BCML (BayCom) E10: $1.90 (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 E10?

BayCom BCML -1.12% 68 E10 is $1.90 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 P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

BayCom's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.750. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.90 for the trailing ten years ended in Mar. 2026.

During the past 12 months, BayCom's average E10 Growth Rate was 7.30% per year. During the past 3 years, the average E10 Growth Rate was 9.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of BayCom was 16.90% per year. The lowest was 9.10% per year. And the median was 13.00% per year.

As of today (2026-07-03), BayCom's current stock price is $33.57. BayCom's E10 for the quarter that ended in Mar. 2026 was $1.90. BayCom's Shiller PE Ratio of today is 17.67.

During the past 13 years, the highest Shiller PE Ratio of BayCom was 20.72. The lowest was 10.36. And the median was 14.87.


BayCom  (NAS:BCML) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

BayCom's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=33.57/1.90
=17.67

* 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 Shiller P/E Ratio of BayCom was 20.72. The lowest was 10.36. And the median was 14.87.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


BayCom E10 Related Terms


BayCom E10 Historical Data

* Premium members only.

The historical data trend for BayCom's E10 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 E10 Chart

BayCom Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.09 1.41 1.59 1.74 1.83

BayCom Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
E10 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 1.77 1.80 1.81 1.83 1.90

BCML vs AVBH, CHMG, CZFS: E10 Comparison

For the Banks - Regional subindustry, BayCom's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Banks Industry

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

* The bar in red indicates where BayCom's Shiller PE Ratio falls into.


BCML
68GF Score
BayCom Corp BCML
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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BayCom E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.75/330.2130*330.2130
=0.750

Current CPI (Mar. 2026) = 330.2130.

BayCom Quarterly Data

per share eps CPI Adj_EPS
201509 0.210 237.945 0.291
201512 -0.186 236.525 -0.260
201612 0.000 241.432 0.000
201703 0.260 243.801 0.352
201706 0.230 244.955 0.310
201709 0.460 246.819 0.615
201712 -0.160 246.524 -0.214
201803 0.540 249.554 0.715
201806 0.450 251.989 0.590
201809 0.310 252.439 0.406
201812 0.240 251.233 0.315
201903 0.450 254.202 0.585
201906 0.200 256.143 0.258
201909 0.460 256.759 0.592
201912 0.390 256.974 0.501
202003 0.230 258.115 0.294
202006 0.260 257.797 0.333
202009 0.270 260.280 0.343
202012 0.390 260.474 0.494
202103 0.400 264.877 0.499
202106 0.490 271.696 0.596
202109 0.510 274.310 0.614
202112 0.510 278.802 0.604
202203 0.410 287.504 0.471
202206 0.290 296.311 0.323
202209 0.520 296.808 0.579
202212 0.620 296.797 0.690
202303 0.570 301.836 0.624
202306 0.590 305.109 0.639
202309 0.560 307.789 0.601
202312 0.550 306.746 0.592
202403 0.510 312.332 0.539
202406 0.500 314.175 0.526
202409 0.540 315.301 0.566
202412 0.550 315.605 0.575
202503 0.510 319.799 0.527
202506 0.580 322.561 0.594
202509 0.460 324.800 0.468
202512 0.630 324.054 0.642
202603 0.750 330.213 0.750

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.90 mean?
BayCom (BCML) has a E10 of $1.90 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BayCom and its competitors.
Is BayCom's E10 too high?
BayCom's current E10 is $1.90. 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 E10 compare to AVBH and CHMG?
BayCom's E10 of $1.90 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on BayCom and its competitors. BayCom's current E10 is $1.90. 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 E10 is $1.90. 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 E10 calculated?
E10 is calculated from a company's financial statements. For BayCom (BCML), the current E10 is $1.90 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:

  • E10: $1.90
  • 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$33.57
Price
$26.76
GF Value