ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is BayCom Corp. ?
1
High Profitability with a Net Interest Margin of 2.17%
2
Strong Long Term Fundamental Strength with a 8.51% CAGR growth in Net Profits
3
Flat results in Jun 25
- CASH AND EQV(HY) Lowest at USD 42.8 MM
4
With ROA of 0.57%, it has a fair valuation with a 0.89 Price to Book Value
- Over the past year, while the stock has generated a return of 0.51%, its profits have fallen by -10.2%
5
High Institutional Holdings at 64.57%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 0.51% in the last 1 year, much lower than market (S&P 500) returns of 12.33%
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.
2.59%
1.79
28.99%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
8.83%
EBIT Growth (5y)
5.43%
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
21.46%
Pledged Shares
0
Institutional Holding
64.57%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
0.89
EV to EBIT
2.90
EV to EBITDA
2.60
EV to Capital Employed
0.70
EV to Sales
0.62
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
24.18%
ROE (Latest)
7.12%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bearish
OBV
Mildly Bullish
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend6What is working for the Company
DIVIDEND PAYOUT RATIO(Y)
Highest at 34.58%
DIVIDEND PER SHARE(HY)
Highest at USD 0
PRE-TAX PROFIT(Q)
Highest at USD 8.72 MM
NET PROFIT(Q)
Highest at USD 6.36 MM
EPS(Q)
Highest at USD 0.58
-1What is not working for the Company
CASH AND EQV(HY)
Lowest at USD 42.8 MM
Here's what is working for BayCom Corp.
Dividend Payout Ratio
Highest at 34.58% and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Pre-Tax Profit
Highest at USD 8.72 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 6.36 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 0.58
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for BayCom Corp.
Cash and Eqv
Lowest at USD 42.8 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Capital Adequacy Ratio
Lowest at 14.41%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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