BayCom (BCML) Fundamental Analysis: Revenue, Earnings & Valuation

4.10 / 10

Netural

Fundamental analysis scores 4.1/10 (neutral). Strengths include rising cash, strong gross profit margin and solid liability ratios. Weaknesses are low PB‑ROE and Asset‑MV, limiting upside. Overall financial health is balanced but not compelling.

Analysis Checks(7/10)

Gross profit margin (%)

Value41.83

Score3/3

Weight7.22%

1M Return3.70%

Current liabilities / Total liabilities (%)

Value48.71

Score3/3

Weight7.21%

1M Return3.70%

Profit-MV

Value1.00

Score0/3

Weight7.79%

1M Return4.03%

Net income-Revenue

Value0.37

Score3/3

Weight15.68%

1M Return6.99%

PB-ROE

Value-0.94

Score1/3

Weight9.29%

1M Return4.22%

Non-current liabilities / Total liabilities (%)

Value53.45

Score3/3

Weight7.22%

1M Return3.70%

Total profit / EBIT (%)

Value100.00

Score3/3

Weight7.21%

1M Return3.70%

Cash-UP

Value-0.23

Score3/3

Weight9.99%

1M Return5.00%

Asset-MV

Value-0.55

Score1/3

Weight14.60%

1M Return6.12%

Cash-MV

Value-0.39

Score2/3

Weight13.78%

1M Return6.14%

Is BCML undervalued or overvalued?

BCML scores 4.10/10 on fundamentals and holds a Fair valuation at present. Backed by its 7.22% ROE, 23.80% net margin, 13.55 P/E ratio, 0.96 P/B ratio, and 3.81% earnings growth, these metrics solidify its Netural investment rating.