BCML (BayCom) Cyclically Adjusted Book per Share: $26.67 (As of Mar. 2026)


BCML BayCom Corp BCML
68 GF Score
Price $33.57
GF Value $26.76
Valuation Modestly Overvalued
! 4 Warning Signs
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What is BayCom Cyclically Adjusted Book per Share?

BayCom BCML -1.12% 68 Cyclically Adjusted Book per Share is $26.67 as of Mar. 2026. GuruFocus rates BCML with a GF Score™ of 68/100 and a GF Value™ of $26.76 (Modestly Overvalued). The stock has 4 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

BayCom's adjusted book value per share for the three months ended in Mar. 2026 was $31.532. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $26.67 for the trailing ten years ended in Mar. 2026.

During the past 12 months, BayCom's average Cyclically Adjusted Book Growth Rate was 9.10% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 15.10% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of BayCom was 18.00% per year. The lowest was 15.10% per year. And the median was 16.55% per year.

As of today (2026-07-03), BayCom's current stock price is $33.57. BayCom's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was $26.67. BayCom's Cyclically Adjusted PB Ratio of today is 1.26.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of BayCom was 1.56. The lowest was 0.85. And the median was 1.12.


BayCom  (NAS:BCML) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

BayCom's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=33.57/26.67
=1.26

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of BayCom was 1.56. The lowest was 0.85. And the median was 1.12.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


BayCom Cyclically Adjusted Book per Share Related Terms


BayCom Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for BayCom's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

BayCom Cyclically Adjusted Book per Share Chart

BayCom Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 14.45 16.90 20.37 23.72 25.78

BayCom Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 24.45 25.07 25.69 25.78 26.67

BCML vs AVBH, CHMG, CZFS: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, BayCom's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


BayCom Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, BayCom's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where BayCom's Cyclically Adjusted PB Ratio falls into.


BCML
68GF Score
BayCom Corp BCML
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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BayCom Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, BayCom's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=31.532/330.2130*330.2130
=31.532

Current CPI (Mar. 2026) = 330.2130.

BayCom Quarterly Data

Book Value per Share CPI Adj_Book
201509 13.366 237.945 18.549
201512 13.177 236.525 18.396
201612 14.266 241.432 19.512
201703 0.000 243.801 0.000
201706 0.000 244.955 0.000
201709 0.000 246.819 0.000
201712 15.824 246.524 21.196
201803 11.277 249.554 14.922
201806 17.816 251.989 23.347
201809 18.153 252.439 23.746
201812 18.470 251.233 24.276
201903 18.951 254.202 24.618
201906 19.469 256.143 25.099
201909 19.971 256.759 25.684
201912 20.427 256.974 26.249
202003 20.733 258.115 26.524
202006 21.264 257.797 27.237
202009 21.579 260.280 27.377
202012 22.363 260.474 28.350
202103 22.754 264.877 28.367
202106 23.605 271.696 28.689
202109 24.075 274.310 28.981
202112 24.589 278.802 29.123
202203 23.735 287.504 27.261
202206 23.796 296.311 26.519
202209 24.046 296.808 26.752
202212 24.704 296.797 27.485
202303 25.191 301.836 27.559
202306 25.799 305.109 27.922
202309 26.320 307.789 28.238
202312 27.086 306.746 29.158
202403 27.620 312.332 29.201
202406 28.219 314.175 29.660
202409 28.902 315.301 30.269
202412 29.167 315.605 30.517
202503 29.697 319.799 30.664
202506 30.213 322.561 30.930
202509 30.619 324.800 31.129
202512 31.094 324.054 31.685
202603 31.532 330.213 31.532

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $26.67 mean?
BayCom (BCML) has a Cyclically Adjusted Book per Share of $26.67 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on BayCom and its competitors.
Is BayCom's Cyclically Adjusted Book per Share too high?
BayCom's current Cyclically Adjusted Book per Share is $26.67. Overall, BayCom has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BayCom's Cyclically Adjusted Book per Share compare to AVBH and CHMG?
BayCom's Cyclically Adjusted Book per Share of $26.67 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on BayCom and its competitors. BayCom's current Cyclically Adjusted Book per Share is $26.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BayCom stock overvalued right now?
Based on GuruFocus' analysis, BayCom (BCML) is currently considered Modestly Overvalued. The stock's GF Value™ is $26.76, compared to a current price of $33.57 — trading 25.4% above its estimated fair value. The current Cyclically Adjusted Book per Share is $26.67. BayCom's overall GF Score™ is 68/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For BayCom (BCML), the current Cyclically Adjusted Book per Share is $26.67 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is BayCom (BCML) Overvalued in 2026?

Based on GuruFocus' analysis, BayCom stock appears to be overvalued. The current stock price of $33.57 is trading 25.4% above its estimated GF Value™ of $26.76. GuruFocus considers BayCom to be Modestly Overvalued.

Key valuation signals for BCML:

  • Cyclically Adjusted Book per Share: $26.67
  • GF Value™: $26.76 vs. price of $33.57 (25.4% above fair value)
  • GF Score™: 68/100 with 4 warning signs

No single metric tells the full story. See the BCML stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


BayCom Business Description

Address 500 Ygnacio Valley Road, Walnut Creek, CA, USA, 94596
BayCom Corp is a bank holding company for United Business Bank. It provides a broad range of financial services to businesses and business owners as well as individuals through its full-service branches and loan production office. The company targets its services to small and medium-sized businesses, professional firms, real estate professionals, nonprofit businesses, labor unions, and related nonprofit entities and businesses, and individual consumers. Its products and services include deposit products, personal accounts, loans, online banking, cash management, and business savings services. The Company operates as one reportable segment: banking operations.
68GF Score

Get the complete analysis for BCML

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.57
Price
$26.76
GF Value