BCML · BayCom Corp
$30.43
-0.67 (-2.15%)
At close · Aug 19
Market Cap
$339.62M
Shares
10.92M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$30.43
Open$31.36
Day$30.37–31.55
52W close$27.14–34.79
Avg vol 30d53K
Short int193K · 1.8% float · 3.7d
Short vol31%
DataJan 2020–Aug 2026
Filing10-Q · Aug 10
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 10, 2026
Equibles Rating
blended score · not investment adviceOverall
Buy
SellHoldBuy
Technical
Neutral
Momentum
Weak
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+1%
above
Price vs 50-day avg
−5%
below
RSI (14)
40
neutral
MACD trend
Positive
52-week position
43%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
−9%
trailing
6-month return
+1%
trailing
YTD return
+4%
this year
Relative strength
−10%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $32 › 200d $30 — 50d above 200d
Institutional flow
Accumulating
+15% holders QoQ · +22 funds added
Insider flow
Accumulating
Net +$556.3K over 90 days · 0% sells
Short interest
Rising
1.76% of float · ▲ +36.1% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
117 holders — near 3-yr high, broad support
Squeeze score
48
elevated · 0–100
Fundamentals
EPS growth
+4%
Y/Y
Free cash flow
$30.1M
Valuation
P/E 25.9
rich
Balance sheet
$295.4M
net cash
Quant / Vol
risk profile
Volatility
28%
annualized · 1-yr
Max drawdown
−14%
past year
ATR
2.8%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+1%
Bullish
Price vs 50-day avg
−5%
Bearish
RSI (14)
40
Neutral
MACD trend
Positive
Bullish
52-week position
43%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $32 › 200d $30 — 50d above 200d
Institutional flow
Accumulating
+15% holders QoQ · +22 funds added
Insider flow
Accumulating
Net +$556.3K over 90 days · 0% sells
Short interest
Rising
1.76% of float · ▲ +36.1% MoM · 3.7 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
117 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $27
Now $30 · 43%
Range high $35
vs 200-day avg +1%
vs 50-day avg -5%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance for credit losses for loans as % of total loans | 1.11% | June 30, 2026 | — |
| Annualized net interest margin | 3.95% | second quarter of 2026 | — |
|
|
|||
| Average balance of deposits | $2.2B | second quarter of 2026 | — |
| Average balance of loans | $2B | second quarter of 2026 | — |
| Average cost of deposits decreased to | 1.56% | second quarter of 2026 | — |
| Average yield on loans | 5.6% | second quarter of 2026 | — |
| Charge-offs, net | $2.85M | three months ended June 30, 2026 | — |
| Classified assets (graded substandard and doubtful) | $35.6M | three months ended June 30, 2026 | — |
| Common Equity Tier 1 ratio | 13.76% | second quarter of 2026 | — |
| Efficiency ratio | 107.71% | three months ended June 30, 2026 | — |
| Loan to deposit ratio | 95.64% | three months ended June 30, 2026 | — |
| Net charge-offs | $2.8M | the second quarter of 2026 | — |
| Net interest margin | 3.95% | three months ended June 30, 2026 | — |
| Nonperforming assets to total assets | 0.38% | three months ended June 30, 2026 | — |
| Nonperforming loans | 0.47% | second quarter of 2026 | — |
|
|
|||
| Nonperforming loans decreased to | $9.8M | second quarter of 2026 | — |
| Nonperforming loans to total loans | 0.47% | three months ended June 30, 2026 | — |
| Number of full-service offices | 34 | three months ended June 30, 2026 | — |
| Number of full-time equivalent employees | 329 | three months ended June 30, 2026 | — |
| Return on average tangible common equity non-GAAP | -9.1% | three months ended June 30, 2026 | — |
| Tangible book value per share non-GAAP | $27.04 | three months ended June 30, 2026 | — |
| Tangible Common Equity ratio non-GAAP | 11.62% | second quarter of 2026 | — |
| Tier 1 leverage ratio — Bank | 11.66% | three months ended June 30, 2026 | — |
| Total Capital ratio | 14.87% | second quarter of 2026 | — |
| Total loans increased | $64M | second quarter of 2026 | — |
| Allowance for credit losses for loans | $20.6M | Q1 2026 | — |
| Allowance for credit losses for loans as % of total loans outstanding | 1.02% | Q1 2026 | — |
| Annualized return on average assets | 1.25% | Q1 2026 | — |
| Noninterest-bearing deposits | $609.2M | Q1 2026 | — |
| Noninterest-bearing deposits as % of total deposits | 26.9% | Q1 2026 | — |
| Nonperforming loans as % of total loans | 0.83% | Q1 2026 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BCML
this stock
BayCom Corp
|
$339.62M | +3.5% | — | 25.9 | 1.8% |
|
MFG
Mizuho Financial Group Inc
|
$131.93B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.11B | +18.1% | +7.2% | 14.0 | 1.8% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BCML | -2.4% | -8.6% | +1.3% | +0.8% | +3.5% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.0% | -11.5% | -10.3% | -2.1% | -9.3% |
Capital returns
Latest dividend
$0.30
/ share · ex Jun 11, 2026
Paid (TTM)
$1.15
/ share · 4 payouts
Dividend yield (TTM, derived)
3.78%
Buyback program
· as of Dec 31, 2025
Authorized
shares 560,000
Spent (derived)
shares 357,556
Remaining
shares 202,444
Spent
Remaining
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.