BCML Valuation

BayCom Corp

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28.060

-0.55(-1.922%)1D

Overview
Forecast
Valuation
Earnings

BCML Relative Valuation

BCML's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, BCML is overvalued; if below, it's undervalued.

Historical Valuation

BayCom Corp (BCML) is now in the Overvalued zone, suggesting that its current forward PE ratio of 11.55 is considered Overvalued compared with the five-year average of 9.68. The fair price of BayCom Corp (BCML) is between 20.24 to 26.28 according to relative valuation methord. Compared to the current price of 28.06 USD , BayCom Corp is Overvalued By 6.77%.

Relative Value

Fair Zone

20.24-26.28

Current Price：28.06

6.77%

Overvalued

11.55

Trailing

Forward

0.00

EV/EBITDA

BayCom Corp. (BCML) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

NaN

EV/EBIT

BayCom Corp. (BCML) has a current EV/EBIT of NaN. The 5-year average EV/EBIT is NaN. The thresholds are as follows: Strongly Undervalued below NaN, Undervalued between NaN and NaN, Fairly Valued between NaN and NaN, Overvalued between NaN and NaN, and Strongly Overvalued above NaN. The current Forward EV/EBIT of NaN falls within the range.

3.12

BayCom Corp. (BCML) has a current PS of 3.12. The 5-year average PS is 2.52. The thresholds are as follows: Strongly Undervalued below 1.80, Undervalued between 1.80 and 2.16, Fairly Valued between 2.88 and 2.16, Overvalued between 2.88 and 3.24, and Strongly Overvalued above 3.24. The current Forward PS of 3.12 falls within the Overvalued range.

0.00

P/OCF

BayCom Corp. (BCML) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

BayCom Corp. (BCML) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

BayCom Corp (BCML) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.79 , the current P/B ratio is approximately 16.25% higher. Relative to its 5-year average P/B ratio of 0.78, the current P/B ratio is about 18.22% higher. BayCom Corp (BCML) has a Forward Free Cash Flow (FCF) yield of approximately 10.32%. Compared to its 3-year average FCF yield of 11.85%, the current FCF yield is approximately -12.90% lower. Relative to its 5-year average FCF yield of 8.83% , the current FCF yield is about 16.94% lower.

0.92

P/B

Median3y

0.79

Median5y

0.78

10.32

FCF Yield

Median3y

11.85

Median5y

8.83

Competitors Valuation Multiple

The average P/S ratio for BCML's competitors is 2.37, providing a benchmark for relative valuation. BayCom Corp Corp (BCML) exhibits a P/S ratio of 3.12, which is 31.95% above the industry average. Given its robust revenue growth of 1.36%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

West Bancorporation Inc

Citizens & Northern Corp

Bankwell Financial Group Inc

Performance Decomposition

Market capitalization of BCML increased by 22.98% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 24.96 to 27.99.

The secondary factor is the P/E Change, contributed 9.48%to the performance.

Overall, the performance of BCML in the past 1 year is driven by Margin Expansion. Which is more sustainable.

1.36%

22.43M → 22.74M

Revenue Growth

12.14%

24.96 → 27.99

Margin Expansion

9.48%

11.76 → 12.87

P/E Change

22.98%