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
Target rangeAs of Sep 22, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| May 26, 2026 | DA Davidson | Downgrade | ||
| Jan 27, 2026 | DA Davidson | Reiterate | Rating: —Target: $27 | Target: $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
HistoryDividendAnnual yield
| Institutions | ≈ 65.14% | 7.11M shares | |
|---|---|---|---|
| 119 holders · as of Jun 30, 2026 · largest filers plus last quarter's tail | |||
| Insiders | 5.05% | 551.3K shares | |
| 17 holders · as of Aug 25, 2026 | |||
| Strategic holders | 6.42% | 700.3K shares | |
| 1 holder · as of Feb 3, 2023 | |||
| Other | ≈ 23.39% | 2.55M shares | |
| remainder | |||
10.91M company shares as of Sep 23, 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 | Date |
|---|---|---|---|
Wellington Management Group LLPInstitution | 9.31% | 1.02M | as of Jun 30, 2026 |
BlackRock, Inc.Institution | 8.50% | 926,776 | as of Jun 30, 2026 |
Royce & Associates LPInstitution | 7.38% | 805,051 | as of Jun 30, 2026 |
BlackRock, Inc.Strategic | 6.42% | 700,331 | filed Feb 3, 2023 |
Dimensional Fund Advisors LPInstitution | 5.84% | 637,001 | as of Jun 30, 2026 |
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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Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| BayCom | $29.64 | −0.99% | $326.5M | 24.9 | 13.1 | 2.3 | +2.2% |
| CVB Financial | $22.20 | +0.16% | $3.18B | 14.6 | 12.0 | 4.5 | +42.0% |
| Banc of California | $17.97 | −0.75% | $2.78B | — | 9.4 | 1.6 | +4.7% |
| Bank of Marin | $27.87 | −0.46% | $453.3M | 6.9 | 12.0 | 2.3 | +73.1% |
| TriCo Bancshares | $51.91 | −0.78% | $1.68B | 12.5 | 12.0 | 3.1 | +9.9% |
| Westamerica Bancorp | $59.41 | +0.62% | $1.39B | 13.0 | 12.8 | 5.2 | −2.5% |
| FirstSun Capital Bancorp | $38.96 | −0.99% | $1.84B | 23.8 | 9.1 | 3.1 | +65.2% |
| National Bank | $40.25 | +0.27% | $1.80B | 15.6 | 10.7 | 3.0 | +25.1% |
| Banner | $68.54 | −0.49% | $2.34B | 11.4 | 11.3 | 3.5 | +6.1% |
| Median | 13.0 | 11.6 | 3.1 | +17.5% |