BCML
Neutral signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Supports a bullish reading. Current ratio 55.06 · operating margin 23%
- Narrative Unavailable or mixed. Stored narrative reading is in the neutral band
- Timing Unavailable or mixed. No stored price series
ACHAT TOTAL: 10 250 titres (~310 517,50 $ US)
- Insiders
- Laverne Robert G.Baron Christopher F
- Total bought
-
$310,518
Avg buy (VWAP, 90d window) $30.29 vs last close —
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-08-21
- Last synced
-
2026-08-27 10:00:12
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-21 | Laverne Robert G. | Buy | 1,000 | $29.85 | $29,850 | Form 4 |
| 2026-08-20 | Laverne Robert G. | Buy | 1,000 | $29.95 | $29,950 | Form 4 |
| 2026-08-10 | Baron Christopher F | Buy | 8,250 | $30.39 | $250,718 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Neutral signalScored 2026-08-15
BCML exhibits strong liquidity (score: 90) and an improved balance sheet, but the fundamental trend score (65) is undermined by an interest coverage ratio below 1.0 and negative working capital turnover, signaling…
The first sentence of the analysis written for BCML on 2026-08-15 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 68.4% | 69.6% | 77.1% | 86.7% | 90.0% | |
| Ebit Margin | 23.2% | 23.3% | 28.7% | 29.2% | 30.7% | |
| Ebitda Margin | 25.4% | 25.7% | 30.9% | 32.8% | 34.8% | |
| Operating Profit Margin | 23.2% | 23.3% | 28.7% | 29.2% | 30.7% | |
| Pretax Profit Margin | 23.0% | 23.3% | 28.7% | 29.2% | 30.7% | |
| Continuous Operations Profit Margin | 16.9% | 17.1% | 20.6% | 21.3% | 22.3% | |
| Net Profit Margin | 16.9% | 17.1% | 20.6% | 21.3% | 22.3% | |
| Bottom Line Profit Margin | 16.9% | 17.1% | 20.6% | 21.3% | 22.3% | |
| Current Ratio | 55.056 | 0.025 | 0.028 | 0.102 | 0.099 | |
| Quick Ratio | 55.056 | 0.025 | 0.028 | 0.102 | 0.099 | |
| Solvency Ratio | 0.012 | 0.011 | 0.014 | 0.013 | 0.012 | |
| Cash Ratio | 7.141 | 0.010 | 0.009 | 0.014 | 0.012 | |
| Price To Earnings Ratio | 13.486 | 12.781 | 10.392 | 10.486 | 9.874 | |
| Price To Earnings Growth Ratio | 3.540 | -1.707 | 0.409 | -2.214 | 0.151 | |
| Forward Price To Earnings Growth Ratio | 3.540 | -1.707 | 0.409 | -2.214 | 0.151 | |
| Price To Earnings Diluted Ratio | 13.486 | 12.781 | 10.392 | 10.486 | 9.874 | |
| Price To Earnings Diluted Growth Ratio | 3.540 | -1.707 | 0.409 | -2.214 | 0.151 | |
| Price To Book Ratio | 0.946 | 0.932 | 0.910 | 0.785 | 0.777 | |
| Price To Sales Ratio | 2.259 | 2.195 | 2.143 | 2.239 | 2.200 | |
| Price To Free Cash Flow Ratio | 10.649 | 10.548 | 9.932 | 6.425 | 22.384 | |
| Price To Operating Cash Flow Ratio | 10.064 | 9.957 | 9.247 | 6.288 | 19.575 | |
| Debt To Assets Ratio | 0.009 | 0.033 | 0.034 | 0.036 | 0.036 | |
| Debt To Equity Ratio | 0.066 | 0.267 | 0.279 | 0.282 | 0.322 | |
| Debt To Capital Ratio | 0.062 | 0.211 | 0.218 | 0.220 | 0.244 | |
| Long Term Debt To Capital Ratio | 0.025 | 0.182 | 0.188 | 0.185 | 0.215 | |
| Financial Leverage Ratio | 7.661 | 8.215 | 8.157 | 7.925 | 8.951 | |
| Working Capital Turnover Ratio | -0.144 | -0.065 | -0.067 | -0.060 | -0.053 | |
| Operating Cash Flow Ratio | 8.486 | 0.014 | 0.014 | 0.019 | 0.005 | |
| Operating Cash Flow Sales Ratio | 0.224 | 0.220 | 0.232 | 0.356 | 0.112 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.945 | 0.944 | 0.931 | 0.979 | 0.874 | |
| Debt Service Coverage Ratio | 0.669 | 0.663 | 1.068 | 2.681 | 2.789 | |
| Interest Coverage Ratio | 0.803 | 0.792 | 1.341 | 3.134 | 3.236 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 1.422 | 0.350 | 0.353 | 0.443 | 0.123 | |
| Capital Expenditure Coverage Ratio | 18.231 | 17.847 | 14.509 | 46.989 | 7.967 | |
| Dividend Paid And Capex Coverage Ratio | 3.814 | 5.980 | 5.348 | 13.836 | 7.967 | |
| Dividend Payout Ratio | 0.276 | 0.143 | 0.133 | 0.085 | 0.000 | |
| Enterprise Value Multiple | 8.758 | 10.333 | 8.581 | 8.481 | 8.164 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 68.5% | ▼-1.2% | ▼-9.9% |
| Ebit Margin | 23.2% | ▼-0.1% | ▼-3.8% |
| Ebitda Margin | 25.4% | ▼-0.3% | ▼-4.5% |
| Operating Profit Margin | 23.2% | ▼-0.1% | ▼-3.8% |
| Pretax Profit Margin | 23.0% | ▼-0.3% | ▼-4.0% |
| Continuous Operations Profit Margin | 16.9% | ▼-0.3% | ▼-2.8% |
| Net Profit Margin | 16.9% | ▼-0.3% | ▼-2.8% |
| Bottom Line Profit Margin | 16.9% | ▼-0.3% | ▼-2.8% |
| Current Ratio | 55.056 | ▲55.031 | ▲43.994 |
| Quick Ratio | 55.056 | ▲55.031 | ▲43.994 |
| Solvency Ratio | 0.012 | ▲0.001 | ▼-0.000 |
| Cash Ratio | 7.141 | ▲7.130 | ▲5.704 |
| Price To Earnings Ratio | 13.486 | ▲0.705 | ▲2.082 |
| Price To Earnings Growth Ratio | 3.540 | ▲5.247 | ▲3.504 |
| Forward Price To Earnings Growth Ratio | 3.540 | ▲5.247 | ▲3.504 |
| Price To Earnings Diluted Ratio | 13.486 | ▲0.705 | ▲2.082 |
| Price To Earnings Diluted Growth Ratio | 3.540 | ▲5.247 | ▲3.504 |
| Price To Book Ratio | 0.946 | ▲0.014 | ▲0.076 |
| Price To Sales Ratio | 2.259 | ▲0.064 | ▲0.051 |
| Price To Free Cash Flow Ratio | 10.649 | ▲0.100 | ▼-1.339 |
| Price To Operating Cash Flow Ratio | 10.065 | ▲0.107 | ▼-0.962 |
| Debt To Assets Ratio | 0.009 | ▼-0.024 | ▼-0.021 |
| Debt To Equity Ratio | 0.066 | ▼-0.201 | ▼-0.177 |
| Debt To Capital Ratio | 0.062 | ▼-0.149 | ▼-0.129 |
| Long Term Debt To Capital Ratio | 0.025 | ▼-0.157 | ▼-0.134 |
| Financial Leverage Ratio | 7.661 | ▼-0.553 | ▼-0.521 |
| Working Capital Turnover Ratio | -0.144 | ▼-0.079 | ▼-0.066 |
| Operating Cash Flow Ratio | 8.486 | ▲8.472 | ▲6.778 |
| Operating Cash Flow Sales Ratio | 0.224 | ▲0.004 | ▼-0.005 |
| Free Cash Flow Operating Cash Flow Ratio | 0.945 | ▲0.001 | ▲0.011 |
| Debt Service Coverage Ratio | 0.669 | ▲0.006 | ▼-0.905 |
| Interest Coverage Ratio | 0.803 | ▲0.011 | ▼-1.058 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 1.422 | ▲1.072 | ▲0.884 |
| Capital Expenditure Coverage Ratio | 18.231 | ▲0.384 | ▼-2.878 |
| Dividend Paid And Capex Coverage Ratio | 3.814 | ▼-2.167 | ▼-3.575 |
| Dividend Payout Ratio | 0.276 | ▲0.133 | ▲0.148 |
| Enterprise Value Multiple | 8.758 | ▼-1.574 | ▼-0.105 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $320.4M | $302.3M | $284.8M | $249.1M | $204.1M | |
| Enterprise value | $316.0M | $365.6M | $352.9M | $309.2M | $264.0M | |
| EV / Sales | 2.23x | 2.65x | 2.65x | 2.78x | 2.85x | |
| EV / Op. cash flow | 9.93x | 12.04x | 11.46x | 7.81x | 25.31x | |
| EV / Free cash flow | 10.50x | 12.76x | 12.30x | 7.98x | 28.95x | |
| EV / EBITDA | 8.76x | 10.33x | 8.58x | 8.48x | 8.16x | |
| Net debt / EBITDA | -0.12x | 1.79x | 1.66x | 1.65x | 1.85x | |
| Current ratio | 55.06x | 0.03x | 0.03x | 0.10x | 0.10x | |
| Income quality | 1.33x | 1.29x | 1.12x | 1.67x | 0.50x | |
| Graham number | $39 | $37 | $36 | $31 | $32 | |
| Graham net-net | -$187 | -$204 | -$181 | -$152 | -$174 | |
| Tax burden | 73.4% | 73.5% | 71.9% | 73.2% | 72.7% | |
| Interest burden | 99.2% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | $202.8M | -$2.18B | -$2.07B | -$1.89B | -$1.80B | |
| Invested capital | $269.2M | -$2.11B | -$2.00B | -$1.81B | -$1.73B | |
| Return on assets | 0.9% | 0.9% | 1.1% | 0.9% | 0.9% | |
| Operating ROA | 1.3% | 1.2% | 1.5% | 1.3% | 1.3% | |
| Return on tangible assets | 0.9% | 0.9% | 1.1% | 1.0% | 0.9% | |
| Return on equity | 7.1% | 7.3% | 8.8% | 7.5% | 7.9% | |
| Return on invested capital | 9.9% | 5.5% | 6.5% | 5.8% | 5.9% | |
| Return on capital employed | 1.3% | 7.5% | 9.1% | 7.9% | 8.1% | |
| Earnings yield | 7.5% | 7.8% | 9.6% | 9.5% | 10.1% | |
| Free cash flow yield | 9.4% | 9.5% | 10.1% | 15.6% | 4.5% | |
| Capex / Op. cash flow | 5.5% | 5.6% | 6.9% | 2.1% | 12.6% | |
| Capex / Depreciation | 58.4% | 52.1% | 71.7% | 21.0% | 33.9% | |
| Capex / Sales | 1.2% | 1.2% | 1.6% | 0.8% | 1.4% | |
| SG&A / Sales | 32.7% | 30.1% | 32.8% | 38.4% | 38.3% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.5% | 0.4% | 0.5% | 0.9% | 1.5% | |
| Intangibles / Total assets | 1.6% | 1.6% | 1.7% | 1.8% | 1.9% | |
| Days sales outstanding | 21d | 76d | 88d | 100d | 65d | |
| Days payables outstanding | 0d | 0d | 0d | 408d | 546d | |
| Operating cycle | 21d | 76d | 88d | 100d | 65d | |
| Cash conversion cycle | 21d | 76d | 88d | -308d | -481d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+6.0%EV / Sales ▼-16.1%EV / EBITDA ▼-15.2%EV / Op. cash flow ▼-2.119Earnings yield ▼-0.003Graham number ▲+2.320
Profitability
Return on equity ▼-0.002Return on assets +0.000Return on invested capital ▲+0.044Return on capital employed ▼-0.062Operating ROA +0.000Income quality ▲+0.045Tax burden ▼-0.001
Efficiency
Days sales outstanding ▼-54.276Days payables outstanding n/aOperating cycle ▼-54.276Cash conversion cycle ▼-54.276Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+55.031Net debt / EBITDA ▼-1.913Working capital ▲+2380872000.000Invested capital ▲+2379040000.000Intangibles / Total assets +0.000
Change over 5 years
Valuation
Market cap ▲+56.9%EV / Sales ▼-21.7%EV / EBITDA ▲+7.3%EV / Op. cash flow ▼-15.386Earnings yield ▼-0.027Graham number ▲+7.051
Profitability
Return on equity ▼-0.008Return on assets +0.000Return on invested capital ▲+0.040Return on capital employed ▼-0.068Operating ROA -0.000Income quality ▲+0.826Tax burden ▲+0.007
Efficiency
Days sales outstanding ▼-43.441Days payables outstanding ▼-545.688Operating cycle ▼-43.441Cash conversion cycle ▲+502.248Capex / Sales ▼-0.002R&D / Sales n/a
Balance-sheet strength
Current ratio ▲+54.956Net debt / EBITDA ▼-1.973Working capital ▲+2003337000.000Invested capital ▲+1997981000.000Intangibles / Total assets ▼-0.004
Employee count
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
- 2026-08-19 Baycom Corp Announces Cash Dividend WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (NASDAQ: BCML) (“BayCom” or the “Company”), the parent company of United Business Bank, today announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share on the Company''s common stock. The dividend is payable on October 8, 2026, to shareholders of record as of the close of business on September 10, 2026. About BayCom Corp The Company, through its wholly owned operating subsidiary, United Business Bank, offers a f.
- 2026-08-11 Is the Options Market Predicting a Spike in Bay Commercial Bank Stock? Investors need to pay close attention to BCML stock based on the movements in the options market lately.
- 2026-07-31 New Strong Sell Stocks for July 31st BLND, AXSM and BCML have been added to the Zacks Rank #5 (Strong Sell) List on July 31, 2026.
- 2026-07-23 Bay Commercial Bank (BCML) Q2 Earnings: Taking a Look at Key Metrics Versus Estimates Although the revenue and EPS for Bay Commercial Bank (BCML) give a sense of how its business performed in the quarter ended June 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-07-23 Bay Commercial Bank (BCML) Q2 Earnings and Revenues Miss Estimates Bay Commercial Bank (BCML) came out with quarterly earnings of $0.32 per share, missing the Zacks Consensus Estimate of $0.64 per share. This compares to earnings of $0.58 per share a year ago.
- 2026-07-23 BayCom Corp Announces 2026 Second Quarter Results WALNUT CREEK, Calif.--(BUSINESS WIRE)--BayCom Corp (“BayCom” or the “Company”) (NASDAQ: BCML), the holding company for United Business Bank (the “Bank”), today announced a net loss of $7.0 million, or $(0.64) per diluted common share, for the second quarter of 2026, compared to net income of $8.2 million, or $0.75 per diluted common share, for the first quarter of 2026, and $6.4 million, or $0.58 per diluted common share, for the second quarter of 2025. Financial results for the second quarter.
- 2026-05-26 Here Are Tuesday’s Top Wall Street Analyst Research Calls: Albemarle, Booz Allen Hamilton, Cigna, DT Midstream, GE Vernova, Intel, Okta, Travelers, Occidental Petroleum, and More Pre-Market Stock Futures: Futures are trading higher as investors return to a holiday-shortened trading week after a record-setting Friday, when the S&P 500, which posted its eighth straight weekly gain, and the Dow Jones Industrial Average both posted new all-time highs, closing at 7,473 and 50,579, respectively. Not to be left behind, the Nasdaq closed... Here Are Tuesday''s Top Wall Street Analyst Research Calls: Albemarle, Booz Allen Hamilton, Cigna, DT Midstream, GE Vernova, Intel, Okta, Travelers, Occidental Petroleum, and More