Recent News
On November 20, 2025 BayCom Corp announced a 20% increase in its quarterly cash dividend to $0.30 per share, payable January 9, 2026 to shareholders of record as of December 11, 2025.
Technical Analysis
ADX 16.82 indicates no trend strength; directional signals therefore carry limited conviction despite directional agreement. DI+ shows a dip & reversal at 20.18 and DI- shows a peak & reversal at 22.73, which together produce bullish directional readings but without strong trend strength given the low ADX.
MACD -0.08 displays a dip & reversal and trades above its signal line (-0.11), representing a bullish momentum shift and supporting the likelihood of near-term upside continuation.
MRO -27.25 registers negative, indicating price below the model target and implying upside potential toward fair-value anchors. The MRO peak & reversal label suggests that the oscillator recently rounded and turned, tempering the signal’s immediacy.
RSI 52.33 shows a dip & reversal and sits near neutral, indicating neither overbought nor oversold conditions and leaving room for follow-through on momentum signals.
Price at $19.01 trades above the 20-day average ($18.53), above the 50-day average ($18.96), and above the 200-day average ($16.78), which gives moving-average structure to the short- and medium-term bullish case. Price sits between the 1x and 2x upper Bollinger band measures (upper 1x = $18.87; upper 2x = $19.20), signaling proximity to recent resistance.
Ichimoku readings show Tenkan/Kijun at $18.55, Senkou A $19.39 and Senkou B $18.07; price below Senkou A and above Senkou B suggests short-term support around $18.07–$18.55 and an overhead cloud boundary near $19.39.
Volume at 324,517 undercuts the 10-day average (397,388) but exceeds the 50-day (241,811) and 200-day (153,685) averages, indicating session-to-session variability while maintaining above-long-term baseline participation.
Fundamental Analysis
Earnings per share registered at $0.50 against an estimate of $0.43, producing an EPS surprise of +16.28%; the date of the report reads 2026-01-28 and the fiscal period ended 2025-12-31. Forward EPS stands at $0.4492 and forward PE at 41.04.
Revenue growth measures conflict by window: an overall revenue growth figure of 2.06% contrasts with a year-over-year revenue change of -89.46% (revenueGrowthYoY -0.89457). Earnings growth shows a modest positive annual figure of 4.17% but registered a sharp quarter-over-quarter decline of -64.16% and a year-over-year change of -100.37%. Present figures therefore reflect recent volatility across quarters despite a small annual earnings uptick.
PE ratio equals $37.02, which sits below the industry peer mean ($57.996) and above the industry peer median ($28.198). Forward PE at $41.04 remains elevated relative to the current earnings run rate. PEG ratio at 8.88 stands above the industry peer mean (-3.145) and above the industry peer median (-19.895), indicating a high multiple relative to reported growth expectations.
Cost of debt measures at 17.27% and cash flow to earnings registers 0.0. Invested capital shows $-221,898,000 on the books. WMDST values the stock as over-valued, a conclusion that blends elevated PE/forward-PE multiples with uneven revenue and quarter-level earnings volatility.
MOST-RECENT QUARTERLY REPORT
| REPORT PERIOD ENDING: | 2025-12-31 |
| REPORT DATE: | 2026-01-28 |
| NEXT REPORT DATE: | 2026-04-29 |
| CASH FLOW | Begin Period Cash Flow | — |
| Operating Cash Flow | — | |
| Capital Expenditures | — | |
| Change In Working Capital | — | |
| Dividends Paid | — | |
| Cash Flow Delta | — | |
| End Period Cash Flow | — | |
| INCOME STATEMENT | REVENUE | |
| Total Revenue | — | |
| Forward Revenue | — | |
| COSTS | ||
| Cost Of Revenue | — | |
| Depreciation | — | |
| Depreciation and Amortization | — | |
| Research and Development | — | |
| Total Operating Expenses | — | |
| PROFITABILITY | ||
| Gross Profit | — | |
| EBITDA | — | |
| EBIT | — | |
| Operating Income | — | |
| Interest Income | — | |
| Interest Expense | — | |
| Net Interest Income | — | |
| Income Before Tax | — | |
| Tax Provision | — | |
| Tax Rate | — | |
| Net Income | — | |
| Net Income From Continuing Operations | — | |
| EARNINGS | ||
| EPS Estimate | $ 0.43 | |
| EPS Actual | $ 0.50 | |
| EPS Difference | $ 0.07 | |
| EPS Surprise | 16.279 % | |
| Forward EPS | $ 0.45 | |
| BALANCE SHEET | ASSETS | |
| Total Assets | — | |
| Intangible Assets | — | |
| Net Tangible Assets | — | |
| Total Current Assets | — | |
| Cash and Short-Term Investments | — | |
| Cash | — | |
| Net Receivables | — | |
| Inventory | — | |
| Long-Term Investments | — | |
| LIABILITIES | ||
| Accounts Payable | — | |
| Short-Term Debt | — | |
| Total Current Liabilities | — | |
| Net Debt | — | |
| Total Debt | — | |
| Total Liabilities | — | |
| EQUITY | ||
| Total Equity | — | |
| Retained Earnings | — | |
| VALUATION & PER-SHARE METRICS | EQUITY & PER-SHARE METRICS | |
| Book Value Per-Share | — | |
| Shares Outstanding | — | |
| Revenue Per-Share | — | |
| VALUATION | Market Capitalization | — |
| Enterprise Value | — | |
| Enterprise Multiple | — | |
| Enterprise Multiple QoQ | — | |
| Enterprise Multiple YoY | — | |
| Enterprise Multiple IPRWA | — | |
| EV/R | — | |
| CAPITAL STRUCTURE | ||
| Asset To Equity | — | |
| Asset To Liability | — | |
| Debt To Capital | — | |
| Debt To Assets | — | |
| Debt To Assets QoQ | — | |
| Debt To Assets YoY | — | |
| Debt To Assets IPRWA | — | |
| Debt To Equity | — | |
| Debt To Equity QoQ | — | |
| Debt To Equity YoY | — | |
| Debt To Equity IPRWA | — | |
| PRICE-BASED VALUATION | ||
| Price To Book (P/B) | — | |
| Price To Book QoQ | — | |
| Price To Book YoY | — | |
| Price To Book IPRWA | — | |
| Price To Earnings (P/E) | 37.016 | |
| Price To Earnings QoQ | 7.256 % | |
| Price To Earnings YoY | 18.316 % | |
| Price To Earnings IPRWA | high: 90.392 mean: 57.996 BCAL: 37.016 median: 28.198 low: 27.354 |
|
| PE/G Ratio | 8.883 | |
| Price To Sales (P/S) | — | |
| Price To Sales QoQ | — | |
| Price To Sales YoY | — | |
| Price To Sales IPRWA | — | |
| FORWARD MULTIPLES | ||
| Forward P/E | 41.044 | |
| Forward PE/G | 9.85 | |
| Forward P/S | — | |
| EFFICIENCY | OPERATIONAL | |
| Operating Leverage | — | |
| ASSET & SALES | ||
| Asset Turnover Ratio | — | |
| Asset Turnover Ratio QoQ | — | |
| Asset Turnover Ratio YoY | — | |
| Asset Turnover Ratio IPRWA | — | |
| Receivables Turnover | — | |
| Receivables Turnover Ratio QoQ | — | |
| Receivables Turnover Ratio YoY | — | |
| Receivables Turnover Ratio IPRWA | — | |
| Inventory Turnover | — | |
| Inventory Turnover Ratio QoQ | — | |
| Inventory Turnover Ratio YoY | — | |
| Inventory Turnover Ratio IPRWA | — | |
| Days Sales Outstanding (DSO) | — | |
| CASH CYCLE | ||
| Cash Conversion Cycle Days (CCC) | — | |
| Cash Conversion Cycle Days QoQ | — | |
| Cash Conversion Cycle Days YoY | — | |
| Cash Conversion Cycle Days IPRWA | — | |
| CAPITAL DEPLOYMENT | ||
| Cash Conversion Ratio | — | |
| CapEx To Revenue | — | |
| CapEx To Depreciation | — | |
| CAPITAL, LIQUIDITY & COVERAGE | CAPITAL STRUCTURE | |
| Total Capital | — | |
| Net Invested Capital | — | |
| Invested Capital | $ -221.90 M | |
| Net Tangible Assets | — | |
| Net Working Capital | — | |
| LIQUIDITY | ||
| Cash Ratio | — | |
| Current Ratio | — | |
| Current Ratio QoQ | — | |
| Current Ratio YoY | — | |
| Current Ratio IPRWA | — | |
| Quick Ratio | — | |
| Quick Ratio QoQ | — | |
| Quick Ratio YoY | — | |
| Quick Ratio IPRWA | — | |
| COVERAGE & LEVERAGE | ||
| Debt To EBITDA | — | |
| Cost Of Debt | 17.267 % | |
| Interest Coverage Ratio | — | |
| Interest Coverage Ratio QoQ | — | |
| Interest Coverage Ratio YoY | — | |
| Interest Coverage Ratio IPRWA | — | |
| Operating Cash Flow Ratio | — | |
| TIMING / LIQUIDITY | ||
| Days Payables Outstanding (DPO) | — | |
| DIVIDENDS | ||
| Dividend Coverage Ratio | — | |
| Dividend Payout Ratio | — | |
| Dividend Rate | — | |
| Dividend Yield | — | |
| PERFORMANCE | GROWTH | |
| Asset Growth Rate | — | |
| Revenue Growth | 2.055 % | |
| Revenue Growth QoQ | 0.0 % | |
| Revenue Growth YoY | -89.457 % | |
| Revenue Growth IPRWA | high: 11.371 % BCAL: 2.055 % mean: 1.354 % median: -0.957 % low: -2.627 % |
|
| Earnings Growth | 4.167 % | |
| Earnings Growth QoQ | -64.164 % | |
| Earnings Growth YoY | -100.372 % | |
| Earnings Growth IPRWA | high: 36.957 % BCAL: 4.167 % mean: -6.978 % median: -18.987 % low: -52.381 % |
|
| MARGINS | ||
| Gross Margin | — | |
| Gross Margin QoQ | — | |
| Gross Margin YoY | — | |
| Gross Margin IPRWA | — | |
| EBIT Margin | — | |
| EBIT Margin QoQ | — | |
| EBIT Margin YoY | — | |
| EBIT Margin IPRWA | — | |
| Return On Sales (ROS) | — | |
| Return On Sales QoQ | — | |
| Return On Sales YoY | — | |
| Return On Sales IPRWA | — | |
| CASH FLOW | ||
| Free Cash Flow (FCF) | — | |
| Free Cash Flow Yield | — | |
| Free Cash Flow Yield QoQ | — | |
| Free Cash Flow Yield YoY | — | |
| Free Cash Flow Yield IPRWA | — | |
| Free Cash Growth | — | |
| Free Cash Growth QoQ | — | |
| Free Cash Growth YoY | — | |
| Free Cash Growth IPRWA | — | |
| Free Cash To Net Income | — | |
| Cash Flow Margin | — | |
| Cash Flow To Earnings | 0.0 | |
| VALUE & RETURNS | ||
| Economic Value Added | — | |
| Return On Assets (ROA) | — | |
| Return On Assets QoQ | — | |
| Return On Assets YoY | — | |
| Return On Assets IPRWA | — | |
| Return On Capital Employed (ROCE) | — | |
| Return On Equity (ROE) | — | |
| Return On Equity QoQ | — | |
| Return On Equity YoY | — | |
| Return On Equity IPRWA | — | |
| DuPont ROE | — | |
| Return On Invested Capital (ROIC) | — | |
| Return On Invested Capital QoQ | — | |
| Return On Invested Capital YoY | — | |
| Return On Invested Capital IPRWA | — | |