BayCom Corp (BCML) Latest Filing Signal

Based on earningsVibe SuperAnalyst™ synthesis of the latest 10-K, BayCom Corp's filing signal continuing negative.

BayCom Corp, through its wholly owned subsidiary United Business Bank, operates as a commercial bank holding company headquartered in Walnut Creek, California. The company provides a comprehensive range of financial services to businesses and individuals across 34 full-service branches, with a significant presence in California, as well as operations in Nevada, Washington, New Mexico, and Colorado. BayCom's strategy focuses on enhancing shareholder value through consistent earnings growth, achieved by expanding its commercial banking franchise via strategic acquisitions and organic growth. The bank targets small and medium-sized businesses, professional firms, and individual consumers, emphasizing relationship-based banking and personalized service. As of December 31, 2025, BayCom reported consolidated assets of $2.6 billion, loans of $2.0 billion, and deposits of $2.2 billion.

The company's profitability is primarily driven by its net interest income, which is the difference between interest earned on its assets and interest paid on its liabilities, after accounting for the provision for credit losses. Noninterest income and noninterest expenses also affect net income.