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BayCom Corp

BCML Finance Major Banks
$30.45
▼ -2.2% Today
as of Oct 23, 16:46 ET
Last 30 days +0.89% Sep 14 → Oct 23
$29.46 $30.11 $30.77 $31.43 $32.08 Sep 14 Sep 22 Sep 30 Oct 07 Oct 15 Oct 23
Open
$29.00
High
$30.81
Low
$29.00
Volume
$120,001
Avg Vol
$45,142
Mkt Cap
$336M
P/E (TTM)
54.65
Beta
—
52w High
$34.98
52w Low
$26.78
Div Yield
—
Shares Out
$11M

Recent Press Releases & News last 60 days · 4 items

Oct 22 · 23:00 Zacks
Bay Commercial Bank (BCML) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates
Oct 22 · 22:55 Zacks
Bay Commercial Bank (BCML) Q3 Earnings and Revenues Surpass Estimates
Oct 22 · 20:15 PR Business Wire
BayCom Corp Announces 2026 Third Quarter Results
▸ Show all 4 press releases & news Free account →

BCML earnings at a glance

The options market is pricing a move of about ±10.7% after the report, a range of roughly $27.21 to $33.69 from today's $30.45. Over its last 5 reports the stock rose the next day 1 time and fell 4, moving ±2.3% on average; after the most recent report on Jul 23, 2026 it moved -4.3%. That means options currently expect more movement than BCML has typically delivered. BCML beat the consensus EPS estimate in 2 of its last 5 reported quarters. Implied volatility is currently 90%. The share price of $30.45 sits in the middle of its 52-week range.

More Finance stocks · All stocks · Earnings calendar

Overview

52-week range
$27
$35
45% of range
Avg surprise (last 5)
-7.6%
Avg reaction (last 5)
-1.7%
20% positive
Latest IV / EM
90%
EM ±10.7% · $30 · Oct 16

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.32$0.43$0.54$0.64$0.75 Actual $0.57Actual $0.59Actual $0.56Actual $0.51Actual $0.50Actual $0.54Actual $0.51Actual $0.58Est $0.55Actual $0.46Est $0.52Actual $0.63Est $0.65Actual $0.75Est $0.62Actual $0.32Est $0.64 MarJunSepMarJunSepMarJun/2025Sep/20258K8KJun/2026
Revenue vs Net Income Revenue Net income
$-7M$-3M$813,500$5M$9M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Thu Jul 23, 2026Jun/2026 $0.32 $0.64 -50.0% +10.3% -4.3% earnings
Thu Apr 23, 20268K 2026-04-23 $0.75 $0.62 +21.0% — +1.4% earnings
Thu Jan 22, 20268K 2026-01-22 $0.63 $0.65 -3.1% — -3.0% earnings
Thu Oct 23, 2025Sep/2025 $0.46 $0.52 -11.5% — -0.8% earnings
Thu Jul 17, 2025Jun/2025 $0.58 $0.55 +5.5% — -1.8% earnings
Mon Mar 31, 2025Mar 2025 $0.51 — — — — financials
Mon Sep 30, 2024Sep 2024 $0.54 — — — — financials
Sun Jun 30, 2024Jun 2024 $0.50 — — — — financials
Sun Mar 31, 2024Mar 2024 $0.51 — — — — financials
Sat Sep 30, 2023Sep 2023 $0.56 — — — — financials
Fri Jun 30, 2023Jun 2023 $0.59 — — — — financials
Fri Mar 31, 2023Mar 2023 $0.57 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$-7M$8M—$5M$6M$6M—$6M
EPS (diluted)$-0.64$0.75—$0.46$0.58$0.51—$0.54

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents————————
Inventory————————
Total current assets————————
Total assets$2.58B$2.65B$2.59B$2.60B$2.62B$2.56B$2.66B$2.56B
Long-term debt————————
Total liabilities$2.24B$2.30B$2.26B$2.27B$2.29B$2.23B$2.34B$2.24B
Total equity$335M$344M$339M$334M$331M$329M$324M$322M

Implied volatility — last 90 days

26%95%163%232%300% Jun 07 — IV 77% · EM ±10.7%Jun 08 — IV 105% · EM ±13.8%Jun 09 — IV 131% · EM ±16.4%Jun 10 — IV 144% · EM ±17.0%Jun 11 — IV 145% · EM ±16.0%Jun 12 — IV 158% · EM ±16.1%Jun 15 — IV 189% · EM ±13.6%Jun 16 — IV 288% · EM ±17.0%Jun 17 — IV 301% · EM ±12.6%Jun 19 — IV 35% · EM ±7.7%Jun 22 — IV 44% · EM ±9.1%Jun 23 — IV 100% · EM ±20.6%Jun 24 — IV 90% · EM ±18.1%Jun 25 — IV 85% · EM ±16.7%Jun 26 — IV 69% · EM ±13.2%Jun 29 — IV 91% · EM ±16.1%Jun 30 — IV 86% · EM ±14.9%Jul 01 — IV 60% · EM ±10.0%Jul 02 — IV 69% · EM ±11.2%Jul 03 — IV 72% · EM ±11.2%Jul 06 — IV 85% · EM ±11.8%Jul 07 — IV 86% · EM ±11.4%Jul 08 — IV 106% · EM ±13.3%Jul 09 — IV 101% · EM ±12.0%Jul 10 — IV 134% · EM ±14.8%Jul 13 — IV 149% · EM ±12.5%Jul 14 — IV 148% · EM ±10.7%Jul 15 — IV 199% · EM ±11.8%Jul 16 — IV 282% · EM ±11.8%Jul 20 — IV 55% · EM ±13.0%Jul 21 — IV 42% · EM ±9.7%Jul 22 — IV 63% · EM ±14.4%Jul 23 — IV 64% · EM ±14.3%Jul 24 — IV 43% · EM ±9.5%Jul 27 — IV 52% · EM ±11.0%Jul 28 — IV 44% · EM ±8.9%Jul 29 — IV 58% · EM ±11.6%Jul 30 — IV 53% · EM ±10.4%Jul 31 — IV 61% · EM ±11.8%Aug 03 — IV 52% · EM ±9.3%Aug 04 — IV 52% · EM ±9.0%Aug 05 — IV 76% · EM ±12.7%Aug 06 — IV 50% · EM ±8.1%Aug 07 — IV 79% · EM ±12.3%Aug 10 — IV 42% · EM ±5.8%Aug 11 — IV 68% · EM ±9.0%Aug 12 — IV 63% · EM ±7.9%Aug 13 — IV 52% · EM ±6.2%Aug 14 — IV 51% · EM ±5.6%Aug 17 — IV 78% · EM ±6.5%Aug 18 — IV 56% · EM ±4.0%Aug 19 — IV 50% · EM ±3.0%Aug 20 — IV 70% · EM ±2.9%Aug 27 — IV 34% · EM ±6.7%Aug 28 — IV 35% · EM ±6.6%Sep 03 — IV 65% · EM ±10.5%Sep 04 — IV 72% · EM ±11.2%Sep 07 — IV 81% · EM ±11.2%Sep 10 — IV 29% · EM ±3.5%Sep 14 — IV 119% · EM ±9.9%Sep 15 — IV 66% · EM ±4.8%Sep 16 — IV 80% · EM ±4.7%Sep 22 — IV 82% · EM ±16.9%Sep 23 — IV 28% · EM ±5.6%Sep 24 — IV 27% · EM ±5.2%Sep 28 — IV 59% · EM ±10.5%Sep 30 — IV 66% · EM ±11.0%Oct 01 — IV 77% · EM ±12.5%Oct 02 — IV 78% · EM ±12.2%Oct 06 — IV 82% · EM ±10.8%Oct 07 — IV 84% · EM ±10.6%Oct 08 — IV 90% · EM ±10.7%

Sector peers

CFFI
C&F Financial Corporation
$332M $107.33+1.5%
FDBC
Fidelity D & D Bancorp, Inc.
$325M $64.51+9.4%
BRBS
Blue Ridge Bankshares, Inc.
$348M $4.07+1.8%
CBNA
Chain Bridge Bancorp, Inc.
$325M $51.00+2.0%
JMSB
John Marshall Bancorp, Inc.
$322M $23.64+3.0%
NEWT
NewtekOne, Inc.
$316M $11.43+2.2%

BCML earnings FAQ

What is BCML's expected move for earnings?

Options currently price a move of about ±10.7%, or $3.24 per share either way from $30.45.

How does BCML stock usually react to earnings?

Across the last 5 reports the average next-day move was ±2.3%, up 1 times and down 4 times.

What is BCML's implied volatility?

BCML's at-the-money implied volatility is about 90% based on the latest options snapshot.

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