BCML

MKT CAP:$319M

BayCom Corp

Market Cap

$319M

Financial Services·Banks - Regional·🇺🇸 United States·NASDAQ

Financials·Banks - Regional·🇺🇸·NASDAQ

Stock Price

$29.01+$0.19 (+0.66%)

Apr 23, 2026

Company Details

BayCom 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 offers demand, savings, money market, ...

CEO

George J. Guarini

IPO Date

Nov 10, 2005

Website

www.unitedbusinessbank.com

Key Metrics TTM

Revenue

$138M

-0.4% YoY

Net Income

$26M

EPS (Diluted)

$2.39

Free Cash Flow

$32M

Revenue / Share

$12.63

Gross Margin

52.4%

Operating Margin

17.8%

Net Margin

19.1%

FCF Margin

23.3%

P/S

2.3x

P/E

12.1x

Earnings Reports

Q1 2026

Apr 23, 2026

NEW

$35M+1.3%EPS $0.75

Q2 2025

Aug 11, 2025

$35M+3.6%EPS $0.58

Q1 2025

May 9, 2025

$34M+0.9%EPS $0.51

FY 2024

Mar 14, 2025

$138M+3.6%EPS $2.10

Q4 2024

Mar 14, 2025

$34M-1.5%EPS $0.55

Revenue & Profitability

Quarter	Revenue	Gross Profit	Operating Income
Q4 21	$24M	$21M	$8M
Q1 22	$26M	$23M	$7M
Q2 22	$26M	$21M	$6M
Q3 22	$29M	$26M	$10M
Q4 22	$31M	$27M	$11M
Q1 23	$32M	$26M	$10M
Q2 23	$32M	$27M	$10M
Q3 23	$34M	$26M	$9M
Q4 23	$35M	$24M	$9M
Q1 24	$34M	$24M	$8M
Q2 24	$34M	$23M	$8M
Q3 24	$36M	$24M	$8M
Q4 24	$34M	$24M	$8M
Q1 25	$34M	$24M	$8M
Q2 25	$35M	$24M	$9M
Q1 26	$35M	$0	$0

Valuation

Quarter	P/S	P/E
Q4 21	2.6x	11.5x
Q1 22	2.9x	13.2x
Q2 22	2.9x	14.3x
Q3 22	2.2x	10.6x
Q4 22	2.2x	10.0x
Q1 23	1.7x	7.8x
Q2 23	1.6x	6.7x
Q3 23	1.7x	7.6x
Q4 23	2.0x	9.5x
Q1 24	1.8x	9.1x
Q2 24	1.7x	9.6x
Q3 24	1.9x	11.2x
Q4 24	2.2x	12.6x
Q1 25	2.1x	12.1x
Q2 25	2.2x	12.7x
Q1 26	2.3x	12.2x

Operating Cash Flow

Quarter	Operating CF	Free CF
Q3 21	-$3M	-$3M
Q4 21	$5M	$5M
Q1 22	$3M	$3M
Q2 22	$9M	$8M
Q3 22	$12M	$12M
Q4 22	$16M	$16M
Q1 23	$8M	$8M
Q2 23	$12M	$12M
Q3 23	$3M	$2M
Q4 23	$8M	$7M
Q1 24	$5M	$4M
Q2 24	$8M	$7M
Q3 24	$10M	$9M
Q4 24	$8M	$8M
Q1 25	$9M	$9M
Q2 25	$6M	$6M

Capital Expenditures

Quarter	CapEx
Q3 21	$389.0K
Q4 21	$217.0K
Q1 22	$174.0K
Q2 22	$166.0K
Q3 22	$266.0K
Q4 22	$237.0K
Q1 23	$148.0K
Q2 23	$23.0K
Q3 23	$532.0K
Q4 23	$1M
Q1 24	$1M
Q2 24	$245.0K
Q3 24	$255.0K
Q4 24	$58.0K
Q1 25	$143.0K
Q2 25	$749.0K

CapEx

OpEx vs Revenue Growth (YoY)

Quarter	Revenue Growth	OpEx Growth
Q4 21	+1.5%	-9.0%
Q1 22	+14.4%	+17.3%
Q2 22	+14.7%	+34.0%
Q3 22	+23.0%	+18.5%
Q4 22	+29.3%	+21.3%
Q1 23	+22.6%	+12.9%
Q2 23	+25.5%	+9.9%
Q3 23	+17.2%	+28.6%
Q4 23	+11.7%	+29.5%
Q1 24	+7.1%	+19.1%
Q2 24	+4.6%	+17.8%
Q3 24	+4.6%	+10.2%
Q4 24	-1.5%	+0.7%
Q1 25	+0.9%	+3.0%
Q2 25	+3.6%	+0.4%
Q1 26	-4.1%	+24.5%

Stock-Based Compensation

Quarter	SBC ($)	% of Revenue
Q3 21	$326.0K	1.4%
Q4 21	$317.0K	1.3%
Q1 22	$325.0K	1.3%
Q2 22	$232.0K	0.9%
Q3 22	$232.0K	0.8%
Q4 22	$233.0K	0.8%
Q1 23	$250.0K	0.8%
Q2 23	$182.0K	0.6%
Q3 23	$153.0K	0.4%
Q4 23	$141.0K	0.4%
Q1 24	$160.0K	0.5%
Q2 24	$164.0K	0.5%
Q3 24	$159.0K	0.4%
Q4 24	$105.0K	0.3%
Q1 25	$151.0K	0.4%
Q2 25	$151.0K	0.4%

OpEx Breakdown

Quarter	G&A	S&M
Q4 21	$9M	$243.0K
Q1 22	$11M	$296.0K
Q2 22	$10M	$237.0K
Q3 22	$10M	$235.0K
Q4 22	$10M	$186.0K
Q1 23	$11M	$146.0K
Q2 23	$11M	$253.0K
Q3 23	$11M	$258.0K
Q4 23	$9M	$238.0K
Q1 24	$10M	$123.0K
Q2 24	$10M	$246.0K
Q3 24	$10M	$238.0K
Q4 24	$10M	$178.0K
Q1 25	$10M	$157.0K
Q2 25	$10M	$252.0K

War Chest

Quarter	Cash	Short-term Investments	Total
Q2 22	$38M	$177M	$215M
Q3 22	$35M	$167M	$202M
Q4 22	$29M	$154M	$183M
Q1 23	$31M	$165M	$196M
Q2 23	$39M	$147M	$185M
Q3 23	$32M	$146M	$178M
Q4 23	$19M	$6M	$25M
Q1 24	$21M	$168M	$189M
Q2 24	$24M	$184M	$208M
Q3 24	$26M	$194M	$220M
Q4 24	$23M	$2M	$25M
Q1 25	$21M	$2M	$23M
Q2 25	$22M	$185M	$206M
Q3 25	$22M	$2M	$24M
Q4 25	$27M	$180M	$206M
Q1 26	$0	$0	$0

Shares Outstanding

Quarter	Shares (Diluted)	QoQ Change	YoY Change
Q4 21	11M	-0.1%	-8.1%
Q1 22	13M	+18.4%	+12.2%
Q2 22	14M	+7.3%	+24.6%
Q3 22	13M	-2.0%	+24.5%
Q4 22	13M	-2.6%	+21.3%
Q1 23	13M	-2.0%	+0.4%
Q2 23	12M	-3.7%	-9.9%
Q3 23	12M	-3.4%	-11.2%
Q4 23	12M	-2.0%	-10.7%
Q1 24	12M	-0.4%	-9.2%
Q2 24	11M	-2.4%	-8.0%
Q3 24	11M	-0.9%	-5.6%
Q4 24	11M	-0.2%	-3.9%
Q1 25	11M	+0.1%	-3.4%
Q2 25	11M	-1.2%	-2.2%
Q1 26	11M	-0.9%	-2.1%

Shares Outstanding

Revenue Per Employee

Period	Revenue/Employee	Employees
Q4 21	$78.1K	307
Q1 22	$83.8K	307
Q2 22	$83.7K	307
Q3 22	$95.8K	307
Q4 22	$82.9K	374
Q1 23	$84.4K	374
Q2 23	$86.3K	374
Q3 23	$92.1K	374
Q4 23	$96.8K	358
Q1 24	$94.4K	358
Q2 24	$94.2K	358
Q3 24	$100.7K	358
Q4 24	$105.3K	324
Q1 25	$105.2K	324
Q2 25	$107.9K	324
Q1 26	$105.7K	327

Revenue / Employee