BCML Stock Analysis: Buy, Sell, or Hold?
BCML - BayCom Corp Common Stock
$29.18
0.12 (0.41%)
▲
HOLD
MODERATE Confidence
Last Updated: January 29, 2026
Earnings: Jan 22, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: BCML shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: BCML shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$45.42
Based on 6.7% avg growth
INTRINSIC VALUE TODAY
$28.20
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: BCML is currently trading at $29.18, which is considered fair relative to its 30-day fair value range of $28.55 to $30.03. From a valuation perspective, the stock is trading at a discount (Forward PE: 10.1) compared to its historical average (11.4). Remarkably, the market is currently pricing in an annual earnings decline of 3.9% over the next few years. This pessimistic expectation contrasts with the company's recent 14.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, BCML is in a uptrend. Immediate support is located at $28.21, while resistance sits at $30.64.
Market Sentiment: BCML has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $32.67 (+12.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, BCML is in a uptrend. Immediate support is located at $28.21, while resistance sits at $30.64.
Market Sentiment: BCML has a weak technical setup (25/100), with bearish trendlines and momentum suggesting caution for short-term entries. Wall Street analysts see significant upside, with an average price target of $32.67 (+12.4%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$28.55 -
$30.03
Company Quality Score
54/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
51.9%
Protect Your Profits
Holding BCML? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BEARISH: Weak technical setup (25/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($32.67)
Fair Price Analysis
30-Day Fair Range
$28.55 -
$30.03
Current vs Fair Value
FAIR
Expected Move (7 Days)
±$1.65
(5.7%)
Support & Resistance Levels
Support Level
$28.21
Resistance Level
$30.64
Current Trend
Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
10.08
Wall Street Target
$32.67
(+12.4%)
Revenue Growth (YoY)
6.5%
Earnings Growth (YoY)
14.4%
Profit Margin
24.8%
Valuation Discount vs History
-3.9% cheaper
PE vs Historical
10.1 vs 11.4
CHEAP
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-3.9%
(market-implied from PE analysis)
1-Year Target
$27.93
(-4%)
2-Year Target
$26.84
(-8%)
3-Year Target
$25.79
(-11%)
3-Yr Target (if PE normalizes)
(PE: 10→11)
$29.17
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 9.4%)
$84.08
(+189%)
Base:
(SPY PE: 10.1, Growth: 9.4%)
$38.00
(+31%)
Bear:
(PE: 8.6, Growth: 9.4%)
$32.30
(+11%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 13.11 | Current EPS (TTM): $2.18
Bull Case
$41.57
(+42%)
Analyst growth 32.3%, PE expands to 14.4
Base Case
$37.79
(+30%)
Market implied 32.3%, PE stable at 13.1
Bear Case
$19.43
(-33%)
Severe decline -20.0%, PE contracts to 11.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 10.1 to 11.4
Stabilization Target:
$32.87
(+13.1%)
PE Expansion Potential:
+13.1%
Last updated: January 30, 2026 11:04 PM ET
Data refreshes hourly during market hours. Next update: 12:04 AM
Data refreshes hourly during market hours. Next update: 12:04 AM
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Technical Signals Check
Is BCML showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced BCML Option Strategies
Professional options setups generated by AI based on today's BCML price and gamma walls.
