BayCom Corp
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from BayCom Corp's yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +0% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+0% / +3%In 3 years sales changed by +0% while total assets changed by +3%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
98%Of every $100 the company owns, $98 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
More tangible than 59% of Financial Services companies in United States.
Tangible Net Worth Ratio
88%Of every $100 of net worth, $88 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
More tangible than 60% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
BayCom Corp owes $0.87 for every $1 it owns. Net profit rose 1% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
26.6Investors pay $26.6 for every $1 of BayCom Corp's yearly profit, higher than 84% of Financial Services companies in United States.
P/B ratio
1.04The share price is 1.04 times BayCom Corp's book value per share, lower than 69% of Financial Services companies in United States.
Market cap
$348 MThe total market value of all of BayCom Corp's shares at today's price (share price × number of shares), smaller than 68% of Financial Services companies in United States. PosiCap size class: Mini Cap.
Net worth (book value)
$335 MWhat BayCom Corp would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$30.71Net worth divided by the number of shares. The share price of $31.90 is 1.0 times this, which is the P/B above.
Return on equity (ROE)
3.9%BayCom Corp earned 3.9% on its shareholders' money over the last year, lower than 77% of Financial Services companies in United States.
Owes vs Owns
0.87×BayCom Corp owes $0.87 for every $1 it owns (high), higher than 60% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
3.85%BayCom Corp pays 3.85% of its share price as dividends a year, higher than 67% of dividend-paying Financial Services companies in United States.
Revenue growth
+4%Revenue rose 4% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Profit growth
+1%Net profit rose 1% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Profit margin
23.6%BayCom Corp keeps $24 of every $100 of revenue as net profit.
Questions
What is BayCom Corp's P/E ratio?
Investors pay $26.6 for every $1 of BayCom Corp's yearly profit, higher than 84% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For BayCom Corp: $348 M ÷ $335 M (30 Jun 2026) = 1.0.
What is BayCom Corp's return on equity?
BayCom Corp earned 3.9% on its shareholders' money over the last year, lower than 77% of Financial Services companies in United States.
How much does BayCom Corp owe compared with what it owns?
BayCom Corp owes $0.87 for every $1 it owns (high), higher than 60% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does BayCom Corp pay a dividend?
Yes. BayCom Corp pays 3.85% of its share price as dividends a year, higher than 67% of dividend-paying Financial Services companies in United States.
Is BayCom Corp's revenue growing?
Revenue rose 4% in the year to Dec 2025, and grew 0% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.