📊 BCML Key Takeaways
Investment Thesis
BayCom Corp demonstrates strong fundamental growth with 43.3% YoY revenue increase and solid profitability metrics (17.7% net margin, 24.1% operating margin). The bank maintains excellent financial health with zero long-term debt, strong free cash flow generation ($30.1M, 22.2% FCF margin), and adequate interest coverage (3.3x), positioning it well for sustainable operations.
BCML Strengths
- Revenue growth of 43.3% YoY demonstrates strong top-line expansion
- Zero long-term debt with $206.5M cash position provides financial flexibility
- Robust free cash flow of $30.1M (22.2% FCF margin) supports capital deployment
- Net margin of 17.7% and operating margin of 24.1% indicate healthy profitability
- Operating cash flow of $31.8M exceeds capital expenditure requirements
BCML Risks
- Low ROA of 0.9% and ROE of 7.1% suggest asset utilization and return generation could be improved
- Net income growth stalled at 0.0% YoY despite 43.3% revenue growth, indicating margin compression
- Interest coverage ratio of 3.3x is moderate; limited cushion for interest payment obligations
- Limited transparency on gross profit and current/quick ratios due to banking sector accounting
- 7 Form 4 filings in 90 days warrant monitoring for insider sentiment
Key Metrics to Watch
- Net income growth trajectory - critical to validate profitability sustainability
- Return on Equity and Return on Assets - must improve to demonstrate capital efficiency
- Interest coverage ratio - monitor debt service capacity amid rate environment changes
- Operating margin trends - protect against further margin compression
- Loan portfolio quality and provision for credit losses
BCML Financial Metrics
💡 AI Analyst Insight
The 22.2% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
BCML Profitability Ratios
BCML vs Finance Sector
How BayCom Corp compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
BCML Balance Sheet & Liquidity
BCML 5-Year Financial Trend
5-Year Trend Summary: BayCom Corp's revenue has remained relatively flat over the 5-year period, with a 0% decline. The most recent EPS of $2.27 reflects profitable operations.
BCML Growth Metrics (YoY)
BCML Capital Allocation
BCML SEC Filings
Access official SEC EDGAR filings for BayCom Corp (CIK: 0001730984)
📋 Recent SEC Filings
❓ Frequently Asked Questions about BCML
What is the AI rating for BCML?
BayCom Corp (BCML) has an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are BCML's key strengths?
Revenue growth of 43.3% YoY demonstrates strong top-line expansion. Zero long-term debt with $206.5M cash position provides financial flexibility.
What are the risks of investing in BCML?
Low ROA of 0.9% and ROE of 7.1% suggest asset utilization and return generation could be improved. Net income growth stalled at 0.0% YoY despite 43.3% revenue growth, indicating margin compression.
What is BCML's revenue and growth?
BayCom Corp reported revenue of $135.4M.
Does BCML pay dividends?
BayCom Corp pays dividends, with $6.6M distributed to shareholders in the trailing twelve months.
Where can I find BCML SEC filings?
Official SEC filings for BayCom Corp (CIK: 0001730984) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is BCML's EPS?
BayCom Corp has a diluted EPS of $2.18.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.