BayCom Corp
BCMLFinancial ServicesNASDAQBanks - Regional · Last scanned Jun 3, 2026
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Daily timeframeBayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company carries a $340.4M market cap, placing it firmly in the small-cap category. The company provides demand, savings, money market, and time deposit accounts.
Market Cap
$340.4M
Beta
0.28
P/E (TTM)
12.89
P/E (Fwd)
11.10
EPS (TTM)
$2.42
EPS (Fwd)
$2.81
ROE
7.8%
ROA
1.0%
Cash
$305.9M
Total Debt
$20.4M
Free CF
—
52W Change
18.1%
Annual Financials
Cash vs Debt
The balance sheet looks solid with $305.9M in cash comfortably exceeding the $20.4M debt load. A net cash position generally provides financial flexibility during uncertain economic periods. Return on equity stands at 7.8%, which is modest for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 1.0% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $100.9M (2022) to $101.4M (2025).
BCML's low beta indicates it tends to be less volatile than the broader market, which may suit investors seeking more stable price behavior. The strong cash position relative to debt provides a financial cushion that reduces balance sheet risk. Understanding these risk dimensions helps frame what to watch going forward as conditions evolve for BayCom Corp and its sector.