BayCom (BCML)
Operates United Business Bank across acquisition-built Western U.S. markets.
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Runs United Business Bank, a single-segment community banking operation serving small businesses, unions, nonprofits, professionals, real estate borrowers, and consumers. Revenue comes mainly from lending, securities, deposits, and service fees, with a Western U.S. branch network built through acquisitions and shaped by commercial real estate credit exposure.
Operates United Business Bank, a single-segment commercial banking franchise serving small and medium-sized businesses, professional firms, real estate professionals, nonprofits, labor unions, and consumers. Products include commercial and multifamily real estate loans, commercial and industrial lending, SBA loans, construction and land loans, deposits, treasury management, ACH, wires, lockbox, remote deposit capture, and digital banking.
Concentrated in the Western United States, the branch network spans California, Colorado, New Mexico, Washington, and Nevada. Expansion has been acquisition-led, with acquired community-market deposits paired with relationship lending in larger metropolitan markets.
Disciplined local credit work and client access to decision makers define the operating model. Commercial real estate exposure, local-market conditions, bank regulation, and the recent leadership transition shape execution.
Company facts
Categories
Target rangeAs of Sep 2, 2026
Latest analyst notes
| Date | Firm | Action | Prior rating | Rating | Prior target | Target |
|---|---|---|---|---|---|---|
| May 26, 2026 | DA Davidson | Downgrade | Buy | Neutral | ||
| Jan 27, 2026 | DA Davidson | Reiterate | Buy | $27 | $34 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $204.5M · Total debt $46.6M · Total assets $2.58B · Shareholders' equity $335.4M
- Revenue
- $33.7M
- Operating income
- −$7.2M
- Net income
- −$7.0M
Raised for 3 straight years — most recently to $0.30 from $0.25 in Dec 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Sep 10, 2026 | Sep 10 | Oct 8 | $0.30 | upcoming |
| Jun 11, 2026 | Jun 11 | Jul 9 | $0.30 | |
| Mar 12, 2026 | Mar 12 | Apr 9 | $0.30 | |
| Dec 11, 2025 | Dec 11 | Jan 9 | $0.30 | raised from $0.25 |
| Sep 11, 2025 | Sep 11 | Oct 9 | $0.25 | raised from $0.20 |
| Jun 12, 2025 | Jun 12 | Jul 10 | $0.20 | raised from $0.15 |
| Mar 13, 2025 | Mar 13 | Apr 10 | $0.15 | |
| Dec 12, 2024 | Dec 12 | Jan 10 | $0.15 | raised from $0.10 |
| Sep 19, 2024 | Sep 19 | Oct 10 | $0.10 |
| Institutions119 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | ≈ 65.14% | 7.11M shares | |
| Insiders17 holders · as of Aug 25, 2026 | 5.05% | 551.3K shares | |
| Strategic holders1 holder · as of Feb 3, 2023 | 6.42% | 700.3K shares | |
| Otherremainder | ≈ 23.39% | 2.55M shares |
10.91M company shares as of Sep 3, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
This quarter's institutional total failed a plausibility check; shown: the largest filers plus last quarter's remainder.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Wellington Management Group LLPInstitution | 9.31% | 1.02M | 13Fas of Jun 30, 2026 |
BlackRock, Inc.Institution | 8.50% | 926,776 | 13Fas of Jun 30, 2026 |
Royce & Associates LPInstitution | 7.38% | 805,051 | 13Fas of Jun 30, 2026 |
BlackRock, Inc.Strategic | 6.42% | 700,331 | 13D/Gfiled Feb 3, 2023 ↗ |
Dimensional Fund Advisors LPInstitution | 5.84% | 637,001 | 13Fas of Jun 30, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings · 13D/13G — an ownership statement filed at 5% or more
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 21, 2026 | Robert G. Laverne | director | +1,000 | $29.85 |
| Aug 20, 2026 | Robert G. Laverne | director | +1,000 | $29.95 |
| Aug 10, 2026 | Christopher F. Baron | director, officer: President and CEO | +8,250 | $30.39 |
| Jul 31, 2026 | Michael J. Perdue | director | +5,000 | $30.17 |
| May 22, 2026 | Michael J. Perdue | director | +2,000 | $30.94 |
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ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BayCom | $30.67 | +0.68% | $331.8M | 25.3 | 13.5 | 2.3 | +2.2% |
| CVB Financial | $22.07 | −0.99% | $3.20B | 14.7 | 12.0 | 4.5 | +42.0% |
| Banc of California | $18.85 | −0.05% | $2.90B | — | 9.9 | 1.6 | — |
| Bank of Marin | $27.03 | −0.14% | $437.8M | 6.6 | 11.7 | 2.2 | +73.1% |
| TriCo Bancshares | $53.85 | +2.18% | $1.73B | 12.9 | 12.4 | 3.2 | +9.9% |
| Westamerica Bancorp | $59.54 | +0.95% | $1.38B | 13.0 | 12.7 | 5.2 | −2.5% |
| FirstSun Capital Bancorp | $40.01 | −0.44% | $1.88B | 24.3 | 9.4 | 3.2 | +74.4% |
| National Bank | $41.93 | +0.81% | $1.86B | 16.2 | 11.0 | 3.1 | +25.1% |
| Banner | $69.80 | −0.34% | $2.38B | 11.6 | 11.2 | 3.6 | +6.1% |
| Median | 13.0 | 11.4 | 3.2 | +25.1% |