BayCom (BCML) Stock Analysis & Winston Score

BayCom Corp is a small regional bank holding company based in the San Francisco Bay Area of California. It operates through United Business Bank, which provides everyday banking services like checking accounts, loans, and deposits to small and medium-sized businesses. The bank focuses mainly on commercial customers rather than individual consumers.

BayCom makes money the traditional banking way — it takes in deposits and lends that money out at higher interest rates, earning the difference. The bank operates primarily in California, with some presence in other western states, and has a market cap of around $300 million, making it a community-level institution. Its focus on business banking in specific local markets gives it some regional relationships, but it faces real competition from larger banks with more resources and technology. Rising interest rates can help or hurt its profit margins depending on how its loans and deposits are structured, which remains a key risk to watch.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+5.9% YoY

YoY Growth Rate

Slow revenue growth

EPS Growth

+47.1% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

7.5%ownership

↑ Rising

Insiders increasing their stake — aligned with shareholders

Cash Position

Cash flow positive

$19M cash & investments

Quarterly Free Cash Flow

→ Burn rate stable

Company generates more cash than it spends — no dilution risk from fundraising

Growth context

BayCom is growing revenue at 6% year-over-year. The Winston Score measures business quality today — these growth metrics show what could matter tomorrow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

+0.1% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 10.9M (2021) → 10.9M (2025)

Score breakdown

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Quality

Gross Margin

75.9%

Premium pricing power — 75.9% gross margin

Operating Margin

30.2%

Excellent — 30.2% operating margin

ROCE

3.1%

Weak — 3.1% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+4.5%

Slow sales growth (4.5% YoY)

EPS YoY

+15.2%

Earnings growing fast (15.2% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

6/8 quarters

Earnings grew in most of the last 8 quarters

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Cash Flow

Cash Conversion

85%

Modest — 85% of profit becomes cash

FCF Margin

14.2%

Converts sales into free cash efficiently (14.2%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

Debt / Equity

0.02

Conservative — low debt load (0.02)

Interest Cover

0.88x

Dangerous — barely covers interest (0.9x)

Interest coverage below 1. Their profits don't cover the interest bill.

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Valuation

P/E Ratio (TTM)

14.0x

Attractive valuation — P/E 14.0

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

P/E vs Forward

+1.8

GROWING

Earnings expected to grow — slightly cheaper on forward P/E

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Dividends

Dividend Yield

3.44%

Moderate income — 3.44% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+91.7%

Dividend growing fast (91.7% YoY)

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