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Why BCML Stock advanced +1.79% Today — RQD Quant Desk Flash

$31.32 +1.79% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $31.36

BayCom Corp (BCML) carries a Roarable Rating of C- (Hold) with 61/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C- • HOLD / WATCH Cap $336.0M
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
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🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BCML stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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As of 2026-11-03, BayCom Corp (NASDAQ: BCML) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $31.32 (+1.79% 1D, market cap $336.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, BCML ranks #371 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BCML compare to CBNA and MVBF in the Financials sector?
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Within the Financials sector (Major Banks), BCML carries a Roarable C- (61/100 RQD), trailing P/E of 14.1x, gross margin of —, and ROIC of 7.1%. By comparison, CBNA (Chain Bridge Bancorp Inc. (Class A)) holds a D+ grade (58/100 RQD, P/E 16.7x, ROIC 12.0%, cap $332.0M) and MVBF (MVB Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $330.3M). Among the 5-stock peer group, COSO leads on earnings multiple (13.2x) while CBNA leads on capital efficiency (12.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BCML?
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Per BCML's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001730984), BayCom Corp generated $1.09B in revenue (-2.7% YoY), $23.9M in net income, and $30.1M in free cash flow against $2.59B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $31.36 (+0.13%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 2.8% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 61/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.5% avg 90D alpha vs SPY • 53.9% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C-
025507510061
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- · Rk C
Cash (12)Whales (8)SEC (13)Macro (12)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+1.3% Base Target
$37 Bull$32 Base$25 Bear
📬 FREE BCML RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BCML)Realized 20D OHLCV Swing Band: ±4.4%
Deterministic 5-Pillar Attribution (61/100 Composite)
🔍 WHY BCML SCORES 61/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (26% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (21% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
53
Grade C-$30.70+1.8% Next Q
Q2 (-2Q)
56
Grade C$31.26-2.6% Next Q
Q3 (-1Q)
58
Grade C$30.45+2.9% Next Q
Current
61
Grade C-$31.32+0.5% Hist 90D α
Trajectory: C- (53) → C- (61)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the BCML Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 61/100 (C-) score, BCML faces multiple-compression risk if 14.1x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($30.53) or 200D SMA ($30.58) invalidates the momentum regime and cuts Target Base ($31.74) toward Bear Floor ($24.76).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BCML• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “BCML Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 61%NO 39%Trade / Inspect Odds →
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →

Why BCML Stock advanced +1.79% Today — RQD Quant Desk Flash

BayCom Corp (BCML) advanced +1.79% to $31.32, trading at 55% of its 52-week range ($26.82 – $34.98). Solid steady margins (7% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.

  • ▸Technical Tape: Trading at 55% of its 52-week range ($26.82 – $34.98) with RSI-14 at 50 (NEUTRAL RANGE).
  • ▸Volatility Profile: Historical 20-day realized swing band of ±4.4% around $31.32 (no active unusual options sweep snapshot on file).
  • ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $30.1M annual free cash flow.
Live BCML Headlines & Catalysts
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (BCML Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
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BCML // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.24%📐 HORIZONTAL RANGE
2026-11-03O $30.82H $31.32L $30.77C $31.32VOL 51.1K
RES: $32.16SUP: $28.89SMA50: $30.53SMA200: $30.58
$35.40$33.66$31.93$30.20$28.46RES $32.16SUP $28.89$31.322026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BCML Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BCML Butterfly Map → + Track BCML →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
5.9%/yr Implied 5Y Growth

vs. -2.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on BCML today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BCML. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for BCML today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BCML)

Financials Rank #371 of 1097 ⚔️ CBNA vs BCML Full Matrix →

1. Head-to-Head Financials Peer Comparison (BCML vs. CBNA, MVBF, COSO, JMSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, BayCom Corp (BCML) ranks #371 by composite RQD confidence (61/100, grade C-) and #786 by equity capitalization ($336.0M). Within this direct 5-issuer industry benchmark cohort, COSO leads on earnings valuation at 13.2x trailing P/E, while CBNA leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. COSO currently holds the highest overall quantitative score in the immediate peer group at 73/100 (B) compared with BCML at 61/100 (C-).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
BCML ACTIVE
BayCom Corp
C- 61/100 14.1x — 7.1% +1.79% $336.0M Benchmark Subject
CBNA
Chain Bridge Bancorp Inc. (Class A)
D+ 58/100 16.7x — 12.0% +1.82% $332.0M /cbna-vs-bcml →
MVBF
MVB Financial Corp.
D 45/100 — — 0.0% +3.10% $330.3M /mvbf-vs-bcml →
COSO
CoastalSouth Bancshares Inc.
B 73/100 13.2x — 9.6% +1.29% $327.1M /coso-vs-bcml →
JMSB
John Marshall Bancorp Inc.
C+ 66/100 15.4x — 8.0% +1.35% $323.7M /jmsb-vs-bcml →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001730984 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), BayCom Corp (BCML) reported GAAP revenue of $1.09B (-2.7% vs. FY2024 revenue of $1.12B , and +782.7% cumulative change since FY2023) , GAAP net income of $23.9M, operating cash flow of $31.8M, and free cash flow of $30.1M (+5.0% YoY). On the balance sheet, BCML closed FY2025 with $2.59B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $1.09B $23.9M $31.8M $30.1M $2.59B —
FY2024 (FY) 2024-12-31 $1.12B $23.6M $30.4M $28.7M $2.66B —
FY2023 (FY) 2023-12-31 $123.4M $27.4M $30.8M $30.8M — —

3. BCML Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BCML stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, BayCom Corp (NASDAQ: BCML) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 61/100 at a spot price of $31.32 (+1.79% 1D, market cap $336.0M). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 8/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 12/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, BCML ranks #371 in composite RQD confidence.

How does BCML compare to CBNA and MVBF in the Financials sector?

Within the Financials sector (Major Banks), BCML carries a Roarable C- (61/100 RQD), trailing P/E of 14.1x, gross margin of —, and ROIC of 7.1%. By comparison, CBNA (Chain Bridge Bancorp Inc. (Class A)) holds a D+ grade (58/100 RQD, P/E 16.7x, ROIC 12.0%, cap $332.0M) and MVBF (MVB Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $330.3M). Among the 5-stock peer group, COSO leads on earnings multiple (13.2x) while CBNA leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for BCML?

Per BCML's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001730984), BayCom Corp generated $1.09B in revenue (-2.7% YoY), $23.9M in net income, and $30.1M in free cash flow against $2.59B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is BCML trading relative to its 50-day, 200-day, and 52-week technical levels?

BCML last traded at $31.32 (+1.79% on volume of 53,668 shares), positioning the stock +2.59% above its 50-day simple moving average ($30.53) and +2.42% above its 200-day simple moving average ($30.58). Across its 52-week range of $26.82 to $34.98, BCML sits at the 55.1% percentile with a 14-day RSI of 50.0 (NEUTRAL RANGE) and an implied next-earnings move of ±4.4% ($29.94 to $32.70).

Direct Sub-Reports: BCML RQD Cockpit BCML 12M Forecast BCML Earnings & Move BCML Dividends & DRIP BCML Insiders & 13F BCML Whale Options BCML Profit Sankey BCML News & Why
ROARABLE RATING BRIEF • RQD 61/100 (C-) ✓ SEC XBRL & RQD VERIFIED

BCML — BayCom Corp: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

BayCom Corp (BCML) earns a live Roarable RQD composite score of 61/100, corresponding to a C- letter grade (Roarable Hold) at a spot price of $31.32 (+1.79% 1D, market capitalization $336.0M).

  • Fundamental Cash Engine (12/20): Anchored by return on invested capital (ROIC) of 7.1%, gross margin of —, operating margin of —, and free cash flow yield of 8.94%.
  • Whale 13F & Options Flow (8/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (12/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

BayCom Corp (BCML) is a NASDAQ-listed operating company in the Major Banks industry (Financials sector) with an equity market capitalization of $336.0M. The business operates with a gross margin of 0%, an operating margin of 0%, and a return on invested capital (ROIC) of 7.1% (free cash flow yield of 8.94%). Within the Major Banks peer group, investor evaluation centers on operating leverage, unit margin durability, and capital allocation efficiency across market cycles.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), BayCom Corp (BCML) reported $1.09B in annual revenue (up from $1.12B in FY2024, -2.7% YoY) and $23.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($123.4M revenue, $27.4M net income) through FY2025, BCML scaled operating cash flow to $31.8M and free cash flow to $30.1M, backed by $2.59B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C- • RQD 61/100): Company leadership has skin in the game with net positive insider conviction. Free cash flow yield of 8.94% and institutional whale pillar of 8/20. With Fundamental Cash Engine at 12/20 and Institutional Whale Flow at 8/20, sustained execution supports upside toward the upper end of the $26.82 – $34.98 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 14.1x trailing P/E against — operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), BCML carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can BCML sustain or expand its — operating margin and 7.1% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $1.09B and free cash flow of $30.1M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is BCML's 13.1x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

BCML Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for BayCom Corp (BCML) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BCML Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BCML Bull vs. Bear Conversation Board — What's Your Call at $31.32?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BCML 🐻 33% BEARISH CONVICTION
1. Pick Your Side on BCML:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
BR BreakoutHunter RQD DEBATE OPENER • Swing & Catalyst Trader 🐂 BULLISH 🎯 Target: $39.39 (+28.0%)
📌 Pinned Debate

Insider conviction scores 16/20 and the FCF yield of 8.94% supports the cash-generation pillar.

Picked up a starter position in BCML in my $100K Virtual Cash book at $30.77. Insider conviction scores 16/20 and the FCF yield of 8.94% supports the cash-generation pillar.. Trading inside a $26.82–$34.98 52-week range with 8.94% FCF yield gives solid downside support if Major Banks multiples expand this quarter.

VolSurface_Trader 🐂 BULL

@RedlineAuditor Shorting a 8/20 institutional whale-flow stock at $30.77 is dangerous when funds are rotating into Financials.

RE RedlineAuditor RQD DEBATE OPENER • Accounting Quality Watch 🐻 BEARISH 🎯 Target: $24.62 (-20.0%)
Spot @ $30.77

Whale 13F flow scores only 8/20 and recent headlines flag a Q3 margin crunch.

Careful chasing BCML at $30.77. Whale 13F flow scores only 8/20 and recent headlines flag a Q3 margin crunch.. Gross margin is 0.0%, but operating margin is 0.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $24.62 on multiple compression.

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