BayCom Corp. (BCML)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
$30.84-1.81%
Close 2026-11-05 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-05
QuarterlyIQ Insights · BCML
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
Recent financial performance sits below its industry cohort — worth keeping an eye on, though it has not freshly broken.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | 3.0% |
| Our one-year growth estimate | diamond | -14.5% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
No outside relationship met the current evidence threshold.
Based on historical daily prices through 2026-11-05.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 17.5 percentage points more one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-05 · Compared with 230 industry peers · Company calendar date is not available
BCML — dividend update
Dated 2026-08-19
OTHER EVENTS On August 19, 2026, BayCom Corp (the “Company”) issued the press release attached hereto as Exhibit 99.1 and incorporated herein by reference announcing the declaration of a quarterly cash dividend on the Company’s common stock of $0.30 per share, payable on October 8, 2026, to shareholders of record as of the close of business on September 10, 2026.
Why it matters: Loans rose 3.7% and deposits rose $122.3 million in Q3. Another quarter of growth would support BayCom's focus on core customer ties.
Supportive ifQ4 loans rise at least 3% from Q3, and deposits grow by at least $100 million.
Worry ifQ4 loans or deposits fall from Q3 levels.
Why it matters: Margin rose to 4.11% in Q3 from 3.95% in Q2. Staying above 4.0% would show that the gain held.
Supportive ifQ4 net interest margin is at least 4.0%, with no special dividend needed to reach that level.
Worry ifQ4 net interest margin falls below 3.95%.
Why it matters: BayCom sold $106.8 million of bonds at a $6.8 million loss. It says the new bonds yield about 122 basis points more and the costs may be earned back in about three years.
Supportive ifLater reports show more interest income from the new bonds. Total gains cover the $6.8 million sale loss within about three years.
Worry ifLater reports show no rise in bond interest income. Or, after about three years, the added income is less than the sale loss.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$81 on $10,000 · ±0.8% | How much price usually moves either way. |
| Bad day | $233 loss on $10,000 · 2.3% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,480 loss on $10,000 · 14.8% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.