BayCom (BCML) Financial Ratios

For fiscal 2025 (fiscal year ended Dec 31, 2025), BayCom had a P/E ratio of 13.30 (up from 12.55), return on equity of 7.2% (down from 7.4%), debt-to-equity of 0.07 (down from 0.27) and return on assets of 0.9% (unchanged). Its dividend yield was 3.15% with a payout ratio of 27.6%.

BayCom Financial Ratios Analysis

Valuation, profitability, leverage, and liquidity ratios

Income Statement Balance Sheet Cash Flow Ratios

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Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Valuation Ratios
P/E Ratio	13.30	12.55	9.87	10.31	9.56	12.85
Forward P/E	11.57	12.84	10.44	7.62	9.74	9.65
P/S Ratio	3.30	3.08	2.63	2.53	2.37	2.30
P/B Ratio	0.94	0.91	0.86	0.77	0.75	0.70
Price/Tangible Book	1.07	1.05	1.00	0.90	0.91	0.86
Price/FCF	10.58	10.34	9.44	6.31	21.69	26.01
Price/OCF	10.00	9.76	8.79	6.17	18.97	17.65
PEG Ratio	1.09	1.09	1.09	1.09	1.09	-
Enterprise Value Ratios
Profitability & Returns
Return on Equity (ROE)	7.22%	7.41%	8.71%	8.19%	8.03%	5.42%
Return on Assets (ROA)	0.91%	0.91%	1.08%	0.98%	0.91%	0.66%
Leverage & Solvency Ratios
Debt/Equity	0.07	0.27	0.28	0.28	0.32	0.35
Debt/FCF	0.74	3.03	3.04	2.30	9.28	13.13
Liquidity Ratios
Efficiency Ratios
Yield & Distribution Ratios
Earnings Yield	7.52%	7.97%	10.13%	9.70%	10.46%	7.78%
FCF Yield	9.45%	9.67%	10.60%	15.85%	4.61%	3.85%
Dividend Yield	3.15%	1.78%	1.84%	1.17%	-	-
Payout Ratio	27.58%	14.29%	13.26%	8.51%	-	-
Buyback Yield	2.41%	6.72%	8.00%	-20.60%	9.05%	-1.75%
Total Return	5.57%	8.51%	9.84%	-19.43%	9.05%	-1.75%

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About BayCom Financial Ratios

What is BayCom's P/E ratio?

BayCom's P/E ratio was 13.30 for fiscal 2025 (period ended Dec 31, 2025). It was 12.55 a year earlier.

What is BayCom's return on equity?

BayCom's return on equity (ROE) was 7.2% for fiscal 2025 (period ended Dec 31, 2025). It was 7.4% a year earlier.

What is BayCom's debt-to-equity ratio?

BayCom's debt-to-equity ratio was 0.07 for fiscal 2025 (period ended Dec 31, 2025). It was 0.27 a year earlier.

What is return on equity (ROE)?

Return on equity is net income divided by shareholders' equity. It measures how much profit a company generates from the capital its shareholders have invested. Full definition