Commercial Banking / Regional Bank Holding Company
Strategic Profile
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.
Cyborg Score Rationale
In 2024, BayCom's revenue was $96.25 million (down 6.4%), with earnings of $23.61 million (down 13.9%). However, the company maintains consistent dividend growth and analyst support with recent increases in quarterly payouts.
Top Insights
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.
Analyst rating for BCML stock is "Strong Buy" with a 12-month price target of $32.0.
Board strengthened with new directors effective November 2024; bank offers full range of loans including SBA, CalCAP, FSA and USDA guaranteed loans across four-state region.
Named Competitors
Community/Regional Banking — Technology-focused regional bank
Commercial Lending — Regional bank with SMB focus
Regional Banking — West Coast regional bank network
Recent Developments
(January 2026) Quarterly dividend increased 20% to $0.30 per share
(Q3 2025) Net income of $5.0 million with $2.6B total assets
(November 2024) Appointment of two new holding company directors (Amin, Guida) effective November 1
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