BCML
BayCom Corp Financial Services - Banks - Regional Investor Relations →
BayCom Corp (BCML) closed at $31.55 as of 2026-06-19, trading 41.9% above its 200-week moving average of $22.24. The stock is currently moving closer to the line, down from 43.9% last week. The 14-week RSI sits at 70, indicating neutral momentum.
A big spike in selling this week — 2.3x the usual volume, and the price dropped. Sometimes this kind of heavy selling marks the end of a decline. The idea is that the last reluctant holders have finally sold, leaving fewer sellers left to push the price lower.
Over the past 1027 weeks of data, BCML has crossed below its 200-week moving average 13 times. On average, these episodes lasted 32 weeks. Historically, investors who bought BCML at the start of these episodes saw an average one-year return of +5.4%.
With a market cap of $344 million, BCML is a small-cap stock. Return on equity stands at 7.8%. The stock trades at 1.0x book value.
The company has been aggressively buying back shares, reducing its share count by 15.2% over the past three years.
Over the past 19.8 years, a hypothetical investment of $100 in BCML would have grown to $297, compared to $779 for the S&P 500. BCML has returned 5.7% annualized vs 11.0% for the index, underperforming the broader market over this period.
In the past 12 months, corporate insiders have made 2 open-market purchases totaling $1,152,935.
Free cash flow has been declining at a -8.1% compound annual rate. A deteriorating cash flow trend warrants extra scrutiny — the stock may be cheap for a reason.
Business Health
Annual financials — how the underlying business has performed over the past several years.
Cash Flow Free cash flow & net income ($M)
Revenue Annual revenue ($M) — business growth proxy
Total Debt Balance sheet debt ($M)
ROIC Return on invested capital (%)
FCF Yield Free cash flow / market cap (%) — Yartseva signal
Gross Margin Pricing power & competitive moat (%)
Shares Outstanding Buybacks vs dilution (millions)
Growth of $100: BCML vs S&P 500
Monthly data normalized to $100 at start. Vertical dashed lines mark 200-week MA touches.
What Happens After BCML Crosses Below the Line?
Across 13 historical episodes, buying BCML when it crossed below its 200-week moving average produced an average return of +10.5% after 12 months (median +13.0%), compared to +19.9% for the S&P 500 over the same periods. 69% of those episodes were profitable after one year. After 24 months, the average return was +25.2% vs +27.0% for the index.
Each line shows $100 invested at the moment BCML crossed below its 200-week MA. Bold blue = stock average. Gray dashed = S&P 500 average over same periods.
Bean Score Experimental
The Bean Score measures how far a stock's free cash flow yield has deviated from its own quarterly baseline, normalized by the stock's historical behavior. Between earnings dates, FCF is constant — so the score is purely a function of stock price. The levels below show at what prices BCML would reach each dislocation threshold.
Dislocation Price Levels
Prices where BCML's Bean Score would hit each σ threshold. Valid until next earnings report: 2026-07-23.
| Level | σ | Price | Signal |
|---|---|---|---|
| Deep Value | +2σ | $28.83 | Unusually cheap — potential buy zone |
| Value | +1σ | $29.58 | Cheap vs. own history |
| Fair Value | +0σ | $30.38 | Historical mean behavior |
| Expensive | -1σ | $31.21 | Expensive vs. own history |
| Deep Expensive | -2σ | $32.09 | Unusually expensive — potential trim zone |
Quarterly FCF & Yield Trailing twelve-month free cash flow and yield at each quarter end
Signal Accuracy Collecting Data
The Bean Score system is accumulating weekly data to validate signal accuracy. After 13+ weeks of history, this section will display win rates and average returns for each σ threshold crossing — answering the question: "When this score says cheap or expensive, does the price subsequently move in the expected direction?"
Theoretical framework — not backtested or forward-tested. The Bean Score uses trailing twelve-month free cash flow yield as a dislocation identifier. It measures whether the market has pushed a stock's yield unusually far from its own baseline behavior. These levels are reference points for identifying potential swing trade opportunities, not buy/sell signals. FCF values update quarterly with earnings; between reports, all movement is price-driven.
Dislocation Scores Experimental
Each score measures deviation from BCML's own historical baseline — the same idea as the Bean Score, applied to different fundamentals. Positive means cheaper or more dislocated than this stock's norm. Scores marked σ are normalized by the stock's own variability; pp values are simple deltas from its recent baseline.
Theoretical framework — not backtested. These scores describe how unusual today's readings are for this specific company. They are starting points for research, not buy or sell signals. Annual-statement scores (buyback, accruals, FCF vs history) rest on only ~4 yearly data points and are deltas, not sigmas.
Historical Touches
BCML has crossed below its 200-week MA 13 times with an average 1-year return of +5.4% after recovery.
| Crossed Below | Recovered | Weeks | Max Depth | 1-Year Return | Return Since Touch |
|---|---|---|---|---|---|
| Oct 2006 | Feb 2007 | 18 | 7.4% | -9.6% | +203.6% |
| Mar 2007 | Apr 2007 | 4 | 2.4% | -17.2% | +186.2% |
| May 2007 | May 2010 | 155 | 36.9% | -19.1% | +197.2% |
| Jul 2010 | Apr 2012 | 92 | 26.9% | -23.9% | +279.5% |
| May 2012 | Jul 2012 | 7 | 3.7% | +5.0% | +359.4% |
| Jul 2012 | Aug 2012 | 1 | 1.2% | +14.7% | +350.0% |
| Aug 2012 | Aug 2012 | 1 | 0.8% | +15.4% | +347.6% |
| Sep 2012 | Oct 2012 | 6 | 1.2% | +19.9% | +347.6% |
| Apr 2013 | May 2013 | 4 | 2.8% | +29.4% | +342.0% |
| Jun 2013 | Jul 2013 | 5 | 6.4% | +38.4% | +355.8% |
| Mar 2020 | Jan 2022 | 97 | 48.6% | -0.8% | +85.1% |
| Aug 2022 | Oct 2022 | 8 | 5.9% | +6.7% | +85.9% |
| Mar 2023 | Jul 2023 | 18 | 15.6% | +11.1% | +93.8% |
| Average | 32 | — | +5.4% | — |
Frequently Asked Questions
Is BCML below its 200-week moving average?
No. BayCom Corp (BCML) is currently 41.9% above its 200-week moving average of $22.24. It would need to fall to $22.24 to cross below the line.
What is BCML's 200-week moving average price?
BayCom Corp's 200-week moving average is $22.24 as of 2026-06-19. This is the average weekly closing price over roughly the last 4 years, and it acts as a long-term trend line. When a stock drops below this level, it can signal that the price has fallen far enough from the long-term trend to attract value-oriented investors.
What happens when BCML drops below its 200-week moving average?
BCML has crossed below its 200-week moving average 13 times in our data. On average, buying at that moment produced a one-year return of +5.4%. These dips have historically been decent entry points. These episodes lasted 32 weeks on average.
Is BCML a good value right now?
Here's what our data says about BCML as of 2026-06-19: The stock is above its 200-week moving average, so it doesn't currently meet our primary signal. The 14-week RSI is 70. Return on equity is 7.8%. Price-to-book is 1.0x. This is not a buy or sell recommendation — always do your own research.
How does BCML compare to the S&P 500?
Over the past 19.8 years, $100 invested in BCML would have grown to $297, compared to $779 for the S&P 500. That's 5.7% annualized vs 11.0% for the index. BCML has underperformed the broader market over this period.
Does BCML pay a dividend?
Yes. BayCom Corp currently pays a dividend yield of 378.00%.
Not financial advice. This is an educational tool. Past performance does not guarantee future results. Do your own research before making investment decisions.
Data as of week of 2026-06-19