If You Invested in Baycom Corp (BCML)
Looking for the live price? See the BCML quote & overviewWhat $1,000 or $10,000 in BCML Would Be Worth Today
Real historical value by amount invested and how long ago| If you invested | 1 year ago | 5 years ago | 10 years ago | Since Jul 9, 2015 |
|---|---|---|---|---|
| $1,000 | $1,157 +16% | $1,921 +92% | $2,791 +179% | $2,897 +190% |
| $10,000 | $11,566 +16% | $19,208 +92% | $27,907 +179% | $28,970 +190% |
Based on real historical closing prices through the latest market close. Past performance does not guarantee future results.
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Choose your own date and amount for BCML$1,000 Investment Over Time
BCML vs S&P 500Year-by-Year Returns
BCML annual performance| Year | Start Price | End Price | Annual Return | Cumulative |
|---|---|---|---|---|
| 2017 | $14.92 | $19.45 | +30.4% | +30.4% |
| 2018 | $19.45 | $23.09 | +18.7% | +54.8% |
| 2019 | $22.38 | $22.74 | +1.6% | +52.4% |
| 2020 | $22.60 | $15.17 | -32.9% | +1.7% |
| 2021 | $14.94 | $18.76 | +25.6% | +25.7% |
| 2022 | $18.79 | $18.98 | +1.0% | +27.2% |
| 2023 | $18.98 | $23.59 | +24.3% | +58.1% |
| 2024 | $23.30 | $26.84 | +15.2% | +79.9% |
| 2025 | $26.20 | $29.40 | +12.2% | +97.1% |
| 2026 | $28.82 | $33.46 | +16.1% | +124.3% |
About Baycom Corp
State Commercial Banks · NASDAQ
BayCom Corp (NASDAQ: BCML) is a bank holding company for United Business Bank. It operates in the commercial banking industry within the broader finance and insurance sector. According to company disclosures and regulatory filings, BayCom focuses on providing banking services through United Business Bank to businesses, business owners, and individual consumers.
The company states that United Business Bank offers deposit products, personal accounts, loans, online banking, cash management, and business savings services. BayCom targets its services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor unions, related nonprofit entities, and individual consumers. Through these activities, BayCom participates in traditional commercial banking by gathering deposits and extending credit.
BayCom Corp is incorporated in California, as indicated in its SEC filings, and is identified under Commission File Number 001-38483 and IRS Employer Identification Number 37-1849111. The company’s filings list Walnut Creek, California as its location, reflecting its base of corporate operations. As the parent of United Business Bank, BayCom’s financial performance is closely tied to the bank’s lending, deposit, and investment activities.
Business focus and customer segments
BayCom’s stated strategy centers on serving small and medium-sized businesses and related organizations, along with individual consumers. The company highlights relationships with professional firms, real estate professionals, nonprofit entities, labor unions, and related nonprofit organizations. These customer groups use United Business Bank for deposit accounts, lending, and other banking services described by the company.
The bank’s product set, as described in available information, includes deposit products and personal accounts for individuals, along with loans and business savings services for commercial clients. Online banking and cash management services are also part of its offering, supporting both business and consumer customers in managing funds and transactions.
Financial performance characteristics
BayCom’s earnings releases, furnished via Form 8-K, show that the company reports net interest income, noninterest income, provision for credit losses, and other standard commercial banking metrics. For example, in its earnings releases for quarters in 2024 and 2025, BayCom discusses net interest margin, return on average assets, loan balances, deposit balances, nonperforming loans, and the allowance for credit losses on loans. These disclosures indicate that the company’s results are influenced by loan growth, deposit mix, funding costs, and credit loss provisions.
The company’s reported performance highlights include information on annualized net interest margin, the level of nonperforming loans as a percentage of total loans, and the allowance for credit losses as a percentage of total loans. BayCom also reports on interest income from loans, investment securities, and interest-bearing balances in banks, as well as interest expense on deposits and subordinated debt. These elements together describe how BayCom’s banking operations generate earnings and manage risk over time.
Capital, dividends, and share repurchases
United Business Bank is described in multiple earnings releases as a “well-capitalized” institution for regulatory capital purposes at various reporting dates. BayCom’s SEC filings and press releases also note that the company’s Board of Directors has declared recurring quarterly cash dividends on its common stock. For example, Form 8-K filings dated August 21, 2025 and November 20, 2025 report declared quarterly cash dividends per share, with specified record and payment dates.
In addition, BayCom’s earnings releases describe share repurchase activity, including the number of common shares repurchased and the average cost per share during several quarters in 2024 and 2025. These disclosures indicate that the company uses dividends and share repurchases as capital management tools, subject to its financial performance and regulatory considerations.
Funding, loans, and asset mix
BayCom’s quarterly earnings releases detail its loan portfolio and funding base. The company reports total loans (net of deferred fees), total deposits, and the proportion of noninterest-bearing deposits to total deposits at various quarter-end dates. It also provides information on nonperforming loans and the allowance for credit losses on loans, expressed both in dollar terms and as a percentage of total loans.
The company discloses interest income on loans, including fees, investment securities, and federal funds sold and interest-bearing balances in banks. It also reports interest expense on deposits and subordinated debt. These disclosures show how BayCom’s asset mix—loans, investment securities, and interest-bearing balances in banks—interacts with its funding structure, primarily deposits, to drive net interest income and net interest margin.
Regulatory and shareholder matters
BayCom files periodic and current reports with the U.S. Securities and Exchange Commission. Recent Form 8-K filings include earnings releases, dividend declarations, and other events such as the planned redemption of subordinated notes. A Form 8-K dated August 15, 2025 describes the company’s notice to redeem all of its outstanding 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030, specifying the aggregate principal amount, redemption date, and that the redemption payment will be made using cash on hand.
Another Form 8-K dated June 20, 2025 summarizes the results of BayCom’s 2025 Annual Meeting of Shareholders, including the election of directors, an advisory vote on executive compensation, and ratification of the independent registered public accounting firm. These filings illustrate BayCom’s ongoing corporate governance and shareholder engagement practices.
Stock information
BayCom Corp’s common stock trades on the NASDAQ under the ticker symbol BCML, as stated in its press releases and SEC filings. The company’s announcements about cash dividends, share repurchases, and quarterly earnings are relevant to investors and analysts who follow BCML stock as part of the commercial banking and financial services sector.
Summary
In summary, BayCom Corp is a California-incorporated bank holding company for United Business Bank, operating in the commercial banking industry. It focuses on serving small and medium-sized businesses, professional firms, real estate professionals, nonprofit organizations, labor unions, related entities, and individual consumers. Through deposit products, personal accounts, loans, online banking, cash management, and business savings services, BayCom participates in traditional banking activities and reports its financial and regulatory information through regular SEC filings and public earnings releases.
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Frequently Asked Questions
Baycom Corp investment returns
How much would $1,000 invested in Baycom Corp be worth today?
If you invested $1,000 in Baycom Corp (BCML) 10 years ago on 2016-07-08, your investment would be worth $2,791 today, representing a +179.1% total return, growing at a compounded rate of 10.8% per year (CAGR).
Has Baycom Corp outperformed the S&P 500?
Over the past 10 years, BCML returned +179.1% compared to +253.3% for the S&P 500, underperforming the benchmark by 74.2 percentage points.
What is Baycom Corp's average annual return?
The compound annual growth rate (CAGR) of BCML over the past 10 years is 10.8%, growing at a compounded rate each year. Individual years vary significantly — BCML's best recent year was 2017 (+30.4%) and worst was 2020 (-32.9%).
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