ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is BayCom Corp. ?
1
High Profitability with a Net Interest Margin of 2.41%
2
Strong Long Term Fundamental Strength with a 11.75% CAGR growth in Net Profits
3
With a growth in Interest of NAN%, the company declared Very Positive results in Dec 25
- DIVIDEND PAYOUT RATIO(Y) Highest at 47.66%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 25 MM
4
With ROA of 0.67%, it has a fair valuation with a 0.93 Price to Book Value
- Over the past year, while the stock has generated a return of 12.92%, its profits have risen by 1.4% ; the PEG ratio of the company is 3.8
5
High Institutional Holdings at 68.06%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 1.99% over the previous quarter.
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BayCom Corp. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is BayCom Corp. for you?
Low Risk, High Return
Absolute
Risk Adjusted
Volatility
BayCom Corp.
12.15%
1.81
27.96%
S&P 500
13.68%
0.71
19.28%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.20%
EBIT Growth (5y)
9.50%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
41.33%
Pledged Shares
0
Institutional Holding
68.06%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.93
EV to EBIT
3.21
EV to EBITDA
2.99
EV to Capital Employed
0.81
EV to Sales
0.72
PEG Ratio
3.84
Dividend Yield
NA
ROCE (Latest)
25.30%
ROE (Latest)
7.07%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 47.66%
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 25 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 93.35%
OPERATING PROFIT(Q)
Highest at USD 10.14 MM
OPERATING PROFIT MARGIN(Q)
Highest at 29.53 %
PRE-TAX PROFIT(Q)
Highest at USD 9.47 MM
NET PROFIT(Q)
Highest at USD 6.86 MM
EPS(Q)
Highest at USD 0.63
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 22.99 MM
Here's what is working for BayCom Corp.
NII
Highest at USD 25 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Dividend Payout Ratio
Highest at 47.66% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Operating Profit
Highest at USD 10.14 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 29.53 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 9.47 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 6.86 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Credit Deposit Ratio
Highest at 93.35%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for BayCom Corp.
Operating Cash Flow
Lowest at USD 22.99 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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