BayCom Corp (BCML) carries a Roarable Rating of C+ (Hold) with 68/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
FRED Regime × Technicals: 49% of 52W Range • RSI-14 at 50.1 (NEUTRAL RANGE)
SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)
Put hedging (50% put share) caps near-term gamma upside (-9 pts vs max)
Even with a 68/100 (C+) score, BCML faces multiple-compression risk if 14.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($30.50) or 200D SMA ($30.56) invalidates the momentum regime and cuts Target Base ($32.21) toward Bear Floor ($25.12).
BayCom Corp (BCML) advanced +0.95% to $30.82, trading at 49% of its 52-week range ($26.82 – $34.98). Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
BayCom came into this Q3 2026 report carrying a rich banking valuation and a reputation for disciplined credit, only to see the stock drop about 4.6% on the first trading day after the release. That selloff tells one sto
U.S. stock futures fell, led by Deckers down 9% after mixed results and reduced FY27 guidance. BayCom, ROLR, Trulieve and others also slid premarket.
RingCentral surged 15% after beating Q3 estimates and raising FY26 guidance; XXII, LABT and HUBC led premarket gainers, while LNAI fell.
While the top- and bottom-line numbers for Bay Commercial Bank (BCML) give a sense of how the business performed in the quarter ended September 2026, it could be worth looking at how some of its key metrics compare to Wa
Bay Commercial Bank (BCML) delivered earnings and revenue surprises of +14.29% and +4.69%, respectively, for the quarter ended September 2026. Do the numbers hold clues to what lies ahead for the stock?
WALNUT CREEK, Calif., October 22, 2026--BayCom Corp ("BayCom" or the "Company") (NASDAQ: BCML), the holding company for United Business Bank (the "Bank"), today announced a net income of $1.1 million, or $0.10 per dilute
BayCom (NASDAQ:BCML) reported quarterly earnings of $0.67 per share which beat the analyst consensus estimate of $0.58 by 13.56 percent. This is a 45.65 percent increase over earnings of $0.46 per share from the same
BayCom (NASDAQ:BCML) reported quarterly earnings of $0.10 per share which missed the analyst consensus estimate of $0.59 by 83.05 percent. This is a 78.26 percent decrease over earnings of $0.46 per share from the same
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on BCML today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for BCML. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, BayCom Corp (BCML) ranks #231 by composite RQD confidence (68/100, grade C+) and #788 by equity capitalization ($336.6M). Within this direct 5-issuer industry benchmark cohort, NEWT leads on earnings valuation at 5.3x trailing P/E, while NEWT leads on capital efficiency and profitability with 15.2% ROIC and — gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with BCML at 68/100 (C+).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| BCML
ACTIVE
BayCom Corp | C+ | 68/100 | 14.1x | — | 7.1% | +0.95% | $336.6M | Benchmark Subject |
| CBNA Chain Bridge Bancorp Inc. (Class A) | D+ | 53/100 | 16.7x | — | 12.0% | +1.14% | $337.3M | /cbna-vs-bcml → |
| COSO CoastalSouth Bancshares Inc. | B- | 71/100 | 13.2x | — | 9.6% | +0.50% | $328.3M | /coso-vs-bcml → |
| JMSB John Marshall Bancorp Inc. | C+ | 67/100 | 15.4x | — | 8.0% | +1.18% | $326.8M | /jmsb-vs-bcml → |
| NEWT NewtekOne Inc. | D | 47/100 | 5.3x | — | 15.2% | -3.93% | $318.0M | /newt-vs-bcml → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), BayCom Corp (BCML) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $23.9M, operating cash flow of $31.8M, and free cash flow of $30.1M (+5.0% YoY). On the balance sheet, BCML closed FY2025 with $2.59B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $0 | $23.9M | $31.8M | $30.1M | $2.59B | — |
| FY2024 (FY) | 2024-12-31 | $0 | $23.6M | $30.4M | $28.7M | $2.66B | — |
| FY2023 (FY) | 2023-12-31 | $0 | $27.4M | $30.8M | $30.8M | — | — |
As of 2026-11-01, BayCom Corp (NASDAQ: BCML) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $30.82 (+0.95% 1D, market cap $336.6M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 11/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, BCML ranks #231 in composite RQD confidence.
Within the Financials sector (Major Banks), BCML carries a Roarable C+ (68/100 RQD), trailing P/E of 14.1x, gross margin of —, and ROIC of 7.1%. By comparison, CBNA (Chain Bridge Bancorp Inc. (Class A)) holds a D+ grade (53/100 RQD, P/E 16.7x, ROIC 12.0%, cap $337.3M) and COSO (CoastalSouth Bancshares Inc.) posts a B- grade (71/100 RQD, P/E 13.2x, ROIC 9.6%, cap $328.3M). Among the 5-stock peer group, NEWT leads on earnings multiple (5.3x) while NEWT leads on capital efficiency (15.2% ROIC).
Per BCML's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001730984), BayCom Corp generated $0 in revenue, $23.9M in net income, and $30.1M in free cash flow against $2.59B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.
BCML last traded at $30.82 (+0.95% on volume of 42,794 shares), positioning the stock +1.05% above its 50-day simple moving average ($30.50) and +0.85% above its 200-day simple moving average ($30.56). Across its 52-week range of $26.82 to $34.98, BCML sits at the 49.0% percentile with a 14-day RSI of 50.1 (NEUTRAL RANGE) and an implied next-earnings move of ±4.7% ($29.37 to $32.27).
Why BCML Stock advanced +0.95% Today — RQD Quant Desk Flash. Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
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