit products such as residential mortgages and personal lines of credit. On the deposit side, Bay Commercial Bank provides checking, savings, money market, and certificate accounts, supported by treasury management services, merchant processing solutions, and digital platforms for online and mobile banking.

Operating a network of branches across its regional footprint, Bay Commercial Bank prioritizes local decision-making and community involvement. The bank’s approach combines personalized service with expertise in regional markets to foster economic growth and long-term relationships with its clients.

Key Stats

• Today's Range: $29.62 to $30.92
• 50-Day Range: $26.75 to $30.56
• 52-Week Range: $22.22 to $30.92
• Volume: 25,089 shs
• Average Volume: 23,913 shs
• Market Capitalization: $325.07 million
• P/E Ratio: 13.70
• Dividend Yield: 3.36%
• Price Target: $31.50
• Consensus Rating: Moderate Buy

Bay Commercial Bank Stock Analysis - MarketRank™

Bay Commercial Bank scored higher than 80% of companies evaluated by MarketBeat, and ranked 326th out of 951 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.7 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

Bay Commercial Bank has received a consensus rating of Moderate Buy. The company's average rating score is 2.50, and is based on 1 buy rating, 1 hold rating, and no sell ratings.

Upside/Downside

The consensus price target for Bay Commercial Bank is close to its current price, suggesting limited near-term upside or downside.

Amount of Analyst Coverage

Bay Commercial Bank has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 2.02%

Earnings Growth

Earnings for Bay Commercial Bank are expected to grow by 2.02% in the coming year, from $2.48 to $2.53 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bay Commercial Bank is 13.95, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.62.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bay Commercial Bank is 13.95, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 244.66.

Price to Book Value per Share Ratio

Bay Commercial Bank has a P/B Ratio of 1.04. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.77% of the float of Bay Commercial Bank has been sold short.

Short Interest Ratio / Days to Cover

Bay Commercial Bank has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bay Commercial Bank has recently decreased by 10.28%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Bay Commercial Bank pays a meaningful dividend of 3.36%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Bay Commercial Bank has only been increasing its dividend for 3 years.

Dividend Coverage

The dividend payout ratio of Bay Commercial Bank is 45.87%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Bay Commercial Bank will have a dividend payout ratio of 39.53% next year. This indicates that Bay Commercial Bank will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.72

Percentage of Shares Shorted

0.77% of the float of Bay Commercial Bank has been sold short.

Short Interest Ratio / Days to Cover

Bay Commercial Bank has a short interest ratio ("days to cover") of 3.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Bay Commercial Bank has recently decreased by 10.28%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.0 / 5
• News Sentiment: 0.63

News Sentiment

Bay Commercial Bank has a news sentiment score of 0.63. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.02 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 3 news articles for Bay Commercial Bank this week, compared to 1 article on an average week.

Company Ownership

• Score: 1.7 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Bay Commercial Bank insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 7.20% of the stock of Bay Commercial Bank is held by insiders.

Percentage Held by Institutions

66.16% of the stock of Bay Commercial Bank is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

BCML Stock Analysis - Frequently Asked Questions

How have BCML shares performed this year?

Bay Commercial Bank's stock was trading at $26.84 at the start of the year. Since then, BCML shares have increased by 13.4% and is now trading at $30.4450.

How were Bay Commercial Bank's earnings last quarter?

Bay Commercial Bank (NASDAQ:BCML) issued its quarterly earnings data on Thursday, July, 17th. The company reported $0.58 EPS for the quarter, beating analysts' consensus estimates of $0.55 by $0.03. The business had revenue of $24.67 million for the quarter, compared to analyst estimates of $23.53 million. Bay Commercial Bank had a trailing twelve-month return on equity of 7.41% and a net margin of 17.36%.

When did Bay Commercial Bank IPO?

Bay Commercial Bank (BCML) raised $51 million in an initial public offering on Friday, May 4th 2018. The company issued 2,300,000 shares at a price of $21.00-$23.00 per share. FIG Partners and D.A. Davidson served as the underwriters for the IPO.

Who are Bay Commercial Bank's major shareholders?

Top institutional investors of Bay Commercial Bank include Alliancebernstein L.P. (4.13%), The Manufacturers Life Insurance Company (3.72%), Geode Capital Management LLC (2.18%) and Acadian Asset Management LLC (1.91%). Insiders that own company stock include Robert G Laverne and George J Guarini.
View institutional ownership trends.

How do I buy shares of Bay Commercial Bank?

Shares of BCML stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Bay Commercial Bank own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Bay Commercial Bank investors own include NVIDIA (NVDA), Meta Platforms (META), Broadcom (AVGO), Advanced Micro Devices (AMD), ServiceNow (NOW), Adobe (ADBE) and Arista Networks (ANET).

Company Calendar

• Record date for 7/10 Dividend: 6/12/2025
• Ex-Dividend for 7/10 Dividend: 6/12/2025
• Dividend Payable: 7/10/2025
• Last Earnings: 7/17/2025
• Record date for 10/9 Dividend: 9/11/2025
• Ex-Dividend for 10/9 Dividend: 9/11/2025
• Today: 9/17/2025
• Dividend Payable: 10/09/2025
• Next Earnings (Estimated): 10/16/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Banking
• Current Symbol: NASDAQ:BCML
• CIK: 1730984
• Web: www.baycommercialbank.com
• Phone: (925) 476-1800
• Fax: N/A
• Employees: 370
• Year Founded: N/A

Price Target and Rating

• Average Price Target for Bay Commercial Bank: $31.50
• High Price Target: $32.00
• Low Price Target: $31.00
• Potential Upside/Downside: +3.5%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.50
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $2.18
• Trailing P/E Ratio: 13.95
• Forward P/E Ratio: 12.28
• P/E Growth: N/A
• Net Income: $23.61 million
• Net Margins: 17.36%
• Pretax Margin: 23.51%
• Return on Equity: 7.41%
• Return on Assets: 0.93%

Debt

• Debt-to-Equity Ratio: 0.22
• Current Ratio: 1.05
• Quick Ratio: 1.05

Sales & Book Value

• Annual Sales: $138.09 million
• Price / Sales: 2.41
• Cash Flow: $2.47 per share
• Price / Cash Flow: 12.31
• Book Value: $29.17 per share
• Price / Book: 1.04

Miscellaneous

• Outstanding Shares: 10,920,000
• Free Float: 10,137,000
• Market Cap: $332.46 million
• Optionable: Optionable
• Beta: 0.58