Company Quick10K Filing
Baycom
10-Q 2020-03-31 Filed 2020-05-08
10-K 2019-12-31 Filed 2020-03-16
10-Q 2019-09-30 Filed 2019-11-12
10-Q 2019-06-30 Filed 2019-08-09
10-Q 2019-03-31 Filed 2019-05-15
10-K 2018-12-31 Filed 2019-03-19
10-Q 2018-09-30 Filed 2018-11-09
10-Q 2018-06-30 Filed 2018-08-14
S-1 2018-04-11 Public Filing
10-Q 2018-03-31 Filed 2018-06-18
8-K 2020-04-24 Earnings, Exhibits
8-K 2020-03-11 Other Events, Exhibits
8-K 2020-02-05 Other Events, Exhibits
8-K 2020-01-28 Earnings, Exhibits
8-K 2020-01-28 Regulation FD, Exhibits
8-K 2019-11-19 Officers, Exhibits
8-K 2019-11-04 Regulation FD, Exhibits
8-K 2019-11-04 Regulation FD, Other Events, Exhibits
8-K 2019-10-28 Earnings, Exhibits
8-K 2019-10-23 Regulation FD, Exhibits
8-K 2019-10-21 M&A, Other Events, Exhibits
8-K 2019-07-26 Earnings, Exhibits
8-K 2019-06-28 Enter Agreement, Regulation FD, Other Events, Exhibits
8-K 2019-06-18 Shareholder Vote
8-K 2019-05-28 Other Events, Exhibits
8-K 2019-05-24 M&A, Other Events, Exhibits
8-K 2019-05-06 Regulation FD, Exhibits
8-K 2019-04-29 Other Events, Exhibits
8-K 2019-04-29 Earnings, Exhibits
8-K 2019-01-29 Earnings, Exhibits
8-K 2018-12-10 Regulation FD, Exhibits
8-K 2018-12-07 Enter Agreement, Other Events, Exhibits
8-K 2018-11-30 Other Events, Exhibits
8-K 2018-10-24 Earnings, Exhibits
8-K 2018-08-10 Enter Agreement, Other Events, Exhibits
8-K 2018-07-24 Earnings, Exhibits
8-K 2018-07-17 Shareholder Vote
8-K 2018-05-24 Accountant, Exhibits
8-K 2018-05-08 Other Events, Exhibits
8-K 2018-05-03 Enter Agreement, Other Events, Exhibits

Baycom Financials

BCML Metrics, Comps, Filings

Quarterly | Annual

Business

General. BayCom is a bank holding company headquartered in Walnut Creek, California. BayCom's wholly owned banking subsidiary, United Business Bank, provides a broad range of financial services to businesses and business owners as well as individuals through its network of 22 full service branches and one loan production office located in California, with a majority of our branches located in the San Francisco Bay Area, Seattle, Washington and Central New Mexico. The Company's business activities generally are limited to passive investment activities and oversight of its investment in the Bank. Accordingly, the information set forth in this report, including consolidated financial statements and related data, relate primarily to the Bank.

Our principal objective is to continue to increase shareholder value and generate consistent earnings growth by expanding our commercial banking franchise through both strategic acquisitions and organic growth. We believe our strategy of selectively acquiring and integrating community banks has provided us with economies of scale and improved our overall franchise efficiency. We expect to continue to pursue strategic acquisitions and believe our targeted market areas present us with many and varied acquisition opportunities. We are also focused on continuing to grow organically and believe the markets in which we operate currently provide meaningful opportunities to expand our commercial client base and increase our current market share. We believe our geographic footprint, which includes the San Francisco Bay area and the metropolitan markets of Los Angeles and Seattle and other community markets including Albuquerque, New Mexico, provides us with access to low cost, stable core deposits in community markets that we can use to fund commercial loan growth. We strive to provide an enhanced banking experience for our clients by providing them with a comprehensive suite of sophisticated banking products and services tailored to meet their needs, while delivering the high-quality, relationship-based client service of a community bank.

As of December 31, 2018, we had, on a consolidated basis, total assets of  $1.5 billion, total deposits of $1.3 billion, total loans, including loans held for sale, of  $971.0 million (net of allowances) and total shareholders' equity of  $200.8 million.


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Equity

Income Statement ($BB Quarterly)

Revenue, G Profit, Net Income

Cash Flow ($BB Quarterly)

Ops, Inv, Fin

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Central Valley Community Bancorp (CVCY) 293 8.9 1% 1,584 1,351 0 0 17 28 250
CapStar Financial (CSTR) 281 0% 2.7 1% 2,034 1,766 7 0 16 47 127
Pacific City Financial (PCB) 276 0% 2.3 2% 1,699 1,475 2 0 27 66 154
Mutualfirst Financial (MFSF) 276 5.9 1% 2,074 1,852 0 0 17 41 244
Southern First Bancshares (SFST) 275 0% 3.1 1% 2,202 2,003 8 0 21 45 140
Reliant Bancorp (RBNC) 270 0% 6.0 1% 1,852 1,633 1 0 16 37 219
AMES National (ATLO) 265 9.0 1% 1,500 1,314 0 0 13 26 232
Republic First Bancorp (FRBK) 265 0% 8.6 0% 3,086 2,835 6 0 1 31 265
Baycom (BCML) 265 -2.9 1% 1,771 1,530 0 0 13 25 -72
Premier Financial Bancorp (PFBI) 263 3.9 1% 1,710 1,474 0 0 24 36 140
National Bankshares (NKSH) 262 0% 15.1 1% 1,273 1,085 5 0 13 17 262
First Choice Bancorp (FCBP) 258 0% 1.8 1% 1,656 1,397 2 0 22 43 78
Orrstown Financial (ORRF) 253 7.4 1% 2,314 2,090 0 0 13 36 265
Parke Bank (PKBK) 247 2.0 1% 1,598 1,425 0 0 23 47 96
MVB Financial (MVBF) 246 0% 8.6 1% 1,962 1,756 2 0 26 53 455
ACNB (ACNB) 244 6.8 1% 1,736 1,550 0 0 19 29 199
Unity Bancorp (UNTY) 244 1.6 1% 1,664 1,509 0 0 23 48 77
FVCBankcorp (FVCB) 243 7.5 1% 1,565 1,390 0 0 12 30 223
Investar Holding (ISTR) 239 4.5 1% 2,018 1,808 0 0 17 47 210
Fidelity D&D Bancorp (FDBC) 236 10.2 1% 1,011 907 0 0 12 21 217

Balance Sheet ($MM)2018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash256318313324332352337
Accounts Receivable
Inventory
PP&E88811677
Assets1,2421,3461,3441,4781,4821,7721,771
Accounts Payable
Long-Term Debt0
Liabilities1,1191,1521,1471,2781,2761,5371,530
Stockholders' Equity123194197201206235241
Income Statement ($MM)2018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Revenue
Cost of Revenue
Gross Profit
R&D
SG&A00
Tax232212
Net Income444526
Cash Flow ($MM)2018-03-312018-06-302018-09-302018-12-312019-03-312019-06-302019-09-30
Cash Operating5-2-1-033
Cash Investing6-3631727-11
Cash Financing-6100-7-7-11-7