BayComBCML -1.12%68 FCF Margin % is 24.70% as of Mar. 2026, which is 18% above its 10-year median of 20.98. 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. Among 1,506 Banks companies, BayCom ranks better than 50.13% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. BayCom's Free Cash Flow for the
three
months ended in Mar. 2026 was $6.7 Mil. BayCom's Revenue for the
three
months ended in Mar. 2026 was $27.1 Mil. Therefore, BayCom's FCF Margin % for the quarter that ended in Mar. 2026 was 24.70%.
The historical rank and industry rank for BayCom's FCF Margin % or its related term are showing as below:
BCML'
s FCF Margin % Range Over the Past 10 Years
Min: 7.24 Med: 20.98 Max: 38.43
Current: 26.55
During the past 13 years, the highest FCF Margin % of BayCom was 38.43%. The lowest was 7.24%. And the median was 20.98%.
BCML's FCF Margin % is ranked better than 50.13% of 1506
companies
in the Banks industry
Industry Median: 26.355
vs BCML: 26.55
BayCom FCF Margin % Related Terms
BayCom FCF Margin % Historical Data
* Premium members only.
The historical data trend for BayCom's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BayCom's FCF Margin % distribution charts can be found below:
* The bar in red indicates where BayCom's FCF Margin % falls into.
* 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 FCF Margin % of 24.70% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BayCom and its competitors. This is 18% above median its historical median of 20.98. Over the past decade, BayCom's FCF Margin % has ranged from 7.24 to 38.43. According to the industry distribution chart, BayCom ranks #751 out of 1506 companies in the Banks industry, placing it in the top 49.9%.
Is BayCom's FCF Margin % too high?
BayCom's current FCF Margin % of 24.70% is 18% above median its 10-year median of 20.98. Over the past 10 years, this metric has ranged from a low of 7.24 to a high of 38.43. The Banks industry median FCF Margin % is 26.36. BayCom's value of 24.70% is 6.3% below this industry median. Based on the distribution chart, BayCom ranks #751 out of 1506 companies in the Banks industry, which is above the industry midpoint. 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 FCF Margin % compare to AVBH and CHMG?
According to the Banks industry distribution chart, BayCom ranks #751 out of 1506 companies for FCF Margin %. This puts BayCom in the upper half of its industry. The industry median FCF Margin % is 26.36. BayCom's value of 24.70% is 6.3% below this benchmark. Historically, BayCom's own FCF Margin % has ranged from 7.24 to 38.43 over the past decade. While the company's 10-year median is 20.98 vs. the industry median of 26.36, BayCom has consistently been below 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.36, based on 1,506 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayCom's current FCF Margin % of 24.70% is 6.3% below 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on BayCom and its competitors. For the Banks industry, the median FCF Margin % is 26.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayCom's current FCF Margin % is 24.70%, which is 18% above median its own 10-year median of 20.98. 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 FCF Margin % is 24.70%, which is 18% above median its 10-year median of 20.98 and 6.3% below the Banks industry median of 26.36. 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 FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For BayCom (BCML), the current FCF Margin % is 24.70% 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:
FCF Margin %: 24.70% (18% above median its 10-year median of 20.98)
GF Value™: $26.76 vs. price of $33.57 (25.4% above fair value)
Industry Position: 6.3% below the Banks median (#751 of 1506)
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
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