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Bay Commercial Bank BCML

Growth Flags show if company had growth for consecutive years ,
Insider Buys alert about insiders buying in the last 12 month

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Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

Total buys
1.61
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 2 1 3
Sell
Insider Ownership
6.96%

Capital & Financial Ratios

Market Cap
330.99
Revenue
142.25
Net Income
13.08
Free Cash Flow
26.55
Net Debt
(146.49)
Current Ratio
1.04
Debt/Equity
0.09
P/E ratio
25.08
P/S ratio
2.31
P/B ratio
0.98
Past 5Y EPS Growth
7.32%
This Y EPS Growth
(5.81%)
Next Y EPS Growth
16.40%
Next 5Y EPS Growth
10.20%
in millions of $

Dividends

Payout Ratio
0.12
Annual Dividend Rate
0.40
Annual Dividend Yield
2.01%
total individual payouts
2027 ‡‡‡
2026 1.20
2025 0.90
2024 0.55
2023 0.40
2022 0.20
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2018 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 308.78 364.28 206.51 177.38
Receivables
Inventory
Other
2,261.99 2,345.21 2,291.35 2,272.92
2023 2024 2025 Q'26
Payables 2,132.75 2,234.01 2,213.64 2,169.92
ST’ Debt
Other
2,147.34 2,248.64 2,227.62 2,192.88
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 36.10 33.74
’25 34.09 34.97 37.20 35.23
141.48
’24 33.81 33.89 36.17 34.22
138.09
’23 31.62 32.35 34.48 34.87
133.31
’22 27.44 25.80 29.52 30.41
113.17
’21 22.51 22.45 23.97 23.95
92.88
’20 25.07 24.11 23.05 23.73
95.97
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 6.99 5.13
’25 9.28 6.37 7.35 8.84
31.83
’24 5.08 7.67 9.62 7.99
30.36
’23 8.19 11.60 2.60 8.41
30.80
’22 2.85 8.66 12.26 15.86
39.61
’21 0.65 7.82 (3.08) 5.04
10.43
’20 (2.96) 3.86 5.26 3.84
10.00
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 6.69 4.53
’25 9.14 5.62 6.23 9.10
30.09
’24 3.94 7.42 9.36 7.93
28.66
’23 8.04 11.58 2.07 6.99
28.68
’22 2.67 8.49 11.99 15.62
38.77
’21 0.30 7.52 (3.47) 4.82
9.17
’20 (3.81) 3.70 3.83 3.72
7.44
in millions of $

EPS

Mar Jun Sep Dec Year
’26 0.75 (0.64)
’25 0.51 0.58 0.46 0.63
2.18
’24 0.51 0.50 0.54 0.55
2.10
’23 0.55 0.59 0.56 0.55
2.27
’22 0.51 0.38 0.54 0.62
2.06
’21 0.40 0.49 0.51 0.51
1.90
’20 0.23 0.26 0.27 0.39
1.15

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

3
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 17.52 15.02 18.54 22.22
Low Price
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 23.54 24.31 30.13 33.15
High Price
‡‡‡‡‡ ‡‡‡‡‡ 374 358 324 327
Employees
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.30 0.37 0.43 0.43
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 113.17 133.31 138.09 141.48 ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 90.85% 78.65% 70.62% 71.07%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 32.44 38.16 32.12 32.62
EBT
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ 28.66% 28.62% 23.26% 23.05% ‡‡‡ ‡‡‡
EBT Margin
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 23.73 27.43 23.61 23.93 ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 4.61 3.30 3.30 3.13
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.62 11.04 12.26 12.87 ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡ ‡‡‡‡ ‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡ 2.06 2.27 2.10 2.18 ‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.02 2.55 2.70 2.90
Cash Flow/Sh
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.06) (0.18) (0.15) (0.16) ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.95 2.38 2.54 2.74
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24.17 25.91 28.80 30.80
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 13.12 12.07 11.26 10.99 ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 9.26 10.36 12.78 13.49 ‡‡‡‡ ‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.20 2.11 2.19 2.28 ‡‡‡ ‡‡‡
PS Ratio
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.79 0.90 0.93 0.95 ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.29 0.36 0.10 0.91 ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.77 1.67 0.47 4.27
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 39.61 30.80 30.36 31.83 ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.84) (2.12) (1.70) (1.75)
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 38.77 28.68 28.66 30.09
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 127.18 114.65 96.57 63.73
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 76.20 72.45 72.38 8.73
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (102.86) (236.34) (291.90) (197.79)
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 317.15 312.87 324.37 338.55
Sh' Equity
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.98% 1.08% 0.91% 0.91%
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡ 9.46% 31.16% 61.83% 14.48%
ROIC
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.19% 8.71% 7.41% 7.22%
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Bay Commercial Bank (BCML), a California community bank focused on small and medium-sized businesses, has delivered impressive growth over the past decade, with revenues surging from $31 million in 2016 to a peak of $138 million in 2024 at a 20% CAGR, driven by smart deposit growth and loan expansion amid low rates and post-COVID recovery. Profitability has held resilient, with net income climbing to $23.6 million in 2024 and EPS reaching $2.10, supported by strong free cash flow per share ($2.54) and a conservative balance sheet featuring growing equity ($324 million) and negative net debt—helping it weather 2023’s regional banking turmoil like SVB’s collapse.

Yet, headwinds loom: forecasts predict a 30% revenue drop to $97 million in 2025 due to eroding net interest margins from Fed rate hikes, though a rebound to $110 million by 2027 and EPS of $2.90 signals recovery potential. Trading near highs at a reasonable 12.8x trailing PE (forward easing to 10.6x) and ultra-low EV/Sales of 0.1x, shares near book value hint at undervaluation or M&A appeal, tempered by insider selling and cyclical risks. Analysts see modest 1-11% upside, making BCML a steady hold for patient value hunters eyeing banking’s next cycle.

Bay Commercial Bank (BCML) Latest News

News by impact score

Fine-tune

23 Jul

3 , 6:20 PM
Bay Commercial Bank (BCML) missed Q2 earnings and revenue estimates. Q2 earnings and revenue miss signals operational shortfalls likely to pressure BCML stock valuation and investor sentiment.

3 , 4:00 PM
BayCom Corp announces 2026 second quarter results for Bay Commercial Bank. Quarterly earnings deliver core financial metrics that influence BCML valuation and near-term market sentiment.

23 Apr

4 Zacks, 5:55 PM
Bay Commercial Bank (BCML) Q1 earnings and revenues exceeded analyst estimates. Beating Q1 earnings estimates highlights strong financial performance poised to enhance investor sentiment and market trajectory.

4 Business Wire, 4:30 PM
BayCom Corp reported $8.2 million in first quarter 2026 earnings. Q1 earnings of $8.2 million represent a major financial update likely to influence BCML's stock performance and investor sentiment.

13 Apr

4 www.bankingdive.com, 8:14 AM
BayCom hires three PacWest alumni to drive a strategic shift toward dealmaking. Hiring PacWest alumni signals major strategic push into dealmaking, enhancing M&A capabilities and growth trajectory for BCML.

9 Apr

4 Business Wire, 4:00 PM
BayCom Corp announces executive leadership transition with current CEO retiring and successor appointed, alongside next-phase growth strategy focusing on organic expansion, enhanced lending capabilities, and market diversification. Executive leadership transition combined with next-phase growth strategy signals major strategic shifts impacting long-term performance and investor sentiment.

10 Feb

3 Zacks, 10:27 AM
Implied volatility for BayCom stock options has surged, indicating increased investor uncertainty and potential for significant price movement in the near future. This spike in volatility often reflects heightened trading activity and speculation surrounding the stock, which may be driven by recent developments or market sentiment regarding Bay Commercial Bank's performance. Increased implied volatility suggests potential short-term fluctuations in stock price, impacting market sentiment and trading strategies.

3 Feb

4 Zacks, 3:35 AM
Bay Commercial Bank (BCML) has been highlighted as one of the best income stocks to buy for February 3rd, indicating strong potential for generating income through dividends. The bank's financial stability and growth prospects make it an attractive option for investors seeking reliable income sources. Analysts suggest that BCML's performance is bolstered by its strategic initiatives and favorable market conditions, positioning it well for future growth. BCML's recognition as a top income stock suggests significant investor interest and potential for enhanced market performance.

22 Jan

3 Zacks, 5:45 PM
Bay Commercial Bank (BCML) reported Q4 earnings and revenues that fell short of analysts' expectations, leading to concerns about its financial performance. The bank's results indicate challenges in maintaining growth and profitability, which could impact investor sentiment moving forward. Earnings and revenue misses can moderately influence investor confidence and future financial performance.

3 Business Wire, 4:30 PM
BayCom Corp reported fourth quarter earnings for 2025 amounting to $6.9 million, reflecting a stable financial performance. The earnings indicate a consistent growth trajectory for Bay Commercial Bank, contributing positively to its overall financial health. The report highlights key operational metrics and strategic initiatives that support the bank's ongoing development in a competitive market. Earnings performance indicates moderate influence on financial stability and market positioning.

18 Dec

4 Simply Wall St., 6:02 AM
Bay Commercial Bank (BCML) has delivered a 19% compound annual growth rate (CAGR) to its shareholders over the past five years, reflecting strong financial performance and effective management strategies. The bank's consistent growth trajectory highlights its resilience and ability to navigate market challenges, positioning it favorably for future opportunities. The significant CAGR indicates strong financial health and potential for continued growth, likely influencing investor sentiment and market performance.

15 Dec

3 Zacks, 6:30 AM
BayCom Corp (BCML) experienced a notable 6.4% increase in its stock price, reflecting positive market sentiment and potential strength in its operations. Analysts are optimistic about the bank's future performance, suggesting that this upward trend could lead to further gains. Investors are encouraged to monitor the company's developments closely as it may indicate a robust financial outlook. The stock price increase suggests a moderately noticeable influence on investor sentiment and potential financial performance.

20 Nov

4 Business Wire, 4:30 PM
Bay Commercial Bank (BCML) has announced a 20% increase in its quarterly cash dividend, raising it to $0.30 per share. This decision reflects the bank's strong financial performance and commitment to returning value to shareholders. The increase is expected to enhance investor confidence and attract more interest in the bank's stock. The dividend increase signals strong financial health and could significantly influence investor sentiment and market performance.

7 Nov

4 Simply Wall St., 8:19 AM
BayCom Corp (NASDAQ:BCML) has secured a strong institutional backing with 61% ownership, indicating confidence from institutional investors in the bank's future prospects. This significant stake suggests a solid foundation for growth and stability, potentially enhancing the bank's market position and investor sentiment. Strong institutional ownership typically signals confidence in the company's future, which can significantly influence market performance.

23 Oct

3 ZacksZacksZacks, 5:45 PM
Bay Commercial Bank (BCML) reported its Q3 earnings, which fell short of analysts' expectations. The bank's financial performance was impacted by various factors, leading to a decline in net income compared to the previous quarter. Analysts had anticipated stronger results, but the actual figures revealed challenges in the bank's operations. This miss in earnings could affect investor sentiment and the bank's stock performance moving forward. Earnings miss may moderately influence investor sentiment and financial performance but is not expected to drastically alter the bank's trajectory.

3 , 4:30 PM
BayCom Corp reported third quarter earnings for 2025 amounting to $5.0 million, reflecting a stable financial performance amid ongoing market conditions. The bank continues to focus on strategic growth and operational efficiency, positioning itself for future opportunities in the banking sector. Earnings performance indicates moderate influence on financial stability and market sentiment.

3 Zacks, 11:27 AM
Options trading activity for Bay Commercial Bank (BCML) has surged, indicating a potential spike in the stock price. Analysts have noted a significant increase in call options, suggesting that investors are betting on a rise in the stock. This trend may reflect positive sentiment surrounding the bank's future performance and market positioning. Increased options activity indicates investor optimism, which may moderately influence market sentiment and stock performance.

9 Oct

3 Zacks, 10:00 AM
Analysts predict that Bay Commercial Bank (BCML) will report a decline in earnings, raising concerns about its financial performance. Investors are advised to monitor key indicators and market conditions that may influence the bank's future results. A decline in earnings could moderately affect the bank's financial performance and market sentiment.

4 Sep

3 Zacks, 8:54 AM
Options trading activity for Bay Commercial Bank (BCML) has surged, indicating a potential spike in the stock price. Analysts have noted a significant increase in call options, suggesting that investors are betting on a rise in the stock. This trend may reflect growing confidence in the bank's future performance or upcoming developments that could positively impact its market position. Increased options activity suggests a moderate influence on investor sentiment and potential stock performance.

22 Aug

3 , 10:34 AM
Bay Commercial Bank (BCML) is highlighted among four bank stocks that have announced dividend hikes this week, indicating a positive trend in shareholder returns and financial health. The article emphasizes the importance of monitoring these stocks for potential investment opportunities as they reflect strong performance and confidence in future earnings. Dividend hikes suggest a moderately positive influence on investor sentiment and financial performance.

21 Aug

4 , 4:30 PM
BayCom Corp has announced a 25% increase in its quarterly cash dividend, raising it to $0.25 per share. This decision reflects the company's strong financial performance and commitment to returning value to shareholders. The dividend increase is expected to enhance investor confidence and attract more interest in the stock. The dividend increase signals strong financial health and could significantly boost investor sentiment and market performance.

17 Jul

3 Zacks, 6:05 PM
Bay Commercial Bank (BCML) reported Q2 earnings of $0.58 per share, exceeding the Zacks Consensus Estimate of $0.55 and up from $0.50 a year ago, marking a +5.45% earnings surprise. However, revenues of $24.67 million fell short of expectations by 1.31%, compared to $23.78 million last year. The bank has surpassed EPS estimates three times in the last four quarters but has only topped revenue estimates once. The stock has gained 2.2% year-to-date, underperforming the S&P 500's 6.5% increase. The current Zacks Rank for BCML is #3 (Hold), indicating expected performance in line with the market. Future estimates for the upcoming quarter and fiscal year are $0.52 EPS on $24.8 million revenues and $2.27 EPS on $101.4 million revenues, respectively. The Banks - West industry ranks in the top 29% of Zacks industries. Earnings performance and revenue miss indicate moderate influence on future financial performance.

11 Jul

4 , 6:18 AM
Investing in Bay Commercial Bank (BCML) five years ago would have yielded a 147% return, reflecting strong growth and performance in the banking sector. The bank's strategic initiatives and market positioning have contributed to this significant gain, attracting investor interest and confidence in its future prospects. The substantial return on investment indicates a significant positive trend in the bank's performance and market positioning.

31 May

3 , 9:04 AM
BayCom Corp (NASDAQ:BCML) has garnered significant support from institutional investors, who collectively own 62% of the company. This strong institutional backing may indicate confidence in the bank's future performance and stability, potentially influencing market sentiment positively. Institutional ownership at 62% suggests a moderately noticeable influence on market sentiment and investor confidence.

23 May

3 , 11:11 AM
Bay Commercial Bank (BCML) is highlighted among three stocks that have recently announced dividend increases amidst ongoing market volatility. The bank's decision to raise dividends reflects confidence in its financial stability and growth potential, which may attract investors looking for reliable income sources during uncertain economic times. The dividend hike indicates a moderately positive influence on investor sentiment and financial performance, but broader market conditions may limit its overall impact.

21 May

3 Insider Monkey, 10:02 PM
BayCom Corp (NASDAQ:BCML) announced a 33% increase in its quarterly dividend to $0.20 per share on May 21. The company, through its subsidiary United Business Bank, offers various loan options and deposit products across several states. Since starting its dividend program in 2022, BayCom has consistently raised dividends, achieving a 100% increase in the first year and 50% in the second. The current dividend yield is 2.26%, with the stock trading ex-dividend on June 12. BCML's stock has risen by 30% over the past year, although some analysts suggest that other undervalued dividend stocks may offer better returns. The dividend increase reflects positively on financial performance and investor sentiment but is not expected to fundamentally alter the company's trajectory.

6 May

3 Zacks, 2:52 PM
BayCom Corp (BCML) is experiencing significant activity in the options market, particularly with the June 20, 2025 $25 Put, which has high implied volatility. This suggests that investors anticipate a substantial price movement, possibly due to an upcoming event. Currently, BayCom holds a Zacks Rank #4 (Sell) in the Banks – West industry, with no analysts increasing earnings estimates for the current quarter, leading to a slight decrease in the consensus estimate from 56 cents to 55 cents per share. The high implied volatility may indicate a developing trade, as seasoned options traders often seek to sell premium in such scenarios. The lack of analyst upgrades and the high implied volatility suggest moderate influence on market sentiment and financial performance.

20 Apr

3 , 8:07 AM
Bay Commercial Bank (BCML) reported its first quarter 2025 earnings, which fell short of market expectations. The bank's financial performance was impacted by various factors, leading to concerns among investors about its future trajectory. Analysts had anticipated stronger results, but the actual figures revealed weaknesses that could affect the bank's competitive positioning and market sentiment moving forward. Earnings miss indicates potential challenges in financial performance and market perception.

16 Mar

4 , 9:08 AM
Bay Commercial Bank (BCML) reported its full-year 2024 earnings, with earnings per share (EPS) surpassing analysts' expectations. The bank's financial performance showed strong growth, driven by increased loan demand and effective cost management strategies. This positive outcome reflects the bank's resilience in a competitive market and positions it favorably for future growth. Investors reacted positively to the news, indicating confidence in the bank's strategic direction and operational efficiency. The earnings beat indicates significant operational strength and potential for future growth, impacting investor sentiment positively.

9 Mar

3 Simply Wall St., 9:29 AM
BayCom Corp (NASDAQ:BCML) is set to trade ex-dividend in three days, with a dividend of US$0.15 per share payable on April 10. Over the past year, the company has distributed US$0.60 per share, resulting in a trailing yield of 2.3% based on the current share price of US$26.18. BayCom's payout ratio is 21%, indicating a sustainable dividend. Earnings per share have grown by 7.8% annually over the last five years, and dividends have increased by approximately 44% per year on average in the past three years. While the company shows promise as a dividend stock, potential investors should be aware of associated risks. Earnings growth and a low payout ratio suggest moderate influence on financial performance and dividend sustainability.