BayCom (BayCom) Debt-to-Equity : 0.28 (As of Dec. 2023)

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What is BayCom Debt-to-Equity?

BayCom's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $0.0 Mil. BayCom's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2023 was $87.2 Mil. BayCom's Total Stockholders Equity for the quarter that ended in Dec. 2023 was $312.9 Mil. BayCom's debt to equity for the quarter that ended in Dec. 2023 was 0.28.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for BayCom's Debt-to-Equity or its related term are showing as below:

BCML' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.04 Med: 0.19 Max: 0.35
Current: 0.28

During the past 13 years, the highest Debt-to-Equity Ratio of BayCom was 0.35. The lowest was 0.04. And the median was 0.19.

BCML's Debt-to-Equity is ranked better than
75.43% of 1392 companies
in the Banks industry
Industry Median: 0.665 vs BCML: 0.28

BayCom Debt-to-Equity Historical Data

The historical data trend for BayCom's Debt-to-Equity 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.

* Premium members only.

BayCom Debt-to-Equity Chart

BayCom Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Debt-to-Equity

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0.09

0.35

0.32

0.28

BayCom Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Debt-to-Equity	Get a 7-Day Free Trial															0.28	0.29	0.29	0.28	0.28

Competitive Comparison of BayCom's Debt-to-Equity

For the Banks - Regional subindustry, BayCom's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity 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's Debt-to-Equity Distribution in the Banks Industry

For the Banks industry and Financial Services sector, BayCom's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where BayCom's Debt-to-Equity falls into.

BayCom Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

BayCom's Debt to Equity Ratio for the fiscal year that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	87.198)	/	312.869
	=	0.28

BayCom's Debt to Equity Ratio for the quarter that ended in Dec. 2023 is calculated as

Debt to Equity	=	Total Debt			/	Total Stockholders Equity
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	Total Stockholders Equity
	=	(0	+	87.198)	/	312.869
	=	0.28

BayCom (NAS:BCML) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

BayCom Debt-to-Equity Related Terms

Thank you for viewing the detailed overview of BayCom's Debt-to-Equity provided by GuruFocus.com. Please click on the following links to see related term pages.

BayCom (BayCom) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » BayCom Corp (NAS:BCML) » Definitions » Debt-to-Equity

Comparable Companies

Traded in Other Exchanges

N/A

Address

500 Ygnacio Valley Road, Suite 200, Walnut Creek, CA, USA, 94596

Website

https://www.unitedbusinessbank.com

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.

Executives

Robert G. Laverne	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
George J. Guarini	director, officer: President and CEO	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Kendall Lloyd W. Jr.	director, other: Chairman of the Board	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Janet Lee King	officer: Senior EVP and COO	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Malcolm Flemming Hotchkiss	director	100 HEGENBERGER ROAD, OAKLAND CA 94621
Syvia L. Magid	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY RD., SUITE 200, WALNUT CREEK CA 94596
Rick Pak	officer: EVP and Chief Lending Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY RD., SUITE 200, WALNUT CREEK CA 94596
Harpreet S. Chaudhary	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
David M. Spatz	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
James S. Camp	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Jon Rocco Davis	director	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Keary L. Colwell	officer: Senior EVP, CFO and Secretary	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
David John Funkhouser	officer: EVP and Chief Credit Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Izabella Lin Zhu	officer: EVP and Chief Risk Officer	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596
Mary Therese Curley	officer: EVP, Director Labor Service	C/O BAYCOM CORP, 500 YGNACIO VALLEY ROAD, SUITE 200, WALNUT CREEK CA 94596