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BayComBCML -1.61%68 OCF Margin % is 20.06% as of Jun. 2026, which is 8% below its 10-year median of 21.78. 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 1,498 Banks companies, BayCom ranks worse than 55.67% on this metric.
The historical data trend for BayCom's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BayCom's OCF Margin % distribution charts can be found below:
* The bar in red indicates where BayCom's OCF 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 OCF Margin % of 20.06% as of Jun. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on BayCom and its competitors. This is near median its historical median of 21.78. Over the past decade, BayCom's OCF Margin % has ranged from 9.06 to 39.26. According to the industry distribution chart, BayCom ranks #834 out of 1498 companies in the Banks industry, placing it in the top 55.7%.
Is BayCom's OCF Margin % too high?
BayCom's current OCF Margin % of 20.06% is near median its 10-year median of 21.78. Over the past 10 years, this metric has ranged from a low of 9.06 to a high of 39.26. The Banks industry median OCF Margin % is 30.19. BayCom's value of 20.06% is 33.6% below this industry median. Based on the distribution chart, BayCom ranks #834 out of 1498 companies in the Banks industry, which is below the industry midpoint. 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 OCF Margin % compare to MSBC and TSBK?
According to the Banks industry distribution chart, BayCom ranks #834 out of 1498 companies for OCF Margin %. This places BayCom in the lower half of its industry. The industry median OCF Margin % is 30.19. BayCom's value of 20.06% is 33.6% below this benchmark. Historically, BayCom's own OCF Margin % has ranged from 9.06 to 39.26 over the past decade. While the company's 10-year median is 21.78 vs. the industry median of 30.19, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 30.19, based on 1,498 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. BayCom's current OCF Margin % of 20.06% is 33.6% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on BayCom and its competitors. For the Banks industry, the median OCF Margin % is 30.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BayCom's current OCF Margin % is 20.06%, which is near median its own 10-year median of 21.78. 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 OCF Margin % is 20.06%, which is near median its 10-year median of 21.78 and 33.6% below the Banks industry median of 30.19. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For BayCom (BCML), the current OCF Margin % is 20.06% as of Jun. 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:
OCF Margin %: 20.06% (near median its 10-year median of 21.78)
GF Value™: $29.15 vs. price of $30.60 (5% above fair value)
Industry Position: 33.6% below the Banks median (#834 of 1498)
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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