BayCom

BCML · NASDAQ

$31.26+$0.24 (+0.77%)TodayMarket closed · Oct 20, 7:30 PM ET

Prev close $31.02

BCML analyst rating

BuyConsensus of 2 analysts over the last 12 months. 50% rate it a buy.

Strong buy0
Buy1
Hold1
Underperform0
Sell0

12-month price target · 6 analysts

Average $33.40 (+6.9% upside)

Low: $32.32
Now: $31.26
High: $36.75

Upgrades and downgrades

The latest rating actions, newest first

BCML analyst upgrades, downgrades and rating actions
Firm	Date	Action	Rating	Price target	Hit rate
StoneX	Sep 24, 2026	Initiates	Buy	$35.00	70%
DA Davidson	May 26, 2026	Downgrade	Buy → Neutral	$34.00	78%
DA Davidson	Apr 28, 2026	Maintains	Buy	$34.00	78%
DA Davidson	Apr 10, 2026	Maintains	Buy	$34.00	78%
DA Davidson	Jan 27, 2026	Maintains	Buy	$32.00 → $34.00	78%
DA Davidson	Oct 28, 2025	Maintains	Buy	$32.00	78%

The case for and against

Updated Oct 15, 2026

Bull case

BayCom is attractive because its new management team is prioritizing faster balance-sheet growth through a more concerted sales effort and talent additions, which could improve both loan production and franchise value over time. The company also showed encouraging 1Q26 execution, with EPS of $0.75 versus $0.63 estimated, PPNR/share of $0.94, NII of $25.2M, and NIM expansion to 4.11%, supported by stronger deposit gathering and disciplined funding costs. Although the loan/deposit ratio of 89% and rising deposit competition may modestly limit the pace of acceleration, strong capital ratios, including TCE of 11.6% and CET1 of 14.8%, leave room for organic growth and selective M&A.

Bear case

BayCom is viewed negatively because its valuation already appears fair relative to peers, leaving little margin for upside even as estimates remain unchanged at $2.70 for 2026E and $2.85 for 2027E. Its projected 2027E ROA of 1.13% trails the peer median 1.35%, signaling weaker profitability generation than comparable banks and limiting near-term share appreciation. Additional downside comes from risks tied to asset-quality deterioration, competitive pressure on loan and deposit pricing that could compress net interest margin, and potential M&A delays that would leave excess capital dragging on returns.

Information on this page is provided for informational purposes only and is not a recommendation to buy, sell or hold any security. Investing involves risk, including possible loss of principal. Market data is delayed at least 15 minutes and is provided without warranty. Analyst ratings, price targets and company data come from third-party sources. Past performance does not guarantee future results.