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BayCom Corp: Business Overview, Financials & Competitive Analysis

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company operates throug...

Analyst-debate audio for BayCom Corp

AskCyborg analysts argue the bull and bear cases for BayCom Corp across 11 stress-tested dimensions. Listen on your commute -- faster than reading the 30-page report.

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6/ 10Solid

Cyborg Score thesis

Regional community bank with solid fundamentals, expanding multi-state presence, and improving dividend policy attracting income...

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Industry Commercial Banking / Regional Bank Holding Company
3 named competitors
3 recent developments
11 analyst dimensions
Synthesized from analyst-debate stress-testing across 11 dimensions and hundreds of data points. Methodology →
Cyborg Score recalibrated: September 14, 2026
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BayCom Corp Overview

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BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company operates through a network of full-service banking branches in Northern and Southern California; Las Vegas, Nevada; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico.

Strategic Profile

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United Business Bank was conceived with the realization that clients deserve access to the decision-makers, with relationships with bank contacts that bring knowledge to advance client business goals. The bank combines regional reach with a community-focused approach to lending and treasury management for small and mid-market businesses.

Competitive Landscape

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BayCom competes with regional and community banks in western US, including larger regional players and smaller community banks. Differentiation centers on SMB lending expertise, treasury management services, and decision-maker accessibility. The company operates across diverse geographies (California, Washington, Nevada, Colorado, New Mexico) to mitigate regional economic cycles.

Industry Context

BayCom Corp operates in Commercial Banking / Regional Bank Holding Company.

Key facts

Founded: 2004 · Headquarters: Walnut Creek, California · Revenue: $96.25M (2024) · Market cap: $326.4M

What the analysts stress-tested

The top findings that survived the multi-agent debate for BayCom Corp.

  • BayCom announced a 20% increase in its quarterly cash dividend to $0.30 per share from $0.25, payable January 9, 2026.
  • Q3 2025 net income was $5.0 million ($0.46 per share), down from prior quarters, though net interest income rose to $23.4 million with 3.72% annualized NIM. Total assets and loans remained steady at $2.6 billion and $2.0 billion.
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Recent developments

Material events tracked by the AskCyborg corpus.

  • January 2026Quarterly dividend increased 20% to $0.30 per share
  • Q3 2025Net income of $5.0 million with $2.6B total assets
  • +1 moreTrack every material event for BayCom Corp as it happens. Explore monitoring →
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Named competitors

Pulled from the analyst-debate framework. Click any competitor to see their Cyborg Score.

Community/Regional BankingTechnology-focused regional bank→Commercial LendingRegional bank with SMB focus→Regional BankingWest Coast regional bank network→

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Industry context

BayCom Corp operates in Commercial Banking / Regional Bank Holding Company. See how the rest of the sector scores on the Cyborg framework.

Top companies in Commercial Banking by Cyborg Score

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Frequently asked questions

What does BayCom Corp do?+
BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company operates throug...
What is BayCom Corp's Cyborg Score?+
BayCom Corp has a Cyborg Score of 6/10 (Solid). The score synthesizes business model, financials, leadership, competitive position, technology, marketing, and ESG dimensions across hundreds of data points.
Who are BayCom Corp's main competitors?+
Named competitors include Community/Regional Banking, Commercial Lending, Regional Banking. The full competitive landscape is in the AskCyborg report.
How can I get the full BayCom Corp research report?+
Get the report plus analyst-debate audio at askcyborg.com -- no credit card required for preview access. Pro adds saved-company audio playlists and monitoring.
How current is the BayCom Corp research?+
The Cyborg Score is recalibrated weekly. Recent developments are tracked continuously and surfaced in every report.

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