What Is BayCom Corp (BCML) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, BayCom Corp's intrinsic value is estimated at a composite fair value of $78.92. While the stock appears modestly undervalued at $33.70 (implied upside of +134.2%), our analysis suggests a thinner margin of safety across 8 of 11 bullish models. Notably, RCMH-DCF sees the most upside at +381.5% (fair value: $162.27), while EPV is the most conservative at -13.7% ($29.08). The spread between these extremes — +395.2% — reveals how different analytical frameworks can reach starkly different conclusions.
What Do the Models Say About BCML?
11 of 13 models are currently active for BCML. Of these, 8 models suggest upside while 3 models suggest overvaluation. The Bayesian DCF estimates BCML's intrinsic value at $130.82, implying +288.2% upside from the current price. See which stocks rank higher →
How Does BCML Rank in State Commercial Banks?
Among 170 State Commercial Banks stocks, BCML ranks #108 by Quality of Company score. CirclFi's QOC score of 8.0/10 evaluates 32 fundamental signals. A score of 8.0 indicates above-average quality.
See all Most Undervalued State Commercial Banks Stocks →
BayCom Corp's positioning within the State Commercial Banks 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 8/100 (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
11 of 13 models are active for BayCom Corp. Broad coverage provides high confidence. 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 8.0/10. 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 +395.2% — 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 11 active models, average confidence is 32%. 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 →
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