BayCom Corp (BCML) Fair Value 2026

BCML · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.5 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, BayCom Corp (BCML) trades at $29.98, versus a $31.17 median fair value across its 6 active models — 4.0% above the current price. QOC: 8.5/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
BCML
Price
$29.98
Quality Score
8.5/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: Markov DDM suggests +101.7% upside with 48% confidence
Risk: Limited model coverage (6/13) may reduce confidence

Is BayCom Corp (BCML) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, BayCom Corp (BCML) appears fairly valued as of : the median of 6 independent fair value estimates is $31.17, within 4.0% of the current price of $29.98. Estimates range from $14.80 to $60.48. BCML scores 8.5/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. BCML’s +4.0% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy BayCom Corp Stock in 2026? →

What Fair Value Does Each Model Give BCML?

6 Intrinsic Value Models vs. Current Price ($29.98)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $24.70 -17.6%
Ensemble · Low Conviction
 $31.49 +5.0%
Intrinsic · Medium Conviction
 $60.48 +101.7%
Unlock the Full Matrix

Access 3 additional models including ML-RIV, Regime Cross-Sectional, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 6 Models →

Cancel anytime · No contracts · Instant access

What Is BCML's Fair Value Range?

Spread across 6 independent models · $14.80 to $60.48

CirclFi's 6 active models place BayCom Corp (BCML) between $14.80 and $60.48 per share, a spread of 147% of the median. The median of that range — $31.17 — is the fair value CirclFi publishes for BCML, against a current price of $29.98.

Low · ML-RIVHigh · Markov DDM
$14.80median $31.17$60.48
Where the range comes from
Most bearish modelML Residual Income$14.80
Most bullish modelMarkov DDM$60.48
Model agreement3 bullish · 2 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for BCML. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on BCML, not a CirclFi price target. How each model works →

What Is BayCom Corp (BCML) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, BayCom Corp's intrinsic value is estimated at $31.17, presenting a divided outlook at the current price of $29.98. With a median implied return of +4.0% across a split 3–2 (bull–bear) consensus, the model spread of +152.4% underscores analytical uncertainty. Notably, Markov DDM sees the most upside at +101.7% (fair value: $60.48), while ML-RIV is the most conservative at -50.6% ($14.80). The spread between these extremes — +152.4% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About BCML?

6 of 13 models are currently active for BCML. Of these, 4 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for BCML is $31.17 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does BCML Rank in Banks - Regional?

Among 349 Banks - Regional stocks, BCML ranks #55 by Quality of Company score. CirclFi's QOC score of 8.5/10 evaluates 32 fundamental signals. A score of 8.5 places BCML in the top tier.

See all Most Undervalued Banks - Regional Stocks →

BayCom Corp's positioning within the Banks - Regional segment means that CET1 capital ratio plays an outsized role in fundamental analysis. The sector's unique characteristics — including fee income diversification — shape both the opportunity set and risk profile.

Is BCML a Value Trap?

CirclFi's Value Trap algorithm assigns BCML a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for BayCom Corp. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, BayCom Corp earns a quality score of 8.5/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +152.4% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every BCML valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across BCML's 6 active models, average confidence is 36%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy BayCom Corp Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

CCNECNB Financial CorporationQOC 8.5BANFBancFirst CorporationQOC 8.5OVLYOak Valley BancorpQOC 8.5UMBFUMB Financial CorporationQOC 8.5CASHPathward Financial, Inc.QOC 8.5PFISPeoples Financial Services Corp.QOC 8.5CBCCentral Bancompany, Inc.QOC 8.1STLESteele Bancorp Inc.QOC 7.8NEWTNewtekOne, Inc.QOC 6.7ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: CCNE · BANF · OVLY · UMBF · CASH · PFIS · CBC · STLE · NEWT · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to BCML?

6 companies across all industries closest to BCML’s Quality of Company score of 8.5/10.

TRMDTORM plcQOC 8.5GIBCGI Inc.QOC 8.5CAKEThe Cheesecake Factory IncorporatedQOC 8.5CHEFThe Chefs' Warehouse, Inc.QOC 8.5EXPDExpeditors International of Washington, Inc.QOC 8.5NVDANVIDIA CorporationQOC 10.0

Read investment analysis: TRMD · GIB · CAKE · CHEF · EXPD · NVDA

Where Does BCML Sit in CirclFi's Banks - Regional Rankings?

BCML is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About BayCom Corp’s Valuation?

What is BayCom Corp's intrinsic value in 2026?

CirclFi puts BayCom Corp (BCML)'s intrinsic value at $31.17 — the median of 6 independent model estimates as of 2026-08-27, ranging from $14.80 to $60.48. The Quality of Company score is 8.5/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is BCML overvalued or undervalued right now?

At $29.98, 4 of 6 active models suggest BCML may be undervalued, while 2 indicate potential overvaluation. The median of all 6 fair value estimates is $31.17, within 4.0% of the current price of $29.98 — a consensus view that BCML is fairly valued. The assessment depends on which methodology best fits BayCom Corp's business model in Banks - Regional.

What does a Quality of Company score of 8.5 mean for BCML?

BayCom Corp's QOC of 8.5/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on BCML?

CirclFi analyzes BCML with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on BCML?

Of the 6 models currently active on BCML, Markov DDM is the most bullish at $60.48 per share, and ML Residual Income is the most bearish at $14.80. CirclFi's published fair value for BCML is the median of that range, $31.17, not either extreme. The gap between the two ends equals 147% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is BCML a value trap in 2026?

BayCom Corp's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, BayCom Corp (BCML) has a median fair value of $31.17 — within 4.0% of the current price of $29.98 — as of 2026-08-27.” Source: circlfi.com/stock/BCML/ · Methodology
Primary sources for this BCML valuation
  • Financial statements: BayCom Corp 10-K and 10-Q filings on SEC EDGAR (CIK 0001730984) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for BCML as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 6 mathematical frameworks give you clarity on BCML.

Unlock All 6 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for BCML Unlock All 6 — $39/mo