# BayCom Corp (BCML) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $30.80, market value $336 million.

## Valuation
- **P/E (trailing): 25.7×** (5-yr avg 10.7×, 3-yr avg 11.7×). BayCom Corp trades at 25.7× trailing earnings, well above its own five-year average of 10.7×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.9×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 3.38**. A PEG of 3.38 means the P/E is high relative to expected earnings growth; the price already assumes a lot.
- **Price / book: 1.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 7.7%** (5-yr avg 10.5%). Free cash flow equals 7.7% of the market value, below its five-year average of 10.5%, so the shares are pricier on cash than usual. Above 5% is generally attractive.
- **Earnings yield: 3.9%**. The inverse of the P/E: 3.9% of the price is earned each year.

## Profitability
- **Return on equity: 7.1%**. 7.1% on shareholders' equity is weak; the business earns little on the capital its owners have in it.

## Growth
- **EPS growth (1 yr): 3.8%** (3-yr 6.4%/yr, 5-yr 13.6%/yr). Earnings per share rose 3.8%.
- **Free-cash-flow growth (3 yr): -8.1%/yr**. Free cash flow has compounded at -8.1% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.

## Dividends
- **Dividend yield: 3.90%** ($1.15 per share, trailing). BayCom Corp yields 3.90%, an income-level yield.
- **Payout ratio: 28%** (44% of free cash flow). 28% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.

## Price and momentum
- **Total return (1 yr): 6.4%** (YTD 6.9%, 3-mo -2.1%). The shares are up 6.4% over twelve months including dividends.
- **From 52-week high: -11.9%** (15.0% above the low). Trading 12% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 52**. An RSI of 52 is neutral.
- **Beta (1 yr): 0.34** (volatility 27%). Beta of 0.34 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BCML · Page: https://foliofundamentals.com/stocks/bcml

Not investment advice.