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

Company Overview

BayCom Corp is a bank holding company that operates through its banking subsidiary, United Business Bank. The institution provides commercial banking services to businesses, professionals, nonprofit organizations and individuals, with a focus on relationship-based banking and customized financial solutions.

Its products and services generally include business and commercial real estate loans, construction and industrial financing, lines of credit, equipment financing, deposit accounts, treasury management and online banking. The bank also offers consumer banking products such as personal checking and savings accounts, residential real estate lending and other traditional financial services.

The company traces its roots to Bay Commercial Bank, which was established in California and later expanded through acquisitions and the development of additional banking offices. United Business Bank serves customers across several Western states, including California, Washington, Colorado and New Mexico. BayCom Corp is headquartered in Walnut Creek, California.

Key Stats

• Today's Range: $29.95 to $29.95
• 50-Day Range: $29.64 to $34.79
• 52-Week Range: $26.78 to $34.98
• Volume: 3,442 shs
• Average Volume: 49,165 shs
• Market Capitalization: $328.97 million
• P/E Ratio: 25.10
• Dividend Yield: 3.98%
• Price Target: $34.00
• Consensus Rating: Hold

Bay Commercial Bank Stock Analysis - MarketRank™

Bay Commercial Bank scored higher than 84% of companies evaluated by MarketBeat, and ranked 246th out of 836 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: 2.6 / 5
• Analyst Rating: Hold

Consensus Rating

Bay Commercial Bank has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, 1 buy rating, 2 hold ratings, and 1 sell rating.

Upside Potential

Bay Commercial Bank has a consensus price target of $34.00, representing about 14.7% upside from its current price of $29.64.

Amount of Analyst Coverage

Bay Commercial Bank has only been the subject of 2 research reports in the past 90 days.

Earnings and Valuation

• Score: 3.1 / 5
• Proj. Earnings Growth: 14.63%

Earnings Growth

Earnings for Bay Commercial Bank are expected to grow by 14.63% in the coming year, from $2.05 to $2.35 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Bay Commercial Bank is 24.70, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.99.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bay Commercial Bank is 24.70, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.21.

Price to Book Value per Share Ratio

Bay Commercial Bank has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.03% 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 3.4, 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 increased by 1.48%, indicating that investor sentiment is decreasing.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Bay Commercial Bank is a leading dividend payer. It pays a dividend yield of 4.04%, putting its dividend yield in the top 25% of dividend-paying stocks.

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 100.00%. Payout ratios above 75% are not desirable because they may not be sustainable.

Dividend Sustainability

Based on earnings estimates, Bay Commercial Bank will have a dividend payout ratio of 51.06% next year. This indicates that Bay Commercial Bank will be able to sustain or increase its dividend.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 2 news articles for Bay Commercial Bank this week, compared to 2 articles on an average week.

Company Ownership

• Score: 4.4 / 5
• Insider Trading: Acquiring Shares

Cluster Insider Buying

3 insiders have purchased shares of Bay Commercial Bank in the last three months. Multiple insiders buying is a strong bullish signal.

Net Insider Buying

Over the last three months, insiders have purchased a net $431,518.00 in company stock, which represents 0.1333% of the company's market cap.

Insider Buying vs. Insider Selling

In the past three months, Bay Commercial Bank insiders have bought more of their company's stock than they have sold. Specifically, they have bought $431,518.00 in company stock and sold $0.00 in company stock.

Percentage Held by Insiders

2.90% 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.

Company Calendar

• Record date for 7/9 Dividend: 6/11/2026
• Ex-Dividend for 7/9 Dividend: 6/11/2026
• Dividend Payable: 7/09/2026
• Last Earnings: 7/23/2026
• Record date for 10/8 Dividend: 9/10/2026
• Ex-Dividend for 10/8 Dividend: 9/10/2026
• Today: 9/24/2026
• Dividend Payable: 10/08/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:BCML
• CIK: 1730984
• Web: www.unitedbusinessbank.com
• Phone: (925) 476-1800
• Fax: N/A
• Employees: 327
• Year Founded: 2000

Price Target and Rating

• Average Price Target for Bay Commercial Bank: $34.00
• High Price Target: $34.00
• Low Price Target: $34.00
• Potential Upside/Downside: +14.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.20
• Trailing P/E Ratio: 24.70
• Forward P/E Ratio: 14.46
• P/E Growth: N/A
• Net Income: $23.93 million
• Net Margins: 9.20%
• Pretax Margin: 14.01%
• Return on Equity: 6.98%
• Return on Assets: 0.90%

Debt

• Debt-to-Equity Ratio: 0.09
• Current Ratio: 1.04
• Quick Ratio: 1.04

Sales & Book Value

• Annual Sales: $104.88 million
• Price / Sales: 3.09
• Cash Flow: $2.46 per share
• Price / Cash Flow: 12.05
• Book Value: $31.07 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 10,920,000
• Free Float: 10,603,000
• Market Cap: $323.67 million
• Optionable: Optionable
• Beta: 0.28