Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
BayComBCML -1.61%68 EV-to-OCF is 12.68 as of Aug. 18, 2026, which is 3% below its 10-year median of 13.04. GuruFocus rates BCML with a GF Score™ of 68/100 and a GF Value™ of $29.15 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, BayCom ranks worse than 78.52% on this metric.
EV-to-OCF is calculated as enterprise value divided by its cash flow from operations. As of today, BayCom's Enterprise Value is $359.0 Mil.
BayCom's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 was $28.3 Mil. Therefore, BayCom's EV-to-OCF for today is 12.68.
The historical rank and industry rank for BayCom's EV-to-OCF or its related term are showing as below:
BCML'
s EV-to-OCF Range Over the Past 10 Years
Min: -81.45 Med: 13.04 Max: 347.51
Current: 12.68
During the past 13 years, the highest EV-to-OCF of BayCom was 347.51. The lowest was -81.45. And the median was 13.04.
BCML's EV-to-OCF is ranked worse than 78.52% of 1499
companies
in the Banks industry
Industry Median: 3.92
vs BCML: 12.68
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
As of today (2026-08-18), BayCom's stock price is $30.60.
BayCom's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was $1.200. Therefore, BayCom's PE Ratio (TTM) for today is 25.50.
EV-to-OCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
BayCom's share price for today is $30.60.
BayCom's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $1.200.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Cash Flow from Operations is an important financial metric because it represents the cash generated from operating activities at a company's disposal. Companies with a low EV-to-OCF ratio, combined with a strong balance sheet are generally considered as undervalued.
BayCom EV-to-OCF Related Terms
BayCom EV-to-OCF Historical Data
* Premium members only.
The historical data trend for BayCom's EV-to-OCF 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.
For the Banks - Regional subindustry, BayCom's EV-to-OCF, along with its competitors' market caps and EV-to-OCF 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 EV-to-OCF vs Banks Industry
For the Banks industry and Financial Services sector, BayCom's EV-to-OCF distribution charts can be found below:
* The bar in red indicates where BayCom's EV-to-OCF falls into.
BayCom's current Enterprise Value is $359.0 Mil.
BayCom's Cash Flow from Operations for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $28.3 Mil.
* 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 (BCML) has a EV-to-OCF of 12.68 as of Aug. 18, 2026. This is near median its historical median of 13.04. According to the industry distribution chart, BayCom ranks #1177 out of 1499 companies in the Banks industry, placing it in the top 78.5%.
Is BayCom's EV-to-OCF too high?
BayCom's current EV-to-OCF of 12.68 is near median its 10-year median of 13.04. The Banks industry median EV-to-OCF is 3.92. BayCom's value of 12.68 is 223.5% above this industry median. Based on the distribution chart, BayCom ranks #1177 out of 1499 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BayCom has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does BayCom's EV-to-OCF compare to MSBC and TSBK?
According to the Banks industry distribution chart, BayCom ranks #1177 out of 1499 companies for EV-to-OCF. This places BayCom in the lower half of its industry. The industry median EV-to-OCF is 3.92. BayCom's value of 12.68 is 223.5% above this benchmark. While the company's 10-year median is 13.04 vs. the industry median of 3.92, BayCom has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-OCF for a Banks company?
The median EV-to-OCF among Banks companies is 3.92, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-OCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-OCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayCom's current EV-to-OCF of 12.68 is 223.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-OCF mean?
A high EV-to-OCF can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median EV-to-OCF is 3.92 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayCom's current EV-to-OCF is 12.68, which is near median its own 10-year median of 13.04. 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 Fairly Valued. The stock's GF Value™ is $29.15, compared to a current price of $30.60 — trading 5% above its estimated fair value. The current EV-to-OCF is 12.68, which is near median its 10-year median of 13.04 and 223.5% above the Banks industry median of 3.92. BayCom's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-OCF calculated?
EV-to-OCF is calculated from a company's financial statements. For BayCom (BCML), the current EV-to-OCF is 12.68 as of Aug. 18, 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 $30.60 is trading 5% above its estimated GF Value™ of $29.15.
GuruFocus considers BayCom to be Fairly Valued.
Key valuation signals for BCML:
EV-to-OCF: 12.68 (near median its 10-year median of 13.04)
GF Value™: $29.15 vs. price of $30.60 (5% above fair value)
Industry Position: 223.5% above the Banks median (#1177 of 1499)
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 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
EV-to-OCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BCML has been successfully added to your 
