BCML (BayCom) Cyclically Adjusted FCF per Share: $1.77 (As of Mar. 2026)


BCML BayCom Corp BCML
68 GF Score
Price $33.57
GF Value $26.76
Valuation Modestly Overvalued
! 4 Warning Signs
View Full Analysis

What is BayCom Cyclically Adjusted FCF per Share?

BayCom BCML -1.12% 68 Cyclically Adjusted FCF per Share is $1.77 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

BayCom's adjusted free cash flow per share for the three months ended in Mar. 2026 was $0.613. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $1.77 for the trailing ten years ended in Mar. 2026.

During the past 12 months, BayCom's average Cyclically Adjusted FCF Growth Rate was 9.30% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 14.00% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of BayCom was 27.40% per year. The lowest was 14.00% per year. And the median was 20.70% per year.

As of today (2026-07-03), BayCom's current stock price is $33.57. BayCom's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was $1.77. BayCom's Cyclically Adjusted Price-to-FCF of today is 18.97.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of BayCom was 30.12. The lowest was 12.30. And the median was 16.89.


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

BayCom's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=33.57/1.77
=18.97

* 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 Price-to-FCF of BayCom was 30.12. The lowest was 12.30. And the median was 16.89.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


BayCom Cyclically Adjusted FCF per Share Related Terms


BayCom Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for BayCom's Cyclically Adjusted FCF 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 FCF per Share Chart

BayCom Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.75 1.16 1.37 1.55 1.72

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 FCF 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 1.62 1.65 1.68 1.72 1.77

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

For the Banks - Regional subindustry, BayCom's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, BayCom's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where BayCom's Cyclically Adjusted Price-to-FCF falls into.


BCML
68GF Score
BayCom Corp BCML
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

BayCom Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.613/330.2130*330.2130
=0.613

Current CPI (Mar. 2026) = 330.2130.

BayCom Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201509 0.000 237.945 0.000
201512 0.000 236.525 0.000
201612 0.000 241.432 0.000
201703 -1.913 243.801 -2.591
201706 1.372 244.955 1.850
201709 0.526 246.819 0.704
201712 0.948 246.524 1.270
201803 0.655 249.554 0.867
201806 -0.218 251.989 -0.286
201809 -0.160 252.439 -0.209
201812 0.377 251.233 0.496
201903 -0.057 254.202 -0.074
201906 0.220 256.143 0.284
201909 0.232 256.759 0.298
201912 0.069 256.974 0.089
202003 -0.308 258.115 -0.394
202006 0.308 257.797 0.395
202009 0.286 260.280 0.363
202012 0.301 260.474 0.382
202103 0.023 264.877 0.029
202106 0.690 271.696 0.839
202109 -0.325 274.310 -0.391
202112 0.451 278.802 0.534
202203 0.211 287.504 0.242
202206 0.625 296.311 0.697
202209 0.901 296.808 1.002
202212 1.205 296.797 1.341
202303 0.633 301.836 0.693
202306 0.947 305.109 1.025
202309 0.175 307.789 0.188
202312 0.604 306.746 0.650
202403 0.342 312.332 0.362
202406 0.660 314.175 0.694
202409 0.840 315.301 0.880
202412 0.713 315.605 0.746
202503 0.820 319.799 0.847
202506 0.511 322.561 0.523
202509 0.570 324.800 0.579
202512 0.835 324.054 0.851
202603 0.613 330.213 0.613

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $1.77 mean?
BayCom (BCML) has a Cyclically Adjusted FCF per Share of $1.77 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on BayCom and its competitors.
Is BayCom's Cyclically Adjusted FCF per Share too high?
BayCom's current Cyclically Adjusted FCF per Share is $1.77. 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 FCF per Share compare to AVBH and CHMG?
BayCom's Cyclically Adjusted FCF per Share of $1.77 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 FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on BayCom and its competitors. BayCom's current Cyclically Adjusted FCF per Share is $1.77. 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 FCF per Share is $1.77. 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 FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For BayCom (BCML), the current Cyclically Adjusted FCF per Share is $1.77 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 FCF per Share: $1.77
  • 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 FCF 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