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: $30.41 to $30.80
• 50-Day Range: $29.83 to $34.79
• 52-Week Range: $26.78 to $34.98
• Volume: 27,208 shs
• Average Volume: 58,356 shs
• Market Capitalization: $332.19 million
• P/E Ratio: 25.35
• Dividend Yield: 3.94%
• Price Target: $34.00
• Consensus Rating: Hold

Bay Commercial Bank Stock Analysis - MarketRank™

Bay Commercial Bank scored higher than 89% of companies evaluated by MarketBeat, and ranked 260th out of 838 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: 2.3 / 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 11.8% upside from its current price of $30.42.

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 25.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of Bay Commercial Bank is 25.35, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 26.10.

Price to Book Value per Share Ratio

Bay Commercial Bank has a P/B Ratio of 0.99. 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

2.00% 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 3.96, 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 10.02%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Leadership

Bay Commercial Bank is a leading dividend payer. It pays a dividend yield of 3.95%, 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: N/A
• News Sentiment: N/A

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 0.1299% 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
• Today: 9/03/2026
• Record date for 10/8 Dividend: 9/10/2026
• Ex-Dividend for 10/8 Dividend: 9/10/2026
• 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.baycommercialbank.com
• Phone: (925) 476-1800
• Fax: N/A
• Employees: 370
• 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: +11.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 4 Analysts

Profitability

• EPS (Trailing Twelve Months): $1.20
• Trailing P/E Ratio: 25.35
• Forward P/E Ratio: 14.84
• 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: $141.48 million
• Price / Sales: 2.35
• Cash Flow: $2.48 per share
• Price / Cash Flow: 12.25
• Book Value: $30.71 per share
• Price / Book: 0.99

Miscellaneous

• Outstanding Shares: 10,920,000
• Free Float: 10,603,000
• Market Cap: $332.19 million
• Optionable: Optionable
• Beta: 0.28