BayCom Corp cash flow to debt ratio of 142.20% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

BayCom Corp's free cash flow has increased 4.99% from $28.66M last year to $30.09M, signaling increasing performance

BayCom Corp's debt to equity ratio is 0.14, which means that the company's assets are healthy financed, signaling financial stability.

BayCom Corp's debt has decreased relative to shareholder equity from 0.27 last year to 0.14 today, signaling strengthened financials

BayCom Corp has a net cash position, so leverage is healthy.

BayCom Corp earns at least as much interest as it pays. Interest obligations are fully covered.

BayCom Corp's profit margin has decreased (46.62%) in the last year from 17.15% to 9.15%, signaling decreasing performance

BayCom Corp's short-term assets of $206.51M exceed its short-term liabilities of $3.75M

BayCom Corp's return on assets of 0.51% is lower than the 5.00% threshold, indicating inefficient asset utilization

BayCom Corp's return on equity of 3.87%, is lower than 15.00%, indicating bad performance

BayCom Corp's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

BayCom Corp had positive net income in 5 out of 5 years, indicating stable and consistent earnings

BayCom Corp has positive free cash flow, indicating the company generates cash after capital expenditures

BayCom Corp has a free cash flow yield of 9.07%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

BayCom Corp's yearly earnings has increased 1.34% since last year from $23.61M to $23.93M, signaling increasing performance

BayCom Corp's yearly revenue has increased 3.00% since last year from $137.71M to $141.83M, signaling increasing performance

ROIC 3.19% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

BayCom Corp's 3-year revenue CAGR of 8.43% is positive, indicating growing revenue over the past 3 years

BayCom Corp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

BayCom Corp had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

BayCom Corp is undervalued relative to its fair value price of 47.43 based on Discounted Cash Flow model

BayCom Corp has an earnings yield of 3.95%, which is below the 4.00% threshold, indicating the stock may be expensive relative to its earnings

BayCom Corp is overvalued relative to its fair value price of 23.56 based on EBITDA multiple model

BayCom Corp has an EV/EBITDA ratio of 4.09x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

BayCom Corp is undervalued relative to its fair value price of 66.97 based on Earnings Fair Value model

BayCom Corp has a PEG-ratio over 1 which is considered overvalued

BayCom Corp has a price-to-book ratio of 0.99x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

BayCom Corp has a price-to-sales ratio of 2.32x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue