BayCom Corp
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company provides demand, savings, money market, and time deposit accounts. It also offers commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial a… Read more
BayCom Corp (BCML) - Net Assets
Latest net assets as of December 2025: $338.55 Million USD
Based on the latest financial reports, BayCom Corp (BCML) has net assets worth $338.55 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($2.59 Billion) and total liabilities ($2.26 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $338.55 Million |
| % of Total Assets | 13.05% |
| Annual Growth Rate | 16.43% |
| 5-Year Change | 28.92% |
| 10-Year Change | 333.69% |
| Growth Volatility | 28.84 |
BayCom Corp - Net Assets Trend (2004–2025)
This chart illustrates how BayCom Corp's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for BayCom Corp (2004–2025)
The table below shows the annual net assets of BayCom Corp from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $338.55 Million | +4.37% |
| 2024-12-31 | $324.37 Million | +3.67% |
| 2023-12-31 | $312.87 Million | -1.35% |
| 2022-12-31 | $317.15 Million | +20.77% |
| 2021-12-31 | $262.61 Million | +3.97% |
| 2020-12-31 | $252.59 Million | -0.64% |
| 2019-12-31 | $254.22 Million | +26.63% |
| 2018-12-31 | $200.75 Million | +69.22% |
| 2017-12-31 | $118.64 Million | +51.97% |
| 2016-12-31 | $78.06 Million | +7.85% |
| 2015-12-31 | $72.38 Million | +24.42% |
| 2014-12-31 | $58.17 Million | +11.18% |
| 2013-12-31 | $52.32 Million | +3.26% |
| 2012-12-31 | $50.67 Million | +4.44% |
| 2011-12-31 | $48.52 Million | +44.84% |
| 2010-12-31 | $33.50 Million | +114.32% |
| 2008-12-31 | $15.63 Million | +2.57% |
| 2007-12-31 | $15.24 Million | +10.07% |
| 2006-12-31 | $13.84 Million | -0.26% |
| 2005-12-31 | $13.88 Million | 0.00% |
| 2004-12-31 | $13.88 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to BayCom Corp's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 18040800000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $178.90 Million | 52.84% |
| Common Stock | $166.28 Million | 49.12% |
| Other Comprehensive Income | $-6.63 Million | -1.96% |
| Total Equity | $338.55 Million | 100.00% |
BayCom Corp Competitors by Market Cap
The table below lists competitors of BayCom Corp ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Argosy Research
TWO:3217
|
$291.91 Million |
|
Guangzhou Frontop Digital Creative Technology Co. Ltd. A
SHE:301313
|
$291.93 Million |
|
Shandong Cynda Chemcial Co Ltd
SHG:603086
|
$292.08 Million |
|
YungShin Global Holding Corp
TW:3705
|
$292.12 Million |
|
Phylogica Limited
MU:PH7
|
$291.84 Million |
|
Transcom Inc
TW:5222
|
$291.80 Million |
|
Yongji Printing Co Ltd
SHG:603058
|
$291.76 Million |
|
Cartesian Growth Corporation III Unit
NASDAQ:CGCTU
|
$291.73 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in BayCom Corp's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 324,366,000 to 338,554,000, a change of 14,188,000 (4.4%).
- Net income of 23,931,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 6,372,000.
- Other factors decreased equity by 16,115,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $23.93 Million | +7.07% |
| Other Comprehensive Income | $6.37 Million | +1.88% |
| Other Changes | $-16.11 Million | -4.76% |
| Total Change | $- | 4.37% |
Book Value vs Market Value Analysis
This analysis compares BayCom Corp's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.93x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 3.20x to 0.93x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $9.01 | $28.82 | x |
| 2005-12-31 | $9.01 | $28.82 | x |
| 2006-12-31 | $0.11 | $28.82 | x |
| 2007-12-31 | $9.77 | $28.82 | x |
| 2008-12-31 | $10.08 | $28.82 | x |
| 2010-12-31 | $14.29 | $28.82 | x |
| 2011-12-31 | $12.74 | $28.82 | x |
| 2012-12-31 | $10.47 | $28.82 | x |
| 2013-12-31 | $10.53 | $28.82 | x |
| 2014-12-31 | $12.17 | $28.82 | x |
| 2015-12-31 | $13.18 | $28.82 | x |
| 2016-12-31 | $14.32 | $28.82 | x |
| 2017-12-31 | $18.19 | $28.82 | x |
| 2018-12-31 | $20.71 | $28.82 | x |
| 2019-12-31 | $20.13 | $28.82 | x |
| 2020-12-31 | $21.11 | $28.82 | x |
| 2021-12-31 | $24.13 | $28.82 | x |
| 2022-12-31 | $24.17 | $28.82 | x |
| 2023-12-31 | $25.91 | $28.82 | x |
| 2024-12-31 | $28.80 | $28.82 | x |
| 2025-12-31 | $31.07 | $28.82 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently BayCom Corp utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.07%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.87%
- • Asset Turnover: 0.05x
- • Equity Multiplier: 7.66x
- Recent ROE (7.07%) is above the historical average (5.69%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | -5.27% | -224.54% | 0.01x | 1.84x | $-2.12 Million |
| 2005 | -3.79% | -30.01% | 0.04x | 3.12x | $-1.91 Million |
| 2006 | 3.08% | 14.64% | 0.04x | 5.39x | $-958.40K |
| 2007 | 7.92% | 18.21% | 0.07x | 5.95x | $-316.56K |
| 2008 | 2.05% | 4.86% | 0.06x | 6.97x | $-1.24 Million |
| 2010 | 1.85% | 7.31% | 0.05x | 5.19x | $-2.73 Million |
| 2011 | 15.07% | 39.41% | 0.07x | 5.56x | $2.46 Million |
| 2012 | 4.25% | 18.53% | 0.04x | 6.25x | $-2.91 Million |
| 2013 | 5.14% | 17.45% | 0.05x | 6.54x | $-2.54 Million |
| 2014 | 8.90% | 25.41% | 0.04x | 8.67x | $-638.98K |
| 2015 | 10.30% | 27.49% | 0.04x | 8.61x | $214.42K |
| 2016 | 7.57% | 19.04% | 0.05x | 8.65x | $-1.89 Million |
| 2017 | 4.43% | 10.78% | 0.04x | 10.50x | $-6.60 Million |
| 2018 | 7.22% | 22.64% | 0.04x | 7.36x | $-5.58 Million |
| 2019 | 6.81% | 20.25% | 0.04x | 7.84x | $-8.10 Million |
| 2020 | 5.43% | 14.36% | 0.04x | 8.69x | $-11.53 Million |
| 2021 | 7.88% | 22.30% | 0.04x | 8.95x | $-5.57 Million |
| 2022 | 7.48% | 21.33% | 0.04x | 7.92x | $-7.98 Million |
| 2023 | 8.77% | 20.63% | 0.05x | 8.16x | $-3.86 Million |
| 2024 | 7.28% | 17.15% | 0.05x | 8.21x | $-8.82 Million |
| 2025 | 7.07% | 16.87% | 0.05x | 7.66x | $-9.92 Million |
Industry Comparison
This section compares BayCom Corp's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| BayCom Corp (BCML) | $338.55 Million | -5.27% | 6.66x | $291.86 Million |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |