View ValuationBayCom 将来の成長Future 基準チェック /16BayComは、9.8%と2.9%でそれぞれ年率9.8%で利益と収益が成長すると予測される一方、EPSはgrowで9.8%年率。主要情報9.8%収益成長率9.82%EPS成長率Banks 収益成長8.2%収益成長率2.9%将来の株主資本利益率n/aアナリストカバレッジLow最終更新日27 Apr 2026今後の成長に関する最新情報Price Target Changed • Apr 10Price target increased by 7.4% to US$33.67Up from US$31.33, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$29.04. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.64 for next year compared to US$2.18 last year.分析記事 • Jan 25BayCom Corp (NASDAQ:BCML) Annual Results Just Came Out: Here's What Analysts Are Forecasting For This YearLast week saw the newest annual earnings release from BayCom Corp ( NASDAQ:BCML ), an important milestone in the...Price Target Changed • Jan 28Price target increased by 12% to US$31.67Up from US$28.25, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$28.22. Stock is up 31% over the past year. The company is forecast to post earnings per share of US$2.30 for next year compared to US$2.10 last year.Price Target Changed • Oct 23Price target increased by 10% to US$28.67Up from US$26.00, the current price target is an average from 3 analysts. New target price is 17% above last closing price of US$24.59. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.06 for next year compared to US$2.27 last year.Price Target Changed • Jul 22Price target increased by 8.5% to US$25.67Up from US$23.67, the current price target is an average from 3 analysts. New target price is 11% above last closing price of US$23.14. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.03 for next year compared to US$2.27 last year.Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$94.8m to US$89.2m. EPS estimate also fell from US$2.31 per share to US$1.99 per share. Net income forecast to shrink 13% next year vs 0.9% growth forecast for Banks industry in the US . Consensus price target down from US$25.50 to US$23.67. Share price was steady at US$20.11 over the past week.すべての更新を表示Recent updatesBuy Or Sell Opportunity • May 15Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.7% to US$29.84. The fair value is estimated to be US$37.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 2.6% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 1.9% in a year. Earnings are forecast to grow by 0.3% in the next year.Recent Insider Transactions • May 11Executive Vice Chair recently bought US$998k worth of stockOn the 6th of May, William Black bought around 33k shares on-market at roughly US$30.17 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was William's only on-market trade for the last 12 months.お知らせ • May 02BayCom Corp, Annual General Meeting, Jun 16, 2026BayCom Corp, Annual General Meeting, Jun 16, 2026.Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Mike Perdue was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.75 (up from US$0.51 in 1Q 2025). Revenue: US$27.4m (up 16% from 1Q 2025). Net income: US$8.18m (up 44% from 1Q 2025). Profit margin: 30% (up from 24% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 25%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Apr 24+ 1 more updateBayCom Corp Announces Appointment of Michael J. Perdue as Director, Effective April 22, 2026BayCom Corp. announced that Mr. Michael J. Perdue is appointed as a director of the Company, effective April 22, 2026. Mr. Perdue, a widely recognized community banking leader in California, brings more than four decades of leadership experience across commercial banking, operational expertise and public company governance. Mr. Perdue most recently served as President of Pacific Western Bank’s San Diego and Desert Regions, a role he held following PacWest Bancorp’s acquisition of First Community Bancorp. Prior to that, he served as President of First Community Bancorp and Pacific Western Bank, and earlier as President, Chief Executive Officer, and Director of Community Bancorp Inc. which he led through a period of significant growth and strategic acquisitions before its sale. Over his career, Mr. Perdue has built, acquired, integrated, and led community banks across Southern California, earning a reputation as a disciplined operator, a thoughtful steward of shareholder capital, and a banker who genuinely puts people first. Mr. Perdue’s appointment continues BayCom’s commitment to assembling a leadership team and Board of exceptional caliber.お知らせ • Apr 10+ 1 more updateBayCom Corp Announces CEO ChangesOn April 7, 2026, the Board of Directors of BayCom Corp. (the “Company”) approved a leadership transition of the Company’s senior management team as part of its ongoing commitment to the Company’s long-term strategic objectives. the Board approved: the termination without cause of the Company’s Chief Executive Officer (“CEO”); the appointment of an Executive Vice Chair, a new CEO, and new CFO; and related changes to the composition of the Board of the Company. Departing Officers: Chief Executive Officer. George J. Guarini has served as the Company’s CEO since formation in 2004. On April 7, 2026, the Board approved the involuntary termination of Mr. Guarini’s employment without cause and delivered written notice of termination to Mr. Guarini in accordance with the 90-day notice requirement under his employment agreement. Effective April 10, 2026, Mr. Guarini will cease serving as President and Chief Executive Officer of the Company and the Bank and will no longer hold those titles or any other executive officer position. From April 10, 2026 through July 6, 2026 (the "CEO Separation Date"), Mr. Guarini will continue as a full-time, non-executive employee of the Company and the Bank, during which time he will continue to receive his base salary and benefits in accordance with his employment agreement and will provide transition assistance to the incoming executive team as reasonably requested. New Chief Executive Officer. Effective as of April 13, 2026, the Board appointed Christopher F. Baron, age 56, President and CEO of the Company. Mr. Baron has served as President, Commercial & Community Bank of Banc of California since 2023, where he leads the commercial and community banking platform across central and southern California and Colorado, overseeing deposit and loan portfolios in excess of $10 billion and a network of 68 branches. Prior to that role, Mr. Baron served as President of the Los Angeles Region at Pacific Western Bank from 2020 to 2023, and as Managing Director of Tax-Exempt Lending at that institution from 2017 to 2020, where he led the bank's financing activities for municipalities, nonprofits, and affordable housing. Earlier in his career, Mr. Baron served as Managing Director of Public Finance for the Western U.S. at MUFG Union Bank /BTMU Securities (2013–2017), and held two Managing Director roles at U.S. Bank (2009–2014), including Head of the Education & Nonprofits Division, where he oversaw a national team and a portfolio of approximately $4 billion. He has also held senior positions at Bank of New York Mellon, Allied Irish Bank, Union Bank of California, Sumitomo Bank, and National Westminster Bank. Mr. Baron holds a B.A. in Economics from the University of California, Los Angeles. Mr. Baron brings over 25 years of experience as a senior commercial banking executive with deep experience leading large-scale banking organizations and building high-performing teams across major U.S. markets.Price Target Changed • Apr 10Price target increased by 7.4% to US$33.67Up from US$31.33, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$29.04. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.64 for next year compared to US$2.18 last year.Buy Or Sell Opportunity • Apr 10Now 26% undervaluedOver the last 90 days, the stock has risen 1.3% to US$29.04. The fair value is estimated to be US$39.34, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue is forecast to grow by 17% in 2 years. Earnings are forecast to grow by 32% in the next 2 years.Reported Earnings • Mar 17Full year 2025 earnings: EPS in line with expectations, revenues disappointFull year 2025 results: EPS: US$2.18 (up from US$2.10 in FY 2024). Revenue: US$96.5m (flat on FY 2024). Net income: US$23.9m (up 1.3% from FY 2024). Profit margin: 25% (in line with FY 2024). Net interest margin (NIM): 3.82% (up from 3.74% in FY 2024). Cost-to-income ratio: 63.5% (down from 65.8% in FY 2024). Non-performing loans: 0.65% (up from 0.48% in FY 2024). Revenue missed analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.5% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 16% per year, which means it is tracking significantly ahead of earnings growth.Declared Dividend • Feb 24Fourth quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 12th March 2026 Payment date: 9th April 2026 Dividend yield will be 3.6%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (41% payout ratio) and is expected to be well covered in 3 years' time (41% forecast payout ratio). The dividend has increased by an average of 57% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Feb 20BayCom Corp Declares Quarterly Cash Dividend. Payable on April 9, 2026BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share on the Company's common stock. The dividend is payable on April 9, 2026 to shareholders of record as of the close of business on March 12, 2026.分析記事 • Jan 25BayCom Corp (NASDAQ:BCML) Annual Results Just Came Out: Here's What Analysts Are Forecasting For This YearLast week saw the newest annual earnings release from BayCom Corp ( NASDAQ:BCML ), an important milestone in the...Reported Earnings • Jan 23Full year 2025 earnings: EPS in line with expectations, revenues disappointFull year 2025 results: EPS: US$2.18 (up from US$2.10 in FY 2024). Revenue: US$96.5m (flat on FY 2024). Net income: US$23.9m (up 1.3% from FY 2024). Profit margin: 25% (in line with FY 2024). Revenue missed analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 9.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.Buy Or Sell Opportunity • Dec 11Now 20% undervaluedOver the last 90 days, the stock has risen 3.9% to US$30.80. The fair value is estimated to be US$38.68, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 3.8%. Revenue is forecast to grow by 14% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.分析記事 • Nov 25BayCom's (NASDAQ:BCML) Dividend Will Be Increased To $0.30BayCom Corp's ( NASDAQ:BCML ) dividend will be increasing from last year's payment of the same period to $0.30 on 9th...Declared Dividend • Nov 24Third quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 11th December 2025 Payment date: 9th January 2026 Dividend yield will be 3.1%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (36% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 50% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 28% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Nov 21BayCom Corp Increases Quarterly Cash Dividend, Payable on January 9, 2026BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share on the Company's common stock, which represents a 20% increase (from $0.25 per share) in the Company’s quarterly dividend. The dividend is payable on January 9, 2026 to shareholders of record as of the close of business on December 11, 2025.Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2025 results: EPS: US$0.46 (down from US$0.54 in 3Q 2024). Revenue: US$22.7m (down 6.9% from 3Q 2024). Net income: US$5.01m (down 17% from 3Q 2024). Profit margin: 22% (down from 25% in 3Q 2024). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 4.1%. Earnings per share (EPS) exceeded analyst estimates by 1.5%. Revenue is forecast to grow 8.0% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 13% per year, which means it is tracking significantly ahead of earnings growth.Declared Dividend • Aug 25Second quarter dividend of US$0.25 announcedShareholders will receive a dividend of US$0.25. Ex-date: 11th September 2025 Payment date: 9th October 2025 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 15% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • Aug 22BayCom Corp Declares Quarterly Cash Dividend, Payable on October 9, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share on the Company's common stock, which represents a 25% increase (from $0.20 per share) in the Company’s quarterly dividend. The dividend is payable on October 9, 2025 to shareholders of record as of the close of business on September 11, 2025.Recent Insider Transactions Derivative • Aug 05President notifies of intention to sell stockGeorge Guarini intends to sell 28k shares in the next 90 days after lodging an Intent To Sell Form on the 4th of August. If the sale is conducted around the recent share price of US$27.21, it would amount to US$759k. For the year to December 2018, George's total compensation was 63% salary and 37% non-salary. Since March 2025, George's direct individual holding has decreased from 74.64k shares to 57.58k. There has only been one transaction (US$743k sale) from insiders over the last 12 months.Reported Earnings • Jul 18Second quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2025 results: EPS: US$0.58 (up from US$0.50 in 2Q 2024). Revenue: US$24.5m (up 3.7% from 2Q 2024). Net income: US$6.36m (up 14% from 2Q 2024). Profit margin: 26% (up from 24% in 2Q 2024). Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) exceeded analyst estimates by 4.8%. Revenue is forecast to grow 6.1% p.a. on average during the next 2 years, compared to a 7.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 13% per year, which means it is tracking significantly ahead of earnings growth.お知らせ • Jul 18BayCom Corp Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025BayCom Corp. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company recorded net charge-offs of $13,000, compared to net charge-offs of $102,000 in the prior quarter of 2025 and net charge-offs of $76,000 in the second quarter of 2024.分析記事 • Jun 01BayCom's (NASDAQ:BCML) Shareholders Will Receive A Bigger Dividend Than Last YearBayCom Corp ( NASDAQ:BCML ) has announced that it will be increasing its dividend from last year's comparable payment...Declared Dividend • Jun 01First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 12th June 2025 Payment date: 10th July 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 44% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 11% over the next year, which should provide support to the dividend and adequate earnings cover.お知らせ • May 22BayCom Corp. Increases Quarterly Cash Dividend, Payable on July 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.20 per share on the Company's common stock, which represents a 33% increase (from $0.15 per share) in the Company’s quarterly dividend. The dividend is payable on July 10, 2025 to shareholders of record as of the close of business on June 12, 2025.お知らせ • Apr 28BayCom Corp, Annual General Meeting, Jun 17, 2025BayCom Corp, Annual General Meeting, Jun 17, 2025.Reported Earnings • Apr 20First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: EPS: US$0.51. Revenue: US$23.7m (down 2.2% from 1Q 2024). Net income: US$5.70m (down 3.0% from 1Q 2024). Profit margin: 24% (in line with 1Q 2024). Revenue missed analyst estimates by 4.9%. Earnings per share (EPS) also missed analyst estimates by 1.3%. Revenue is forecast to grow 5.7% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US.Reported Earnings • Mar 16Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$2.10 (down from US$2.27 in FY 2023). Revenue: US$96.3m (down 6.4% from FY 2023). Net income: US$23.6m (down 14% from FY 2023). Profit margin: 25% (down from 27% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.74% (down from 4.05% in FY 2023). Cost-to-income ratio: 65.8% (up from 61.7% in FY 2023). Non-performing loans: 0.48% (down from 0.67% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.9%. Revenue is forecast to grow 4.7% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 4% per year.Recent Insider Transactions • Mar 04President recently sold US$743k worth of stockOn the 3rd of March, George Guarini sold around 27k shares on-market at roughly US$27.50 per share. This transaction amounted to 27% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was George's only on-market trade for the last 12 months.Recent Insider Transactions Derivative • Feb 27President notifies of intention to sell stockGeorge Guarini intends to sell 27k shares in the next 90 days after lodging an Intent To Sell Form on the 26th of February. If the sale is conducted around the recent share price of US$27.61, it would amount to US$745k. For the year to December 2018, George's total compensation was 65% salary and 35% non-salary. Since June 2024, George's direct individual holding has decreased from 261.90k shares to 101.64k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.Declared Dividend • Feb 24Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 13th March 2025 Payment date: 10th April 2025 Dividend yield will be 1.9%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (21% payout ratio) and is expected to be well covered in 3 years' time (24% forecast payout ratio). The dividend has increased by an average of 44% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 18% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Feb 21BayCom Corp Announces Quarterly Cash Dividend, Payable on April 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's common stock. The dividend is payable on April 10, 2025 to shareholders of record as of the close of business on March 13, 2025.Price Target Changed • Jan 28Price target increased by 12% to US$31.67Up from US$28.25, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$28.22. Stock is up 31% over the past year. The company is forecast to post earnings per share of US$2.30 for next year compared to US$2.10 last year.Reported Earnings • Jan 24Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$2.10 (down from US$2.27 in FY 2023). Revenue: US$96.3m (down 6.4% from FY 2023). Net income: US$23.6m (down 14% from FY 2023). Profit margin: 25% (down from 27% in FY 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.9%. Revenue is forecast to grow 1.4% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 9% per year.Declared Dividend • Nov 25Third quarter dividend increased to US$0.15Dividend of US$0.15 is 50% higher than last year. Ex-date: 12th December 2024 Payment date: 10th January 2025 Dividend yield will be 1.5%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (19% payout ratio) and is expected to be well covered in 3 years' time (26% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 11% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Nov 21BayCom Corp Increases Quarterly Cash Dividend, Payable on January 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's outstanding common stock, which represents a 50% increase (from $0.10 per share) in the Company’s quarterly dividend. The dividend is payable on January 10, 2025 to shareholders of record as of the close of business on December 12, 2024.Board Change • Nov 08Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Syvia Magid was the last independent director to join the board, commencing their role in 2019. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.Price Target Changed • Oct 23Price target increased by 10% to US$28.67Up from US$26.00, the current price target is an average from 3 analysts. New target price is 17% above last closing price of US$24.59. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.06 for next year compared to US$2.27 last year.Reported Earnings • Oct 18Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$0.54 (down from US$0.56 in 3Q 2023). Revenue: US$24.4m (down 5.5% from 3Q 2023). Net income: US$6.02m (down 9.2% from 3Q 2023). Profit margin: 25% (down from 26% in 3Q 2023). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.2%. Earnings per share (EPS) also surpassed analyst estimates by 5.9%. Revenue is forecast to grow 1.6% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year whereas the company’s share price has increased by 10% per year.お知らせ • Oct 18+ 1 more updateBayCom Corp Announces Board and Committee Appointments, Effective November 1, 2024BayCom Corp. announced that Bhupen B. Amin and Dennis Guida were appointed as directors of the Company, effective November 1, 2024. Mr. Guida also was appointed as a member of the Compensation Committee and the Corporate Governance and Nominating Committee of the company’s Board of Directors, which appointments are also effective as of November 1, 2024. The Board committees to which Mr. Amin will be appointed have not yet been determined. Messrs. Amin and Guida, who have been directors of the Bank since 2011 and 2022, respectively, will continue to serve in that capacity. The appointments of Messrs. Amin and Guida to the Company’s Board of Directors follow the recent retirement of James S. Camp as a director of the Company and the Bank. Mr. Amin is General Counsel and Chief Operating Officer of Lotus Hotels and Investments in Walnut Creek, California. In this position, Mr. Amin is responsible for the development, management, financing and operations of several hotel properties, shopping centers and self-storage facilities. Prior to joining Lotus, Mr. Amin was an attorney at the Law Offices of Bowles & Verna in Walnut Creek, California. Mr. Amin serves on the nominating committee and Board of Directors of the California Hotel & Lodging Association (CH&LA) and is an active member of the governmental affairs committee of the American Hotel & Lodging Association (AH&LA) in Washington D.C. Mr. Amin became the first Indian-American to be elected Chairman of CH&LA, the larger state hotel association in the nation. Mr. Amin also acts as a Pro Tem Judge in the Alameda County Superior Courts and serves on the board of directors of Brookside Health Center, a non-profit FQHC serving underprivileged families in the East Bay Area. Mr. Amin earned his law degree from the University of California, Davis and his undergraduate degree from the Haas School of Business at the University of California, Berkeley. Mr. Guida is the Managing Director for HBP Analytics, LLC and the former Chairman of Pacific Enterprise Bank (Irvine, CA) and Southport Financial Corporation (Kenosha, WI). With 40 years of banking industry experience, he has held the positions of chairman, director, CEO, CFO, and bank consultant. Mr. Guida specializes in asset-liability management (“ALM”) and has provided ALM third-party reviews/model validations and advisory services to more than 300 banking clients. These institutions range in size from de novo banks to companies with over $18 billion in assets. Mr. Guida holds a B.S. in Business Management from the University of Redlands (Redlands, CA) and an M.B.A. from National University (San Diego, CA) and is a graduate of The School of Bank Administration (Madison, WI).お知らせ • Oct 11BayCom Corp and United Business Bank Announces Retirement of James S. Camp as DirectorOn October 7, 2024, James S. Camp notified the Boards of Directors of BayCom Corp. (the “Company”) and its wholly owned subsidiary, United Business Bank (the “Bank”), of his decision to retire as a director of the Company and the Bank, effective immediately. Mr. Camp indicated that his decision to retire was for personal reasons and not as a result of any disagreement with the Boards or the Company's or the Bank’s management.Upcoming Dividend • Sep 12Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 19 September 2024. Payment date: 10 October 2024. Payout ratio is a comfortable 19% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.0%).分析記事 • Aug 27BayCom (NASDAQ:BCML) Is Paying Out A Dividend Of $0.10The board of BayCom Corp ( NASDAQ:BCML ) has announced that it will pay a dividend of $0.10 per share on the 10th of...Declared Dividend • Aug 26Second quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 19th September 2024 Payment date: 10th October 2024 Dividend yield will be 1.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.お知らせ • Aug 23BayCom Corp Announces Quarterly Cash Dividend, Payable on October 10, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's common stock. The dividend is payable on October 10, 2024 to shareholders of record as of the close of business on September 19, 2024.Price Target Changed • Jul 22Price target increased by 8.5% to US$25.67Up from US$23.67, the current price target is an average from 3 analysts. New target price is 11% above last closing price of US$23.14. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.03 for next year compared to US$2.27 last year.Reported Earnings • Jul 19Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: US$0.50 (down from US$0.59 in 2Q 2023). Revenue: US$23.6m (down 11% from 2Q 2023). Net income: US$5.60m (down 22% from 2Q 2023). Profit margin: 24% (down from 27% in 2Q 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 2.7%. Revenue is expected to decline by 3.4% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.7%. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 8% per year.Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$23.42, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 12x in the Banks industry in the US. Total returns to shareholders of 35% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$36.28 per share.分析記事 • Jun 12This Is Why BayCom Corp's (NASDAQ:BCML) CEO Compensation Looks AppropriateKey Insights BayCom's Annual General Meeting to take place on 18th of June Salary of US$723.1k is part of CEO George...Declared Dividend • May 30First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 13th June 2024 Payment date: 11th July 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 3.9% over the next year. However, it would need to fall by 80% to increase the payout ratio to a potentially unsustainable range.お知らせ • May 25BayCom Corp Announces Quarterly Cash Dividend, Payable on July 11, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend is payable on July 11, 2024, to shareholders of record as of the close of business on June 13, 2024.Reported Earnings • May 13First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.51 (down from US$0.57 in 1Q 2023). Revenue: US$24.2m (down 8.8% from 1Q 2023). Net income: US$5.88m (down 18% from 1Q 2023). Profit margin: 24% (down from 27% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 8.1%. Revenue is expected to decline by 5.2% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.0%. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.お知らせ • Apr 28BayCom Corp, Annual General Meeting, Jun 18, 2024BayCom Corp, Annual General Meeting, Jun 18, 2024, at 14:30 Pacific Daylight. Location: Company’s Board Room, 500 Ygnacio Valley Road, Suite 200, Walnut Creek California United States Agenda: To consider the election of the eight nominees to the company’s board of directors, each for a one-year term; to consider an advisory (non-binding) vote on executive compensation; to consider an advisory (non-binding) vote as to whether future advisory votes on executive compensation should be held every one year, every two years or every three years; to consider the approval of the its 2024 omnibus incentive plan; to consider the ratification of the appointment of moss adams llp to serve as the independent registered public accounting firm for the company for the fiscal year ending december 31, 2024; and to consider other matters.Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$94.8m to US$89.2m. EPS estimate also fell from US$2.31 per share to US$1.99 per share. Net income forecast to shrink 13% next year vs 0.9% growth forecast for Banks industry in the US . Consensus price target down from US$25.50 to US$23.67. Share price was steady at US$20.11 over the past week.Price Target Changed • Apr 23Price target decreased by 7.2% to US$23.67Down from US$25.50, the current price target is an average from 3 analysts. New target price is 22% above last closing price of US$19.41. Stock is up 22% over the past year. The company is forecast to post earnings per share of US$1.99 for next year compared to US$2.27 last year.Reported Earnings • Apr 19First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.51 (down from US$0.57 in 1Q 2023). Revenue: US$24.2m (down 8.8% from 1Q 2023). Net income: US$5.88m (down 18% from 1Q 2023). Profit margin: 24% (down from 27% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 8.1%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.8%. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 17Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$2.27 (up from US$1.81 in FY 2022). Revenue: US$102.8m (up 6.3% from FY 2022). Net income: US$27.4m (up 16% from FY 2022). Profit margin: 27% (up from 25% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.05% (up from 3.90% in FY 2022). Cost-to-income ratio: 61.7% (down from 64.1% in FY 2022). Non-performing loans: 0.67% (down from 0.75% in FY 2022). Revenue missed analyst estimates by 3.6%. Earnings per share (EPS) also missed analyst estimates by 1.1%. Revenue is expected to decline by 2.4% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.9%. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.Declared Dividend • Mar 10Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 14th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (18% payout ratio) and is expected to be well covered in 3 years' time (17% forecast payout ratio). The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 5.0% over the next 2 years, which should provide support to the dividend and adequate earnings cover.Upcoming Dividend • Feb 29Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 07 March 2024. Payment date: 12 April 2024. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.1%).Declared Dividend • Feb 28Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 7th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (18% payout ratio) and is expected to be well covered in 3 years' time (17% forecast payout ratio). The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 5.0% over the next 2 years, which should provide support to the dividend and adequate earnings cover.お知らせ • Feb 23BayCom Corp Declares Quarterly Cash Dividend, Payable on April 12, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the company's outstanding common stock. The cash dividend will be payable on April 12, 2024 to shareholders of record as of the close of business on March 8, 2024.Reported Earnings • Jan 26Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$2.27 (up from US$1.81 in FY 2022). Revenue: US$102.8m (up 6.3% from FY 2022). Net income: US$27.4m (up 16% from FY 2022). Profit margin: 27% (up from 25% in FY 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 3.6%. Earnings per share (EPS) also missed analyst estimates by 1.1%. Revenue is forecast to stay flat during the next 2 years compared to a 5.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 13% per year.お知らせ • Jan 26Baycom Corp. Announces Impairment Results for the Fourth Quarter Ended December 31, 2023Baycom Corp. announced impairment results for the fourth quarter ended December 31, 2023. For the quarter, Company recorded net charge-offs of $150,000 compared to net charge-offs of $25,000 in the prior quarter of 2023 and net recoveries of $233,000 in the fourth quarter of 2022.Upcoming Dividend • Dec 06Upcoming dividend of US$0.10 per share at 1.9% yieldEligible shareholders must have bought the stock before 13 December 2023. Payment date: 12 January 2024. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.5%).お知らせ • Nov 29BayCom Corp Declares Quarterly Cash Dividend, Payable on January 12, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on January 12, 2024 to shareholders of record as of the close of business on December 14, 2023.Reported Earnings • Oct 20Third quarter 2023 earnings: EPS and revenues exceed analyst expectationsThird quarter 2023 results: EPS: US$0.56. Revenue: US$25.8m (down 1.8% from 3Q 2022). Net income: US$6.63m (down 8.3% from 3Q 2022). Profit margin: 26% (down from 28% in 3Q 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 2.1% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in the US.お知らせ • Oct 20BayCom Corp Reports Net Charge-Offs for the Third Quarter Ended September 30, 2023BayCom Corp. reported net charge-offs for the third quarter ended September 30, 2023. For the quarter, the company reported net charge-offs of $25,000 for the third quarter of 2023, compared to net charge-offs of $60,000 in the prior quarter of 2023 and net charge-offs of $944,000 in the third quarter of 2022.Upcoming Dividend • Sep 07Upcoming dividend of US$0.10 per share at 2.1% yieldEligible shareholders must have bought the stock before 14 September 2023. Payment date: 13 October 2023. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.7%).お知らせ • Aug 19BayCom Corp Declares Quarterly Cash Dividend, Payable on October 13, 2023BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on October 13, 2023, to shareholders of record as of the close of business on September 15, 2023.Price Target Changed • Jul 30Price target increased by 7.8% to US$23.17Up from US$21.50, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$19.96. Stock is up 1.9% over the past year. The company is forecast to post earnings per share of US$2.21 for next year compared to US$1.81 last year.New Risk • Jul 29New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 6.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 6.5% per year for the foreseeable future. Minor Risk Short dividend paying track record (1 year of continuous dividend payments).Reported Earnings • Jul 26First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.57 (up from US$0.41 in 1Q 2022). Revenue: US$26.5m (up 14% from 1Q 2022). Net income: US$7.19m (up 38% from 1Q 2022). Profit margin: 27% (up from 22% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 5.6%. Earnings per share (EPS) also missed analyst estimates by 5.2%. Revenue is forecast to stay flat during the next 2 years compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 19% per year.Upcoming Dividend • Jun 08Upcoming dividend of US$0.10 per share at 2.2% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 14 July 2023. Payout ratio is a comfortable 12% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (5.0%). Lower than average of industry peers (3.6%).お知らせ • May 19BayCom Corp Declares Quarterly Cash Dividend, Payable on July 14, 2023BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on July 14, 2023 to shareholders of record as of the close of business on June 16, 2023.Price Target Changed • Apr 28Price target decreased by 7.7% to US$22.00Down from US$23.83, the current price target is an average from 3 analysts. New target price is 32% above last closing price of US$16.68. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$2.24 for next year compared to US$2.06 last year.Reported Earnings • Apr 21First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.56 (up from US$0.51 in 1Q 2022). Revenue: US$26.3m (up 4.9% from 1Q 2022). Net income: US$7.05m (up 8.6% from 1Q 2022). Profit margin: 27% (in line with 1Q 2022). Revenue missed analyst estimates by 5.6%. Earnings per share (EPS) also missed analyst estimates by 5.2%. Revenue is forecast to grow 4.5% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.Upcoming Dividend • Mar 02Upcoming dividend of US$0.10 per share at 1.0% yieldEligible shareholders must have bought the stock before 09 March 2023. Payment date: 14 April 2023. Trailing yield: 1.0%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.0%).分析記事 • Jan 30Analysts Are Updating Their BayCom Corp (NASDAQ:BCML) Estimates After Its Full-Year ResultsThe full-year results for BayCom Corp ( NASDAQ:BCML ) were released last week, making it a good time to revisit its...Reported Earnings • Jan 27Full year 2022 earnings: EPS in line with expectations, revenues disappointFull year 2022 results: EPS: US$2.06 (up from US$1.90 in FY 2021). Revenue: US$101.3m (up 21% from FY 2021). Net income: US$27.0m (up 30% from FY 2021). Profit margin: 27% (up from 25% in FY 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 5.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Upcoming Dividend • Dec 08Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 15 December 2022. Payment date: 13 January 2023. Payout ratio is a comfortable 7.7% and this is well supported by cash flows. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.1%).Price Target Changed • Nov 16Price target decreased to US$23.83Down from US$25.83, the current price target is an average from 3 analysts. New target price is 27% above last closing price of US$18.81. Stock is down 1.9% over the past year. The company is forecast to post earnings per share of US$2.05 for next year compared to US$1.90 last year.Reported Earnings • Nov 16Third quarter 2022 earnings: EPS and revenues miss analyst expectationsThird quarter 2022 results: EPS: US$0.54 (up from US$0.51 in 3Q 2021). Revenue: US$26.3m (up 24% from 3Q 2021). Net income: US$7.23m (up 34% from 3Q 2021). Profit margin: 28% (up from 25% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.6%. Earnings per share (EPS) also missed analyst estimates by 6.4%. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Recent Insider Transactions • Nov 16Independent Director recently sold US$197k worth of stockOn the 10th of November, Robert Laverne sold around 10k shares on-market at roughly US$19.65 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$221k. Insiders have been net sellers, collectively disposing of US$507k more than they bought in the last 12 months.Recent Insider Transactions • Nov 11Independent Director recently sold US$197k worth of stockOn the 10th of November, Robert Laverne sold around 10k shares on-market at roughly US$19.65 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$221k. Insiders have been net sellers, collectively disposing of US$507k more than they bought in the last 12 months.Price Target Changed • Oct 25Price target decreased to US$23.83Down from US$25.83, the current price target is an average from 3 analysts. New target price is 26% above last closing price of US$18.89. Stock is up 2.6% over the past year. The company is forecast to post earnings per share of US$2.05 for next year compared to US$1.90 last year.Reported Earnings • Oct 22Third quarter 2022 earnings: EPS and revenues miss analyst expectationsThird quarter 2022 results: EPS: US$0.54 (up from US$0.51 in 3Q 2021). Revenue: US$26.3m (up 24% from 3Q 2021). Net income: US$7.23m (up 34% from 3Q 2021). Profit margin: 28% (up from 25% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.6%. Earnings per share (EPS) also missed analyst estimates by 6.4%. Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.Seeking Alpha • Oct 20Bay Commercial Bank GAAP EPS of $0.54 misses by $0.04, revenue of $27.47M beats by $2.34MBay Commercial Bank press release (NASDAQ:BCML): Q3 GAAP EPS of $0.54 misses by $0.04. Revenue of $27.47M (+26.3% Y/Y) beats by $2.34M.Upcoming Dividend • Sep 08Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 15 September 2022. Payment date: 14 October 2022. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.2%).Recent Insider Transactions • Aug 26Independent Director recently sold US$221k worth of stockOn the 22nd of August, Robert Laverne sold around 11k shares on-market at roughly US$19.43 per share. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.Reported Earnings • Jul 22Second quarter 2022 earnings: EPS and revenues miss analyst expectationsSecond quarter 2022 results: EPS: US$0.38 (down from US$0.49 in 2Q 2021). Revenue: US$22.6m (up 8.8% from 2Q 2021). Net income: US$5.22m (down 1.7% from 2Q 2021). Profit margin: 23% (down from 26% in 2Q 2021). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 7.5%. Earnings per share (EPS) also missed analyst estimates by 28%. Over the next year, revenue is forecast to grow 19%, compared to a 15% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.Seeking Alpha • Jul 21Bay Commercial Bank GAAP EPS of $0.38 misses by $0.15, revenue of $25.19M beats by $0.13MBay Commercial Bank press release (NASDAQ:BCML): Q2 GAAP EPS of $0.38 misses by $0.15. Revenue of $25.19M (+24.5% Y/Y) beats by $0.13M.Upcoming Dividend • Jun 09Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 15 July 2022. Trailing yield: 0.9%. Lower than top quartile of American dividend payers (3.9%). Lower than average of industry peers (2.8%).Major Estimate Revision • Apr 28Consensus forecasts updatedThe consensus outlook for 2022 has been updated. 2022 EPS estimate increased from US$1.91 to US$2.26. Revenue forecast unchanged at US$97.1m. Net income forecast to grow 36% next year vs 0.7% decline forecast for Banks industry in the US. Consensus price target up from US$26.00 to US$26.67. Share price was steady at US$23.02 over the past week.Reported Earnings • Apr 27First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$0.51 (up from US$0.40 in 1Q 2021). Revenue: US$25.1m (up 23% from 1Q 2021). Net income: US$6.49m (up 43% from 1Q 2021). Profit margin: 26% (up from 22% in 1Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) exceeded analyst estimates by 4.1%. Over the next year, revenue is forecast to grow 11%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.業績と収益の成長予測NasdaqGS:BCML - アナリストの将来予測と過去の財務データ ( )USD Millions日付収益収益フリー・キャッシュフロー営業活動によるキャッシュ平均アナリスト数12/31/202710531N/AN/A212/31/202610125N/AN/A23/31/2026100262830N/A12/31/202596243032N/A9/30/202595232931N/A6/30/202597243233N/A3/31/202596233435N/A12/31/202496242930N/A9/30/202496242831N/A6/30/202497252024N/A3/31/2024101262528N/A12/31/2023103272931N/A9/30/2023106293738N/A6/30/2023106294748N/A3/31/2023100264445N/A12/31/202297243940N/A9/30/202291222829N/A6/30/202287201313N/A3/31/202287211213N/A12/31/20218421910N/A9/30/2021822089N/A6/30/202179181518N/A3/31/202176151114N/A12/31/20207714710N/A9/30/2020781448N/A6/30/2020791646N/A3/31/2020791524N/A12/31/20197517N/A7N/A9/30/20196915N/A10N/A6/30/20196413N/A5N/A3/31/20195915N/A1N/A12/31/20185714N/A6N/A9/30/20185511N/A9N/A6/30/20185411N/A14N/A3/31/2018518N/A25N/A12/31/2017445N/A9N/A9/30/2017398N/AN/AN/A6/30/2017326N/AN/AN/A3/31/2017286N/AN/AN/A12/31/2016276N/A6N/A9/30/2016183N/AN/AN/A6/30/2016253N/AN/AN/A3/31/2016183N/AN/AN/A12/31/2015237N/A5N/A9/30/20152210N/AN/AN/A6/30/20152410N/AN/AN/Aもっと見るアナリストによる今後の成長予測収入対貯蓄率: BCMLの予測収益成長率 (年間9.8% ) は 貯蓄率 ( 3.5% ) を上回っています。収益対市場: BCMLの収益 ( 9.8% ) US市場 ( 16.8% ) よりも低い成長が予測されています。高成長収益: BCMLの収益は増加すると予測されていますが、大幅には増加しません。収益対市場: BCMLの収益 ( 2.9% ) US市場 ( 11.7% ) よりも低い成長が予測されています。高い収益成長: BCMLの収益 ( 2.9% ) 20%よりも低い成長が予測されています。一株当たり利益成長率予想将来の株主資本利益率将来のROE: BCMLの 自己資本利益率 が 3 年後に高くなると予測されるかどうかを判断するにはデータが不十分です成長企業の発掘7D1Y7D1Y7D1YBanks 業界の高成長企業。View Past Performance企業分析と財務データの現状データ最終更新日（UTC時間）企業分析2026/05/22 14:58終値2026/05/22 00:00収益2026/03/31年間収益2025/12/31データソース企業分析に使用したデータはS&P Global Market Intelligence LLC のものです。本レポートを作成するための分析モデルでは、以下のデータを使用しています。データは正規化されているため、ソースが利用可能になるまでに時間がかかる場合があります。パッケージデータタイムフレーム米国ソース例会社財務10年損益計算書キャッシュ・フロー計算書貸借対照表SECフォーム10-KSECフォーム10-Qアナリストのコンセンサス予想+プラス3年予想財務アナリストの目標株価アナリストリサーチレポートBlue Matrix市場価格30年株価配当、分割、措置ICEマーケットデータSECフォームS-1所有権10年トップ株主インサイダー取引SECフォーム4SECフォーム13Dマネジメント10年リーダーシップ・チーム取締役会SECフォーム10-KSECフォームDEF 14A主な進展10年会社からのお知らせSECフォーム8-K* 米国証券を対象とした例であり、非米国証券については、同等の規制書式および情報源を使用。特に断りのない限り、すべての財務データは1年ごとの期間に基づいていますが、四半期ごとに更新されます。これは、TTM（Trailing Twelve Month）またはLTM（Last Twelve Month）データとして知られています。詳細はこちら。分析モデルとスノーフレーク本レポートを生成するために使用した分析モデルの詳細は当社のGithubページでご覧いただけます。また、レポートの使用方法に関するガイドやYoutubeのチュートリアルも掲載しています。シンプリー・ウォールストリート分析モデルを設計・構築した世界トップクラスのチームについてご紹介します。業界およびセクターの指標私たちの業界とセクションの指標は、Simply Wall Stによって6時間ごとに計算されます。アナリスト筋BayCom Corp 3 これらのアナリストのうち、弊社レポートのインプットとして使用した売上高または利益の予想を提出したのは、 。アナリストの投稿は一日中更新されます。4 アナリスト機関Stephen MossB. Riley Securities, Inc.Gary TennerD.A. Davidson & Co.null nullD.A. Davidson & Co.1 その他のアナリストを表示
Price Target Changed • Apr 10Price target increased by 7.4% to US$33.67Up from US$31.33, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$29.04. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.64 for next year compared to US$2.18 last year.
分析記事 • Jan 25BayCom Corp (NASDAQ:BCML) Annual Results Just Came Out: Here's What Analysts Are Forecasting For This YearLast week saw the newest annual earnings release from BayCom Corp ( NASDAQ:BCML ), an important milestone in the...
Price Target Changed • Jan 28Price target increased by 12% to US$31.67Up from US$28.25, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$28.22. Stock is up 31% over the past year. The company is forecast to post earnings per share of US$2.30 for next year compared to US$2.10 last year.
Price Target Changed • Oct 23Price target increased by 10% to US$28.67Up from US$26.00, the current price target is an average from 3 analysts. New target price is 17% above last closing price of US$24.59. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.06 for next year compared to US$2.27 last year.
Price Target Changed • Jul 22Price target increased by 8.5% to US$25.67Up from US$23.67, the current price target is an average from 3 analysts. New target price is 11% above last closing price of US$23.14. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.03 for next year compared to US$2.27 last year.
Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$94.8m to US$89.2m. EPS estimate also fell from US$2.31 per share to US$1.99 per share. Net income forecast to shrink 13% next year vs 0.9% growth forecast for Banks industry in the US . Consensus price target down from US$25.50 to US$23.67. Share price was steady at US$20.11 over the past week.
Buy Or Sell Opportunity • May 15Now 21% undervalued after recent price dropOver the last 90 days, the stock has fallen 2.7% to US$29.84. The fair value is estimated to be US$37.57, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has declined by 2.6% over the last 3 years, while earnings per share has been flat. Revenue is forecast to grow by 1.9% in a year. Earnings are forecast to grow by 0.3% in the next year.
Recent Insider Transactions • May 11Executive Vice Chair recently bought US$998k worth of stockOn the 6th of May, William Black bought around 33k shares on-market at roughly US$30.17 per share. This trade did not impact their existing holding. This was the largest purchase by an insider in the last 3 months. This was William's only on-market trade for the last 12 months.
お知らせ • May 02BayCom Corp, Annual General Meeting, Jun 16, 2026BayCom Corp, Annual General Meeting, Jun 16, 2026.
Board Change • May 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Director Mike Perdue was the last director to join the board, commencing their role in 2026. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Apr 26First quarter 2026 earnings: EPS exceeds analyst expectationsFirst quarter 2026 results: EPS: US$0.75 (up from US$0.51 in 1Q 2025). Revenue: US$27.4m (up 16% from 1Q 2025). Net income: US$8.18m (up 44% from 1Q 2025). Profit margin: 30% (up from 24% in 1Q 2025). The increase in margin was driven by higher revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 25%. Revenue is forecast to grow 5.5% p.a. on average during the next 2 years, compared to a 8.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 1% per year but the company’s share price has increased by 21% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Apr 24+ 1 more updateBayCom Corp Announces Appointment of Michael J. Perdue as Director, Effective April 22, 2026BayCom Corp. announced that Mr. Michael J. Perdue is appointed as a director of the Company, effective April 22, 2026. Mr. Perdue, a widely recognized community banking leader in California, brings more than four decades of leadership experience across commercial banking, operational expertise and public company governance. Mr. Perdue most recently served as President of Pacific Western Bank’s San Diego and Desert Regions, a role he held following PacWest Bancorp’s acquisition of First Community Bancorp. Prior to that, he served as President of First Community Bancorp and Pacific Western Bank, and earlier as President, Chief Executive Officer, and Director of Community Bancorp Inc. which he led through a period of significant growth and strategic acquisitions before its sale. Over his career, Mr. Perdue has built, acquired, integrated, and led community banks across Southern California, earning a reputation as a disciplined operator, a thoughtful steward of shareholder capital, and a banker who genuinely puts people first. Mr. Perdue’s appointment continues BayCom’s commitment to assembling a leadership team and Board of exceptional caliber.
お知らせ • Apr 10+ 1 more updateBayCom Corp Announces CEO ChangesOn April 7, 2026, the Board of Directors of BayCom Corp. (the “Company”) approved a leadership transition of the Company’s senior management team as part of its ongoing commitment to the Company’s long-term strategic objectives. the Board approved: the termination without cause of the Company’s Chief Executive Officer (“CEO”); the appointment of an Executive Vice Chair, a new CEO, and new CFO; and related changes to the composition of the Board of the Company. Departing Officers: Chief Executive Officer. George J. Guarini has served as the Company’s CEO since formation in 2004. On April 7, 2026, the Board approved the involuntary termination of Mr. Guarini’s employment without cause and delivered written notice of termination to Mr. Guarini in accordance with the 90-day notice requirement under his employment agreement. Effective April 10, 2026, Mr. Guarini will cease serving as President and Chief Executive Officer of the Company and the Bank and will no longer hold those titles or any other executive officer position. From April 10, 2026 through July 6, 2026 (the "CEO Separation Date"), Mr. Guarini will continue as a full-time, non-executive employee of the Company and the Bank, during which time he will continue to receive his base salary and benefits in accordance with his employment agreement and will provide transition assistance to the incoming executive team as reasonably requested. New Chief Executive Officer. Effective as of April 13, 2026, the Board appointed Christopher F. Baron, age 56, President and CEO of the Company. Mr. Baron has served as President, Commercial & Community Bank of Banc of California since 2023, where he leads the commercial and community banking platform across central and southern California and Colorado, overseeing deposit and loan portfolios in excess of $10 billion and a network of 68 branches. Prior to that role, Mr. Baron served as President of the Los Angeles Region at Pacific Western Bank from 2020 to 2023, and as Managing Director of Tax-Exempt Lending at that institution from 2017 to 2020, where he led the bank's financing activities for municipalities, nonprofits, and affordable housing. Earlier in his career, Mr. Baron served as Managing Director of Public Finance for the Western U.S. at MUFG Union Bank /BTMU Securities (2013–2017), and held two Managing Director roles at U.S. Bank (2009–2014), including Head of the Education & Nonprofits Division, where he oversaw a national team and a portfolio of approximately $4 billion. He has also held senior positions at Bank of New York Mellon, Allied Irish Bank, Union Bank of California, Sumitomo Bank, and National Westminster Bank. Mr. Baron holds a B.A. in Economics from the University of California, Los Angeles. Mr. Baron brings over 25 years of experience as a senior commercial banking executive with deep experience leading large-scale banking organizations and building high-performing teams across major U.S. markets.
Price Target Changed • Apr 10Price target increased by 7.4% to US$33.67Up from US$31.33, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$29.04. Stock is up 16% over the past year. The company is forecast to post earnings per share of US$2.64 for next year compared to US$2.18 last year.
Buy Or Sell Opportunity • Apr 10Now 26% undervaluedOver the last 90 days, the stock has risen 1.3% to US$29.04. The fair value is estimated to be US$39.34, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue is forecast to grow by 17% in 2 years. Earnings are forecast to grow by 32% in the next 2 years.
Reported Earnings • Mar 17Full year 2025 earnings: EPS in line with expectations, revenues disappointFull year 2025 results: EPS: US$2.18 (up from US$2.10 in FY 2024). Revenue: US$96.5m (flat on FY 2024). Net income: US$23.9m (up 1.3% from FY 2024). Profit margin: 25% (in line with FY 2024). Net interest margin (NIM): 3.82% (up from 3.74% in FY 2024). Cost-to-income ratio: 63.5% (down from 65.8% in FY 2024). Non-performing loans: 0.65% (up from 0.48% in FY 2024). Revenue missed analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.5% p.a. on average during the next 2 years, compared to a 8.7% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 16% per year, which means it is tracking significantly ahead of earnings growth.
Declared Dividend • Feb 24Fourth quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 12th March 2026 Payment date: 9th April 2026 Dividend yield will be 3.6%, which is higher than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (41% payout ratio) and is expected to be well covered in 3 years' time (41% forecast payout ratio). The dividend has increased by an average of 57% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 30% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 20BayCom Corp Declares Quarterly Cash Dividend. Payable on April 9, 2026BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share on the Company's common stock. The dividend is payable on April 9, 2026 to shareholders of record as of the close of business on March 12, 2026.
分析記事 • Jan 25BayCom Corp (NASDAQ:BCML) Annual Results Just Came Out: Here's What Analysts Are Forecasting For This YearLast week saw the newest annual earnings release from BayCom Corp ( NASDAQ:BCML ), an important milestone in the...
Reported Earnings • Jan 23Full year 2025 earnings: EPS in line with expectations, revenues disappointFull year 2025 results: EPS: US$2.18 (up from US$2.10 in FY 2024). Revenue: US$96.5m (flat on FY 2024). Net income: US$23.9m (up 1.3% from FY 2024). Profit margin: 25% (in line with FY 2024). Revenue missed analyst estimates by 2.4%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 6.0% p.a. on average during the next 2 years, compared to a 9.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 2% per year but the company’s share price has increased by 15% per year, which means it is tracking significantly ahead of earnings growth.
Buy Or Sell Opportunity • Dec 11Now 20% undervaluedOver the last 90 days, the stock has risen 3.9% to US$30.80. The fair value is estimated to be US$38.68, however this is not to be taken as a buy recommendation but rather should be used as a guide only. Revenue has been flat over the last 3 years. Earnings per share has grown by 3.8%. Revenue is forecast to grow by 14% in 2 years. Earnings are forecast to grow by 29% in the next 2 years.
分析記事 • Nov 25BayCom's (NASDAQ:BCML) Dividend Will Be Increased To $0.30BayCom Corp's ( NASDAQ:BCML ) dividend will be increasing from last year's payment of the same period to $0.30 on 9th...
Declared Dividend • Nov 24Third quarter dividend of US$0.30 announcedShareholders will receive a dividend of US$0.30. Ex-date: 11th December 2025 Payment date: 9th January 2026 Dividend yield will be 3.1%, which is about the same as the industry average. Sustainability & Growth Dividend is well covered by earnings (36% payout ratio) and is expected to be well covered in 3 years' time (36% forecast payout ratio). The dividend has increased by an average of 50% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 28% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Nov 21BayCom Corp Increases Quarterly Cash Dividend, Payable on January 9, 2026BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.30 per share on the Company's common stock, which represents a 20% increase (from $0.25 per share) in the Company’s quarterly dividend. The dividend is payable on January 9, 2026 to shareholders of record as of the close of business on December 11, 2025.
Reported Earnings • Oct 24Third quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindThird quarter 2025 results: EPS: US$0.46 (down from US$0.54 in 3Q 2024). Revenue: US$22.7m (down 6.9% from 3Q 2024). Net income: US$5.01m (down 17% from 3Q 2024). Profit margin: 22% (down from 25% in 3Q 2024). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 4.1%. Earnings per share (EPS) exceeded analyst estimates by 1.5%. Revenue is forecast to grow 8.0% p.a. on average during the next 2 years, compared to a 8.0% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 4% per year but the company’s share price has increased by 13% per year, which means it is tracking significantly ahead of earnings growth.
Declared Dividend • Aug 25Second quarter dividend of US$0.25 announcedShareholders will receive a dividend of US$0.25. Ex-date: 11th September 2025 Payment date: 9th October 2025 Dividend yield will be 2.5%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 4 years and payments have been stable during that time. EPS is expected to grow by 15% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • Aug 22BayCom Corp Declares Quarterly Cash Dividend, Payable on October 9, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.25 per share on the Company's common stock, which represents a 25% increase (from $0.20 per share) in the Company’s quarterly dividend. The dividend is payable on October 9, 2025 to shareholders of record as of the close of business on September 11, 2025.
Recent Insider Transactions Derivative • Aug 05President notifies of intention to sell stockGeorge Guarini intends to sell 28k shares in the next 90 days after lodging an Intent To Sell Form on the 4th of August. If the sale is conducted around the recent share price of US$27.21, it would amount to US$759k. For the year to December 2018, George's total compensation was 63% salary and 37% non-salary. Since March 2025, George's direct individual holding has decreased from 74.64k shares to 57.58k. There has only been one transaction (US$743k sale) from insiders over the last 12 months.
Reported Earnings • Jul 18Second quarter 2025 earnings: EPS exceeds analyst expectations while revenues lag behindSecond quarter 2025 results: EPS: US$0.58 (up from US$0.50 in 2Q 2024). Revenue: US$24.5m (up 3.7% from 2Q 2024). Net income: US$6.36m (up 14% from 2Q 2024). Profit margin: 26% (up from 24% in 2Q 2024). Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) exceeded analyst estimates by 4.8%. Revenue is forecast to grow 6.1% p.a. on average during the next 2 years, compared to a 7.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year but the company’s share price has increased by 13% per year, which means it is tracking significantly ahead of earnings growth.
お知らせ • Jul 18BayCom Corp Reports Net Charge-Offs for the Second Quarter Ended June 30, 2025BayCom Corp. reported net charge-offs for the second quarter ended June 30, 2025. For the quarter, the company recorded net charge-offs of $13,000, compared to net charge-offs of $102,000 in the prior quarter of 2025 and net charge-offs of $76,000 in the second quarter of 2024.
分析記事 • Jun 01BayCom's (NASDAQ:BCML) Shareholders Will Receive A Bigger Dividend Than Last YearBayCom Corp ( NASDAQ:BCML ) has announced that it will be increasing its dividend from last year's comparable payment...
Declared Dividend • Jun 01First quarter dividend of US$0.20 announcedShareholders will receive a dividend of US$0.20. Ex-date: 12th June 2025 Payment date: 10th July 2025 Dividend yield will be 2.3%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 44% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 11% over the next year, which should provide support to the dividend and adequate earnings cover.
お知らせ • May 22BayCom Corp. Increases Quarterly Cash Dividend, Payable on July 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.20 per share on the Company's common stock, which represents a 33% increase (from $0.15 per share) in the Company’s quarterly dividend. The dividend is payable on July 10, 2025 to shareholders of record as of the close of business on June 12, 2025.
お知らせ • Apr 28BayCom Corp, Annual General Meeting, Jun 17, 2025BayCom Corp, Annual General Meeting, Jun 17, 2025.
Reported Earnings • Apr 20First quarter 2025 earnings: EPS and revenues miss analyst expectationsFirst quarter 2025 results: EPS: US$0.51. Revenue: US$23.7m (down 2.2% from 1Q 2024). Net income: US$5.70m (down 3.0% from 1Q 2024). Profit margin: 24% (in line with 1Q 2024). Revenue missed analyst estimates by 4.9%. Earnings per share (EPS) also missed analyst estimates by 1.3%. Revenue is forecast to grow 5.7% p.a. on average during the next 2 years, compared to a 7.0% growth forecast for the Banks industry in the US.
Reported Earnings • Mar 16Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$2.10 (down from US$2.27 in FY 2023). Revenue: US$96.3m (down 6.4% from FY 2023). Net income: US$23.6m (down 14% from FY 2023). Profit margin: 25% (down from 27% in FY 2023). The decrease in margin was driven by lower revenue. Net interest margin (NIM): 3.74% (down from 4.05% in FY 2023). Cost-to-income ratio: 65.8% (up from 61.7% in FY 2023). Non-performing loans: 0.48% (down from 0.67% in FY 2023). Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.9%. Revenue is forecast to grow 4.7% p.a. on average during the next 2 years, compared to a 7.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 4% per year.
Recent Insider Transactions • Mar 04President recently sold US$743k worth of stockOn the 3rd of March, George Guarini sold around 27k shares on-market at roughly US$27.50 per share. This transaction amounted to 27% of their direct individual holding at the time of the trade. This was the largest sale by an insider in the last 3 months. This was George's only on-market trade for the last 12 months.
Recent Insider Transactions Derivative • Feb 27President notifies of intention to sell stockGeorge Guarini intends to sell 27k shares in the next 90 days after lodging an Intent To Sell Form on the 26th of February. If the sale is conducted around the recent share price of US$27.61, it would amount to US$745k. For the year to December 2018, George's total compensation was 65% salary and 35% non-salary. Since June 2024, George's direct individual holding has decreased from 261.90k shares to 101.64k. There have been no trades via on-market transactions or options from company insiders in the last 12 months.
Declared Dividend • Feb 24Fourth quarter dividend of US$0.15 announcedShareholders will receive a dividend of US$0.15. Ex-date: 13th March 2025 Payment date: 10th April 2025 Dividend yield will be 1.9%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (21% payout ratio) and is expected to be well covered in 3 years' time (24% forecast payout ratio). The dividend has increased by an average of 44% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 18% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 21BayCom Corp Announces Quarterly Cash Dividend, Payable on April 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's common stock. The dividend is payable on April 10, 2025 to shareholders of record as of the close of business on March 13, 2025.
Price Target Changed • Jan 28Price target increased by 12% to US$31.67Up from US$28.25, the current price target is an average from 3 analysts. New target price is 12% above last closing price of US$28.22. Stock is up 31% over the past year. The company is forecast to post earnings per share of US$2.30 for next year compared to US$2.10 last year.
Reported Earnings • Jan 24Full year 2024 earnings: EPS exceeds analyst expectationsFull year 2024 results: EPS: US$2.10 (down from US$2.27 in FY 2023). Revenue: US$96.3m (down 6.4% from FY 2023). Net income: US$23.6m (down 14% from FY 2023). Profit margin: 25% (down from 27% in FY 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 1.9%. Revenue is forecast to grow 1.4% p.a. on average during the next 2 years, compared to a 7.2% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 7% per year whereas the company’s share price has increased by 9% per year.
Declared Dividend • Nov 25Third quarter dividend increased to US$0.15Dividend of US$0.15 is 50% higher than last year. Ex-date: 12th December 2024 Payment date: 10th January 2025 Dividend yield will be 1.5%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (19% payout ratio) and is expected to be well covered in 3 years' time (26% forecast payout ratio). The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to grow by 11% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Nov 21BayCom Corp Increases Quarterly Cash Dividend, Payable on January 10, 2025BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.15 per share on the Company's outstanding common stock, which represents a 50% increase (from $0.10 per share) in the Company’s quarterly dividend. The dividend is payable on January 10, 2025 to shareholders of record as of the close of business on December 12, 2024.
Board Change • Nov 08Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Syvia Magid was the last independent director to join the board, commencing their role in 2019. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
Price Target Changed • Oct 23Price target increased by 10% to US$28.67Up from US$26.00, the current price target is an average from 3 analysts. New target price is 17% above last closing price of US$24.59. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.06 for next year compared to US$2.27 last year.
Reported Earnings • Oct 18Third quarter 2024 earnings: EPS and revenues exceed analyst expectationsThird quarter 2024 results: EPS: US$0.54 (down from US$0.56 in 3Q 2023). Revenue: US$24.4m (down 5.5% from 3Q 2023). Net income: US$6.02m (down 9.2% from 3Q 2023). Profit margin: 25% (down from 26% in 3Q 2023). The decrease in margin was driven by lower revenue. Revenue exceeded analyst estimates by 1.2%. Earnings per share (EPS) also surpassed analyst estimates by 5.9%. Revenue is forecast to grow 1.6% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 8% per year whereas the company’s share price has increased by 10% per year.
お知らせ • Oct 18+ 1 more updateBayCom Corp Announces Board and Committee Appointments, Effective November 1, 2024BayCom Corp. announced that Bhupen B. Amin and Dennis Guida were appointed as directors of the Company, effective November 1, 2024. Mr. Guida also was appointed as a member of the Compensation Committee and the Corporate Governance and Nominating Committee of the company’s Board of Directors, which appointments are also effective as of November 1, 2024. The Board committees to which Mr. Amin will be appointed have not yet been determined. Messrs. Amin and Guida, who have been directors of the Bank since 2011 and 2022, respectively, will continue to serve in that capacity. The appointments of Messrs. Amin and Guida to the Company’s Board of Directors follow the recent retirement of James S. Camp as a director of the Company and the Bank. Mr. Amin is General Counsel and Chief Operating Officer of Lotus Hotels and Investments in Walnut Creek, California. In this position, Mr. Amin is responsible for the development, management, financing and operations of several hotel properties, shopping centers and self-storage facilities. Prior to joining Lotus, Mr. Amin was an attorney at the Law Offices of Bowles & Verna in Walnut Creek, California. Mr. Amin serves on the nominating committee and Board of Directors of the California Hotel & Lodging Association (CH&LA) and is an active member of the governmental affairs committee of the American Hotel & Lodging Association (AH&LA) in Washington D.C. Mr. Amin became the first Indian-American to be elected Chairman of CH&LA, the larger state hotel association in the nation. Mr. Amin also acts as a Pro Tem Judge in the Alameda County Superior Courts and serves on the board of directors of Brookside Health Center, a non-profit FQHC serving underprivileged families in the East Bay Area. Mr. Amin earned his law degree from the University of California, Davis and his undergraduate degree from the Haas School of Business at the University of California, Berkeley. Mr. Guida is the Managing Director for HBP Analytics, LLC and the former Chairman of Pacific Enterprise Bank (Irvine, CA) and Southport Financial Corporation (Kenosha, WI). With 40 years of banking industry experience, he has held the positions of chairman, director, CEO, CFO, and bank consultant. Mr. Guida specializes in asset-liability management (“ALM”) and has provided ALM third-party reviews/model validations and advisory services to more than 300 banking clients. These institutions range in size from de novo banks to companies with over $18 billion in assets. Mr. Guida holds a B.S. in Business Management from the University of Redlands (Redlands, CA) and an M.B.A. from National University (San Diego, CA) and is a graduate of The School of Bank Administration (Madison, WI).
お知らせ • Oct 11BayCom Corp and United Business Bank Announces Retirement of James S. Camp as DirectorOn October 7, 2024, James S. Camp notified the Boards of Directors of BayCom Corp. (the “Company”) and its wholly owned subsidiary, United Business Bank (the “Bank”), of his decision to retire as a director of the Company and the Bank, effective immediately. Mr. Camp indicated that his decision to retire was for personal reasons and not as a result of any disagreement with the Boards or the Company's or the Bank’s management.
Upcoming Dividend • Sep 12Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 19 September 2024. Payment date: 10 October 2024. Payout ratio is a comfortable 19% and this is well supported by cash flows. Trailing yield: 1.8%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.0%).
分析記事 • Aug 27BayCom (NASDAQ:BCML) Is Paying Out A Dividend Of $0.10The board of BayCom Corp ( NASDAQ:BCML ) has announced that it will pay a dividend of $0.10 per share on the 10th of...
Declared Dividend • Aug 26Second quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 19th September 2024 Payment date: 10th October 2024 Dividend yield will be 1.7%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 26% per year over the past 3 years and payments have been stable during that time. EPS is expected to remain steady over the next year, which should provide adequate earnings cover for the dividend.
お知らせ • Aug 23BayCom Corp Announces Quarterly Cash Dividend, Payable on October 10, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's common stock. The dividend is payable on October 10, 2024 to shareholders of record as of the close of business on September 19, 2024.
Price Target Changed • Jul 22Price target increased by 8.5% to US$25.67Up from US$23.67, the current price target is an average from 3 analysts. New target price is 11% above last closing price of US$23.14. Stock is up 26% over the past year. The company is forecast to post earnings per share of US$2.03 for next year compared to US$2.27 last year.
Reported Earnings • Jul 19Second quarter 2024 earnings: EPS exceeds analyst expectationsSecond quarter 2024 results: EPS: US$0.50 (down from US$0.59 in 2Q 2023). Revenue: US$23.6m (down 11% from 2Q 2023). Net income: US$5.60m (down 22% from 2Q 2023). Profit margin: 24% (down from 27% in 2Q 2023). The decrease in margin was driven by lower revenue. Revenue was in line with analyst estimates. Earnings per share (EPS) surpassed analyst estimates by 2.7%. Revenue is expected to decline by 3.4% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.7%. Over the last 3 years on average, earnings per share has increased by 11% per year whereas the company’s share price has increased by 8% per year.
Valuation Update With 7 Day Price Move • Jul 16Investor sentiment improves as stock rises 18%After last week's 18% share price gain to US$23.42, the stock trades at a forward P/E ratio of 12x. Average forward P/E is 12x in the Banks industry in the US. Total returns to shareholders of 35% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at US$36.28 per share.
分析記事 • Jun 12This Is Why BayCom Corp's (NASDAQ:BCML) CEO Compensation Looks AppropriateKey Insights BayCom's Annual General Meeting to take place on 18th of June Salary of US$723.1k is part of CEO George...
Declared Dividend • May 30First quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 13th June 2024 Payment date: 11th July 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to decline by 3.9% over the next year. However, it would need to fall by 80% to increase the payout ratio to a potentially unsustainable range.
お知らせ • May 25BayCom Corp Announces Quarterly Cash Dividend, Payable on July 11, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend is payable on July 11, 2024, to shareholders of record as of the close of business on June 13, 2024.
Reported Earnings • May 13First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.51 (down from US$0.57 in 1Q 2023). Revenue: US$24.2m (down 8.8% from 1Q 2023). Net income: US$5.88m (down 18% from 1Q 2023). Profit margin: 24% (down from 27% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 8.1%. Revenue is expected to decline by 5.2% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 6.0%. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
お知らせ • Apr 28BayCom Corp, Annual General Meeting, Jun 18, 2024BayCom Corp, Annual General Meeting, Jun 18, 2024, at 14:30 Pacific Daylight. Location: Company’s Board Room, 500 Ygnacio Valley Road, Suite 200, Walnut Creek California United States Agenda: To consider the election of the eight nominees to the company’s board of directors, each for a one-year term; to consider an advisory (non-binding) vote on executive compensation; to consider an advisory (non-binding) vote as to whether future advisory votes on executive compensation should be held every one year, every two years or every three years; to consider the approval of the its 2024 omnibus incentive plan; to consider the ratification of the appointment of moss adams llp to serve as the independent registered public accounting firm for the company for the fiscal year ending december 31, 2024; and to consider other matters.
Major Estimate Revision • Apr 25Consensus EPS estimates fall by 14%The consensus outlook for earnings per share (EPS) in fiscal year 2024 has deteriorated. 2024 revenue forecast decreased from US$94.8m to US$89.2m. EPS estimate also fell from US$2.31 per share to US$1.99 per share. Net income forecast to shrink 13% next year vs 0.9% growth forecast for Banks industry in the US . Consensus price target down from US$25.50 to US$23.67. Share price was steady at US$20.11 over the past week.
Price Target Changed • Apr 23Price target decreased by 7.2% to US$23.67Down from US$25.50, the current price target is an average from 3 analysts. New target price is 22% above last closing price of US$19.41. Stock is up 22% over the past year. The company is forecast to post earnings per share of US$1.99 for next year compared to US$2.27 last year.
Reported Earnings • Apr 19First quarter 2024 earnings: EPS and revenues miss analyst expectationsFirst quarter 2024 results: EPS: US$0.51 (down from US$0.57 in 1Q 2023). Revenue: US$24.2m (down 8.8% from 1Q 2023). Net income: US$5.88m (down 18% from 1Q 2023). Profit margin: 24% (down from 27% in 1Q 2023). The decrease in margin was driven by lower revenue. Revenue missed analyst estimates by 3.8%. Earnings per share (EPS) also missed analyst estimates by 8.1%. Revenue is expected to decline by 3.5% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.8%. Over the last 3 years on average, earnings per share has increased by 14% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 17Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$2.27 (up from US$1.81 in FY 2022). Revenue: US$102.8m (up 6.3% from FY 2022). Net income: US$27.4m (up 16% from FY 2022). Profit margin: 27% (up from 25% in FY 2022). The increase in margin was driven by higher revenue. Net interest margin (NIM): 4.05% (up from 3.90% in FY 2022). Cost-to-income ratio: 61.7% (down from 64.1% in FY 2022). Non-performing loans: 0.67% (down from 0.75% in FY 2022). Revenue missed analyst estimates by 3.6%. Earnings per share (EPS) also missed analyst estimates by 1.1%. Revenue is expected to decline by 2.4% p.a. on average during the next 2 years, while revenues in the Banks industry in the US are expected to grow by 5.9%. Over the last 3 years on average, earnings per share has increased by 18% per year but the company’s share price has only increased by 1% per year, which means it is significantly lagging earnings growth.
Declared Dividend • Mar 10Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 14th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (18% payout ratio) and is expected to be well covered in 3 years' time (17% forecast payout ratio). The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 5.0% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
Upcoming Dividend • Feb 29Upcoming dividend of US$0.10 per shareEligible shareholders must have bought the stock before 07 March 2024. Payment date: 12 April 2024. Trailing yield: 2.0%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.1%).
Declared Dividend • Feb 28Fourth quarter dividend of US$0.10 announcedDividend of US$0.10 is the same as last year. Ex-date: 7th March 2024 Payment date: 12th April 2024 Dividend yield will be 2.0%, which is lower than the industry average of 3.2%. Sustainability & Growth Dividend is well covered by earnings (18% payout ratio) and is expected to be well covered in 3 years' time (17% forecast payout ratio). The dividend has increased by an average of 41% per year over the past 2 years and payments have been stable during that time. EPS is expected to grow by 5.0% over the next 2 years, which should provide support to the dividend and adequate earnings cover.
お知らせ • Feb 23BayCom Corp Declares Quarterly Cash Dividend, Payable on April 12, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the company's outstanding common stock. The cash dividend will be payable on April 12, 2024 to shareholders of record as of the close of business on March 8, 2024.
Reported Earnings • Jan 26Full year 2023 earnings: EPS and revenues miss analyst expectationsFull year 2023 results: EPS: US$2.27 (up from US$1.81 in FY 2022). Revenue: US$102.8m (up 6.3% from FY 2022). Net income: US$27.4m (up 16% from FY 2022). Profit margin: 27% (up from 25% in FY 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 3.6%. Earnings per share (EPS) also missed analyst estimates by 1.1%. Revenue is forecast to stay flat during the next 2 years compared to a 5.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 13% per year.
お知らせ • Jan 26Baycom Corp. Announces Impairment Results for the Fourth Quarter Ended December 31, 2023Baycom Corp. announced impairment results for the fourth quarter ended December 31, 2023. For the quarter, Company recorded net charge-offs of $150,000 compared to net charge-offs of $25,000 in the prior quarter of 2023 and net recoveries of $233,000 in the fourth quarter of 2022.
Upcoming Dividend • Dec 06Upcoming dividend of US$0.10 per share at 1.9% yieldEligible shareholders must have bought the stock before 13 December 2023. Payment date: 12 January 2024. Payout ratio is a comfortable 15% and this is well supported by cash flows. Trailing yield: 1.9%. Lower than top quartile of American dividend payers (4.8%). Lower than average of industry peers (3.5%).
お知らせ • Nov 29BayCom Corp Declares Quarterly Cash Dividend, Payable on January 12, 2024BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on January 12, 2024 to shareholders of record as of the close of business on December 14, 2023.
Reported Earnings • Oct 20Third quarter 2023 earnings: EPS and revenues exceed analyst expectationsThird quarter 2023 results: EPS: US$0.56. Revenue: US$25.8m (down 1.8% from 3Q 2022). Net income: US$6.63m (down 8.3% from 3Q 2022). Profit margin: 26% (down from 28% in 3Q 2022). Revenue exceeded analyst estimates by 1.8%. Earnings per share (EPS) also surpassed analyst estimates by 5.0%. Revenue is forecast to grow 2.1% p.a. on average during the next 3 years, compared to a 4.2% growth forecast for the Banks industry in the US.
お知らせ • Oct 20BayCom Corp Reports Net Charge-Offs for the Third Quarter Ended September 30, 2023BayCom Corp. reported net charge-offs for the third quarter ended September 30, 2023. For the quarter, the company reported net charge-offs of $25,000 for the third quarter of 2023, compared to net charge-offs of $60,000 in the prior quarter of 2023 and net charge-offs of $944,000 in the third quarter of 2022.
Upcoming Dividend • Sep 07Upcoming dividend of US$0.10 per share at 2.1% yieldEligible shareholders must have bought the stock before 14 September 2023. Payment date: 13 October 2023. Payout ratio is a comfortable 13% and this is well supported by cash flows. Trailing yield: 2.1%. Lower than top quartile of American dividend payers (4.9%). Lower than average of industry peers (3.7%).
お知らせ • Aug 19BayCom Corp Declares Quarterly Cash Dividend, Payable on October 13, 2023BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on October 13, 2023, to shareholders of record as of the close of business on September 15, 2023.
Price Target Changed • Jul 30Price target increased by 7.8% to US$23.17Up from US$21.50, the current price target is an average from 3 analysts. New target price is 16% above last closing price of US$19.96. Stock is up 1.9% over the past year. The company is forecast to post earnings per share of US$2.21 for next year compared to US$1.81 last year.
New Risk • Jul 29New major risk - Revenue and earnings growthEarnings are forecast to decline by an average of 6.5% per year for the foreseeable future. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are expected to decline, then in most cases the share price will decline over time as well. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risk Earnings are forecast to decline by an average of 6.5% per year for the foreseeable future. Minor Risk Short dividend paying track record (1 year of continuous dividend payments).
Reported Earnings • Jul 26First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.57 (up from US$0.41 in 1Q 2022). Revenue: US$26.5m (up 14% from 1Q 2022). Net income: US$7.19m (up 38% from 1Q 2022). Profit margin: 27% (up from 22% in 1Q 2022). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 5.6%. Earnings per share (EPS) also missed analyst estimates by 5.2%. Revenue is forecast to stay flat during the next 2 years compared to a 4.4% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 18% per year whereas the company’s share price has increased by 19% per year.
Upcoming Dividend • Jun 08Upcoming dividend of US$0.10 per share at 2.2% yieldEligible shareholders must have bought the stock before 15 June 2023. Payment date: 14 July 2023. Payout ratio is a comfortable 12% and this is well supported by cash flows. Trailing yield: 2.2%. Lower than top quartile of American dividend payers (5.0%). Lower than average of industry peers (3.6%).
お知らせ • May 19BayCom Corp Declares Quarterly Cash Dividend, Payable on July 14, 2023BayCom Corp. announced that its Board of Directors declared a quarterly cash dividend of $0.10 per share on the Company's outstanding common stock. The cash dividend will be payable on July 14, 2023 to shareholders of record as of the close of business on June 16, 2023.
Price Target Changed • Apr 28Price target decreased by 7.7% to US$22.00Down from US$23.83, the current price target is an average from 3 analysts. New target price is 32% above last closing price of US$16.68. Stock is down 26% over the past year. The company is forecast to post earnings per share of US$2.24 for next year compared to US$2.06 last year.
Reported Earnings • Apr 21First quarter 2023 earnings: EPS and revenues miss analyst expectationsFirst quarter 2023 results: EPS: US$0.56 (up from US$0.51 in 1Q 2022). Revenue: US$26.3m (up 4.9% from 1Q 2022). Net income: US$7.05m (up 8.6% from 1Q 2022). Profit margin: 27% (in line with 1Q 2022). Revenue missed analyst estimates by 5.6%. Earnings per share (EPS) also missed analyst estimates by 5.2%. Revenue is forecast to grow 4.5% p.a. on average during the next 2 years, compared to a 3.3% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 21% per year but the company’s share price has only increased by 14% per year, which means it is significantly lagging earnings growth.
Upcoming Dividend • Mar 02Upcoming dividend of US$0.10 per share at 1.0% yieldEligible shareholders must have bought the stock before 09 March 2023. Payment date: 14 April 2023. Trailing yield: 1.0%. Lower than top quartile of American dividend payers (4.4%). Lower than average of industry peers (3.0%).
分析記事 • Jan 30Analysts Are Updating Their BayCom Corp (NASDAQ:BCML) Estimates After Its Full-Year ResultsThe full-year results for BayCom Corp ( NASDAQ:BCML ) were released last week, making it a good time to revisit its...
Reported Earnings • Jan 27Full year 2022 earnings: EPS in line with expectations, revenues disappointFull year 2022 results: EPS: US$2.06 (up from US$1.90 in FY 2021). Revenue: US$101.3m (up 21% from FY 2021). Net income: US$27.0m (up 30% from FY 2021). Profit margin: 27% (up from 25% in FY 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 5.9%. Earnings per share (EPS) were mostly in line with analyst estimates. Revenue is forecast to grow 5.6% p.a. on average during the next 2 years, compared to a 6.5% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Upcoming Dividend • Dec 08Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 15 December 2022. Payment date: 13 January 2023. Payout ratio is a comfortable 7.7% and this is well supported by cash flows. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.1%).
Price Target Changed • Nov 16Price target decreased to US$23.83Down from US$25.83, the current price target is an average from 3 analysts. New target price is 27% above last closing price of US$18.81. Stock is down 1.9% over the past year. The company is forecast to post earnings per share of US$2.05 for next year compared to US$1.90 last year.
Reported Earnings • Nov 16Third quarter 2022 earnings: EPS and revenues miss analyst expectationsThird quarter 2022 results: EPS: US$0.54 (up from US$0.51 in 3Q 2021). Revenue: US$26.3m (up 24% from 3Q 2021). Net income: US$7.23m (up 34% from 3Q 2021). Profit margin: 28% (up from 25% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.6%. Earnings per share (EPS) also missed analyst estimates by 6.4%. Revenue is forecast to grow 7.4% p.a. on average during the next 3 years, compared to a 6.1% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Recent Insider Transactions • Nov 16Independent Director recently sold US$197k worth of stockOn the 10th of November, Robert Laverne sold around 10k shares on-market at roughly US$19.65 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$221k. Insiders have been net sellers, collectively disposing of US$507k more than they bought in the last 12 months.
Recent Insider Transactions • Nov 11Independent Director recently sold US$197k worth of stockOn the 10th of November, Robert Laverne sold around 10k shares on-market at roughly US$19.65 per share. This transaction amounted to 11% of their direct individual holding at the time of the trade. In the last 3 months, they made an even bigger sale worth US$221k. Insiders have been net sellers, collectively disposing of US$507k more than they bought in the last 12 months.
Price Target Changed • Oct 25Price target decreased to US$23.83Down from US$25.83, the current price target is an average from 3 analysts. New target price is 26% above last closing price of US$18.89. Stock is up 2.6% over the past year. The company is forecast to post earnings per share of US$2.05 for next year compared to US$1.90 last year.
Reported Earnings • Oct 22Third quarter 2022 earnings: EPS and revenues miss analyst expectationsThird quarter 2022 results: EPS: US$0.54 (up from US$0.51 in 3Q 2021). Revenue: US$26.3m (up 24% from 3Q 2021). Net income: US$7.23m (up 34% from 3Q 2021). Profit margin: 28% (up from 25% in 3Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.6%. Earnings per share (EPS) also missed analyst estimates by 6.4%. Revenue is forecast to grow 7.5% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Banks industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
Seeking Alpha • Oct 20Bay Commercial Bank GAAP EPS of $0.54 misses by $0.04, revenue of $27.47M beats by $2.34MBay Commercial Bank press release (NASDAQ:BCML): Q3 GAAP EPS of $0.54 misses by $0.04. Revenue of $27.47M (+26.3% Y/Y) beats by $2.34M.
Upcoming Dividend • Sep 08Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 15 September 2022. Payment date: 14 October 2022. Trailing yield: 1.1%. Lower than top quartile of American dividend payers (4.3%). Lower than average of industry peers (3.2%).
Recent Insider Transactions • Aug 26Independent Director recently sold US$221k worth of stockOn the 22nd of August, Robert Laverne sold around 11k shares on-market at roughly US$19.43 per share. This was the largest sale by an insider in the last 3 months. This was the only on-market transaction from insiders over the last 12 months.
Reported Earnings • Jul 22Second quarter 2022 earnings: EPS and revenues miss analyst expectationsSecond quarter 2022 results: EPS: US$0.38 (down from US$0.49 in 2Q 2021). Revenue: US$22.6m (up 8.8% from 2Q 2021). Net income: US$5.22m (down 1.7% from 2Q 2021). Profit margin: 23% (down from 26% in 2Q 2021). The decrease in margin was driven by higher expenses. Revenue missed analyst estimates by 7.5%. Earnings per share (EPS) also missed analyst estimates by 28%. Over the next year, revenue is forecast to grow 19%, compared to a 15% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 17% per year but the company’s share price has fallen by 5% per year, which means it is significantly lagging earnings.
Seeking Alpha • Jul 21Bay Commercial Bank GAAP EPS of $0.38 misses by $0.15, revenue of $25.19M beats by $0.13MBay Commercial Bank press release (NASDAQ:BCML): Q2 GAAP EPS of $0.38 misses by $0.15. Revenue of $25.19M (+24.5% Y/Y) beats by $0.13M.
Upcoming Dividend • Jun 09Upcoming dividend of US$0.05 per shareEligible shareholders must have bought the stock before 16 June 2022. Payment date: 15 July 2022. Trailing yield: 0.9%. Lower than top quartile of American dividend payers (3.9%). Lower than average of industry peers (2.8%).
Major Estimate Revision • Apr 28Consensus forecasts updatedThe consensus outlook for 2022 has been updated. 2022 EPS estimate increased from US$1.91 to US$2.26. Revenue forecast unchanged at US$97.1m. Net income forecast to grow 36% next year vs 0.7% decline forecast for Banks industry in the US. Consensus price target up from US$26.00 to US$26.67. Share price was steady at US$23.02 over the past week.
Reported Earnings • Apr 27First quarter 2022 earnings: EPS exceeds analyst expectations while revenues lag behindFirst quarter 2022 results: EPS: US$0.51 (up from US$0.40 in 1Q 2021). Revenue: US$25.1m (up 23% from 1Q 2021). Net income: US$6.49m (up 43% from 1Q 2021). Profit margin: 26% (up from 22% in 1Q 2021). The increase in margin was driven by higher revenue. Revenue missed analyst estimates by 1.7%. Earnings per share (EPS) exceeded analyst estimates by 4.1%. Over the next year, revenue is forecast to grow 11%, compared to a 11% growth forecast for the industry in the US. Over the last 3 years on average, earnings per share has increased by 13% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.