BCML PEER ANALYSIS

BayCom Corp — metric-by-metric comparison with peers and the industry median

BCMLBayCom Corp

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Overall Profile & Returns

· Banks - Regional

Position Within Industry

0 = weak quartile, 100 = strong quartile

BCMLIndustry median

Scores normalize each metric against industry quartiles (p25–p75); direction is inverted for lower-is-better metrics.

Return Comparison

1-Year

Split-adjusted

Year-to-Date (YTD)

Key Metric Comparison

P/E

Lower is better

ROE

Higher is better

Net Margin

Higher is better

Revenue Growth

Higher is better

All Metrics

Valuation
Metric	BCML	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
P/E	13.82	15.65	—	2.96●	9.16	13.38	12.88
P/B	1.06	3.99	31,504.34	0.71●	1.41	1.41	1.29
EV/EBITDA	9.35	-9.21●	418,782.20	2.21	-8.43	14.82	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BCML	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Current Ratio	0.02	—	—	—	0.25●	0.12	0.31
Debt/Equity	5.9%	0.0%●	0.0%●	0.0%●	17.0%	209.8%	38.0%
NetDebt/EBITDA	-0.08	-20.34	-28.33●	-0.47	-14.68	5.39	-0.58

Profitability
Metric	BCML	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Net Margin	18.3%	24.7%	28.1%	54.9%●	20.1%	25.9%	20.6%
ROE	7.8%	28.9%●	20.2%	27.4%	14.9%	10.6%	10.9%
ROA	1.0%	1.1%	1.8%	3.7%●	0.8%	0.5%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BCML	ICBCT	ISBTR	TSKB	NWG	LLOY	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	12.7%	—	71.8%●	-1.3%	16.0%	16.2%	19.4%
Div. Yield	3.1%	—	—	—	4.8%●	3.2%	2.5%
Payout	31.0%	—	—	—	—	—	31.4%

Valuation
Metric	BCML	CHMG	WSBF	BRBS	NECB	TSBK	Ind. Median
P/E	13.82	19.66	12.23	29.90	8.52●	11.46	12.88
P/B	1.06	1.37	1.03●	1.29	1.05	1.31	1.29
EV/EBITDA	9.35	6.92	18.39	21.69	5.13●	8.65	9.24
P/S	—	—	—	—	—	—	—

Financial Health
Metric	BCML	CHMG	WSBF	BRBS	NECB	TSBK	Ind. Median
Current Ratio	0.02	—	0.23	—	0.05	179.28●	0.31
Debt/Equity	5.9%●	49.0%	118.6%	62.0%	7.0%	8.5%	38.0%
NetDebt/EBITDA	-0.08	-6.50●	9.39	1.41	-0.82	-0.03	-0.58

Profitability
Metric	BCML	CHMG	WSBF	BRBS	NECB	TSBK	Ind. Median
Net Margin	18.3%	12.8%	14.2%	8.3%	28.5%●	26.7%	20.6%
ROE	7.8%	7.4%	8.5%	3.9%	12.8%●	11.8%	10.9%
ROA	1.0%	0.7%	1.3%	0.5%	2.2%●	1.6%	1.2%
EBITDA Margin	—	—	—	—	—	—	20.4%

Growth + Dividend
Metric	BCML	CHMG	WSBF	BRBS	NECB	TSBK	Ind. Median
Rev. Growth	—	—	—	—	—	—	—
NI Growth	12.7%	-19.3%	57.1%●	—	-5.3%	19.3%	19.4%
Div. Yield	3.1%	1.8%	3.0%	6.3%●	2.8%	2.4%	2.5%
Payout	31.0%	35.2%	36.3%	187.5%	32.0%	27.8%	31.4%

The green dot marks the best value in the group given the metric direction (higher/lower is better). All metrics use trailing-twelve-month (TTM) data.

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Data on this page refreshes once per day. Price data as of Jul 6, 26. This content is for informational purposes only and is not investment advice.