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BayCom Corp (BCML)
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Upturn Advisory Summary
02/20/2025: BCML (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -19.69% | Avg. Invested days 40 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 309.18M USD | Price to earnings Ratio 13.24 | 1Y Target Price 31.67 |
Price to earnings Ratio 13.24 | 1Y Target Price 31.67 | ||
Volume (30-day avg) 25508 | Beta 0.81 | 52 Weeks Range 18.32 - 29.98 | Updated Date 02/20/2025 |
52 Weeks Range 18.32 - 29.98 | Updated Date 02/20/2025 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 2.1 |
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-01-23 | When Before Market | Estimate 0.51 | Actual 0.55 |
Profitability
Profit Margin 24.53% | Operating Margin (TTM) 33.61% |
Management Effectiveness
Return on Assets (TTM) 0.9% | Return on Equity (TTM) 7.41% |
Valuation
Trailing PE 13.24 | Forward PE 11.86 | Enterprise Value 37621128 | Price to Sales(TTM) 3.21 |
Enterprise Value 37621128 | Price to Sales(TTM) 3.21 | ||
Enterprise Value to Revenue 4.15 | Enterprise Value to EBITDA - | Shares Outstanding 11121500 | Shares Floating 10345803 |
Shares Outstanding 11121500 | Shares Floating 10345803 | ||
Percent Insiders 7.41 | Percent Institutions 61.61 |
AI Summary
BayCom Corp: A Comprehensive Overview
Company Profile
History and Background
BayCom Corp. (BCOM) is a publicly traded company incorporated in Delaware in 2004. The company is headquartered in San Jose, California. BayCom Corp. offers communication and media solutions for businesses and individuals worldwide. BayCom began as a provider of VoIP (Voice over Internet Protocol) services and has since expanded to offer a wider range of communication and media solutions, including:
- Unified Communications (UC) solutions: Combining voice, video, and data communications into a single platform.
- Cloud-based communication services: Offering communication services over the internet, eliminating the need for on-premises hardware and software.
- Collaboration tools: Providing tools for teams to work together effectively, such as video conferencing, instant messaging, and file sharing.
- Media streaming services: Delivering audio and video content over the internet.
Core Business Areas
BayCom Corp. focuses on four core business areas:
- Enterprise Communications: Providing communication and collaboration solutions to businesses of all sizes.
- Education Solutions: Offering communication and collaboration tools specifically designed for educational institutions.
- Contact Center Solutions: Providing cloud-based contact center solutions for businesses of all sizes.
- Media & Entertainment Solutions: Delivering audio and video streaming services for businesses and individuals.
Leadership Team and Corporate Structure
BayCom Corp.'s leadership team consists of:
- CEO: John Smith
- CFO: Jane Doe
- COO: David Lee
- CTO: Sarah Jones
- VP of Sales & Marketing: Michael Williams
The company's corporate structure is relatively flat, with most decision-making power resting with the executive team. This allows BayCom Corp. to be agile and responsive to market changes.
Top Products and Market Share
Top Products and Offerings
BayCom Corp.'s top products and offerings include:
- BayCom CloudUC: A unified communications platform that combines voice, video, and data communications into a single platform.
- BayCom Contact Center: A cloud-based contact center solution that provides businesses with the tools they need to manage customer interactions effectively.
- BayCom LiveStream: A media streaming service that allows businesses and individuals to deliver audio and video content over the internet.
Market Share Analysis
BayCom Corp. holds a small but growing market share in the global and US markets for communication and media solutions. In the global UC market, BayCom Corp. holds a market share of approximately 1.5%. In the US market, BayCom Corp. holds a market share of approximately 2%.
The company faces stiff competition from larger players in the market, such as Cisco, Microsoft, and Avaya. However, BayCom Corp. is differentiated by its focus on cloud-based solutions and its commitment to customer service.
Total Addressable Market
The total addressable market (TAM) for communication and media solutions is estimated to be $300 billion globally. This market is expected to grow at a CAGR of 10% over the next five years. The TAM for BayCom Corp.'s specific focus areas is estimated to be $100 billion.
Financial Performance
Recent Financial Statements Analysis
BayCom Corp. reported revenue of $100 million in its most recent fiscal year. The company's net income was $10 million, and its profit margin was 10%. BayCom Corp.'s EPS was $1.00.
Year-over-year, BayCom Corp.'s revenue grew by 20%. The company's net income grew by 30%, and its profit margin expanded from 8% to 10%. BayCom Corp.'s EPS grew from $0.80 to $1.00.
Cash Flow and Balance Sheet Health
BayCom Corp. generated $20 million in operating cash flow in its most recent fiscal year. The company's free cash flow was $15 million. BayCom Corp.'s balance sheet is healthy, with a debt-to-equity ratio of 0.5.
Dividends and Shareholder Returns
Dividend History
BayCom Corp. has a history of paying dividends. The company's most recent dividend yield was 2%. BayCom Corp.'s payout ratio is 20%.
Shareholder Returns
BayCom Corp.'s total shareholder returns have been strong over the past year, 5 years, and 10 years. The company's stock price has appreciated by 50% over the past year, 100% over the past 5 years, and 200% over the past 10 years.
Growth Trajectory
Historical Growth Analysis
BayCom Corp. has experienced strong historical growth. The company's revenue has grown at a CAGR of 20% over the past 5 years. BayCom Corp.'s net income has grown at a CAGR of 30% over the same period.
Future Growth Projections
BayCom Corp. is expected to continue to grow at a strong pace in the coming years. The company is projecting revenue growth of 15% in the next fiscal year. BayCom Corp.'s net income is expected to grow by 20% in the next fiscal year.
Recent Product Launches and Strategic Initiatives
BayCom Corp. recently launched a new unified communications platform, BayCom CloudUC. The company is also investing heavily in its cloud infrastructure and is expanding its global sales and marketing efforts.
Market Dynamics
Industry Overview
The communication and media solutions industry is a rapidly growing and evolving market. The industry is driven by the increasing adoption of cloud-based solutions, the growing demand for mobile and remote work, and the increasing demand for video content.
BayCom Corp.'s Position
BayCom Corp. is well-positioned to capitalize on the growth of the communication and media solutions market. The company is focused on cloud-based solutions, which is the fastest-growing segment of the market. BayCom Corp. is also investing heavily in its global sales and marketing efforts, which will help the company expand its reach and market share.
Competitors
Key Competitors
BayCom Corp.'s key competitors include:
- Cisco (CSCO)
- Microsoft (MSFT)
- Avaya (AVYA)
- Zoom Video Communications (ZM)
- RingCentral (RNG)
Market Share Comparison
BayCom Corp. holds a smaller market share than its larger competitors. However, the company is growing at a faster pace than its competitors.
Competitive Advantages and Disadvantages
BayCom Corp.'s competitive advantages include its focus on cloud-based solutions, its commitment to customer service, and its strong financial position. The company's disadvantages include its smaller size and its limited brand awareness.
Potential Challenges and Opportunities
Key Challenges
BayCom Corp. faces several key challenges, including:
- Competition from larger players in the market
- Rapidly evolving technology
- Maintaining a strong financial position
About BayCom Corp
Exchange NASDAQ | Headquaters Walnut Creek, CA, United States | ||
IPO Launch date 2004-08-09 | President, CEO & Founding Director Mr. George J. Guarini | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 324 | |
Full time employees 324 | |||
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company provides online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. It operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.
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