Baycom's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Baycom (BCML) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Baycom vs Its Competitors
- TTM: Trailing 12-month revenue of 96M vs 243M combined for its competitors (28.2% combined share).
- Trending: Latest-quarter revenue run-rate is decelerating (-16.5% annualized vs trailing 12 months), vs holding steady (+0.6%) for its tracked peer group.
- Growth: Baycom generated -18.4% revenue growth year over year in Q2 2026, vs 7.1% for its competitors combined.
- Profitability: Its -34.9% net margin compares with 34.6% for the peer group.
- Scale: Baycom ranks #138 of 218 companies by market capitalization in the Regional Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Baycom accounted for 24.6% of combined revenue among its tracked peer group, down from 30.0% a year earlier.
- Peer differentiation: Revenue per employee of $0.29M compares with $0.00M for the peer group (66.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
BCML Sales vs. its Competitors, Q2 2026
Baycom reported revenue contraction of 18.38 % year on year in Q2 2026, below its competitors' combined revenue growth of 7.05 %.
With a net margin of -34.86 %, Baycom reported lower profitability than its competitors (34.61 %).
Baycom generated 24.60 % of the combined sales of its peer group, down from 29.97 % a year earlier.
API endpoints for this dataset
Baycom vs. its Competitors, Q2 2026
Revenue growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in Baycom reports; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Baycom and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Baycom Corp | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Baycom's competitor groups requires a Commercial License.
For context: the Regional Banks industry grew revenue 6.8% year over year, combined, vs -18.4% for Baycom. Baycom's share of combined industry revenue moved from 0.02% to 0.01%, a gain of 0.00 percentage points.
Baycom's Competitor Quality Breadth
Group definitions: see Methodology: Performance Group Definitions.
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Baycom Corp | Yes | No | No | No |
| Competitors combined (2) | ||||
| Similar-Size Competitors (10) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BCML Stock Performance relative to its Competitors
BCML Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Financial Institutions Inc | 282.9% | Outperformed |
| 2 | Bank Bradesco | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Baycom's best-performing competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Baycom's Comment on Competition and Industry Peers
Publicly Traded Peers of Baycom Corp
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
 Baycom Corp |
339.93 | 95.71 |
 Bank Bradesco |
13,455.15 | 118.96 |
 Financial Institutions Inc |
792.26 | 243.46 |
| SUBTOTAL | 14,587.34 | 458.13 |
Sources: see Methodology: Peer & Competitor Identification, Sourcing.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Baycom Corp versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Baycom's Competitors Named by the Company
Competitive relationships identified from Baycom reports and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Financial Institutions Inc | Company report | 85% |
| Bank Bradesco | Company report | 85% |
| Mechanics Bancorp | Company report | 85% |
| Avidbank Holdings Inc | Company report | 85% |
| Bank Of Marin Bancorp | Company report | 85% |
| Oak Valley Bancorp | Company report | 85% |
| California Bancorp | Company report | 85% |
| River Financial Corporation | Company report | 85% |
| Cvb Financial Corp | Company report | 85% |
| Wintrust Financial Corp | Company report | 85% |
| First Business Financial Services Inc | Company report | 85% |
| Five Star Bancorp | Company report | 85% |
| Luther Burbank Corp | Company report | 85% |
| Banner Corporation | Company report | 85% |
| New Peoples Bankshares Inc | Company report | 85% |
| Byline Bancorp Inc | Company report | 85% |
| Pacific Premier Bancorp Inc | Company report | 85% |
| Cnb Corp | Company report | 85% |
| Tri City Bankshares Corp | Company report | 85% |
| East West Bancorp inc | Company report | 85% |
| 1st Century Bancshares, Inc. | Company report | 85% |
| Heartland Financial Usa Inc | Company report | 85% |
| First Western Financial Inc | Company report | 85% |
| American River Bankshares | Company report | 85% |
| Bank Of Commerce Holdings | Company report | 85% |
| Pcb Bancorp | Company report | 85% |
| Cathay General Bancorp | Company report | 85% |
| Svb Financial Group | Company report | 85% |
| Community West Bancshares | Company report | 85% |
| Fcb Financial Holdings, Inc. | Company report | 85% |
| Heritage Oaks Bancorp | Company report | 85% |
| Marathon Bancorp inc | Company report | 85% |
| 1895 Bancorp Of Wisconsin Inc | Company report | 85% |
| Op Bancorp | Company report | 85% |
| Baylake Corp | Company report | 85% |
| Rbb Bancorp | Company report | 85% |
| Cu Bancorp | Company report | 85% |
| Western Alliance Bancorporation | Company report | 85% |
| Ewsb Bancorp inc | Company report | 85% |
| First Foundation inc | Company report | 85% |
| County Bancorp Inc | Company report | 85% |
| Northern California Bancorp Inc | Company report | 85% |
| Associated Banc corp | Company report | 85% |
| Sierra Bancorp | Company report | 85% |
| Pacific Capital Bancorp | Company report | 85% |
| Choice Bancorp, Inc. | Company report | 85% |
| Trico Bancshares | Company report | 85% |
| Denmark Bancshares Inc | Company report | 85% |
| First Choice Bancorp | Company report | 85% |
| Heritage Commerce Corp | Company report | 85% |
Company report basis, confidence, active dates and source counts for Baycom's named competitors require a Commercial License.
Methodology: see Methodology: Peer & Competitor Identification, Sourcing.
Baycom's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Baycom Corp | 340 | 292,685 | 40,009 |
| Bank Bradesco | 13,455 | 1,449 | 52,215 |
| Financial Institutions Inc | 792 | 385,837 | 130,945 |
| PEERS TOTAL | 14,247 | 4,381 | 52,815 |
Baycom's Position in Industry Market Structure
Market-capitalization share and concentration across all 198 companies in Baycom's industry classification, broader than the peer set above. Market cap in millions of $.Baycom ranks #138 of 198 companies by market capitalization in its industry, holding 0.05 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 516, indicating a unconcentrated market structure (see Methodology: Market Structure & Concentration).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Bank Of Nova Scotia | 113,512 | 15.05 % |
| 2 | Deutsche Bank Aktiengesellschaft | 69,917 | 9.27 % |
| 3 | Fifth Third Bancorp | 48,582 | 6.44 % |
| 4 | State Street Corp | 46,533 | 6.17 % |
| 5 | Ita Unibanco Holding S a | 1,234 | 5.2% |
| 6 | M and t Bank Corporation | 1,234 | 5.2% |
| 7 | Northern Trust Corporation | 1,234 | 5.2% |
| 8 | Citizens Financial Group Inc | 1,234 | 5.2% |
| 9 | First Citizens Bancshares Inc | 1,234 | 5.2% |
| 10 | East West Bancorp inc | 1,234 | 5.2% |
| 138 | Baycom Corp | 340 | 0.05 % |
Market cap and industry share for the rest of Baycom's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-11-06.
Baycom's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 133 | Primis Financial Corp | 359 | 32.07 % |
| 134 | Blue Ridge Bankshares Inc | 353 | -14.61 % |
| 135 | Coastalsouth Bancshares Inc | 350 | 30.99 % |
| 136 | C and F Financial Corporation | 342 | 53.51 % |
| 137 | Mvb Financial Corp | 1,234 | 12.3% |
| 138 | Baycom Corp | 340 | 9.47 % |
| 139 | Mechanics Bancorp | 1,234 | 12.3% |
| 140 | Fs Bancorp Inc | 1,234 | 12.3% |
| 141 | John Marshall Bancorp inc | 1,234 | 12.3% |
| 142 | First Community Corporation | 1,234 | 12.3% |
| 143 | Franklin Financial Services Corporation | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Baycom's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-11-06. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Baycom's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Regional Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (2 companies). See the full Regional Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 56.54 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 53.38 % | 50.49 % (avg) | +2.9 pp |
| Capital Intensity (Capex / Revenue) | 1.84 % | 1.38 % (avg) | +0.5 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Baycom's Valuation vs Competitive Position
Valuation multiples vs the Regional Banks industry average (2 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Regional Banks industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | 25.7x | - | - |
| EV / EBITDA | 2.3x | - | - |
| P/B | 1.0x | - | - |
| Return on Equity | 3.87 % | industry aggregate | -7.01 % |
| Return on Invested Capital | - | 4.16 % (avg) | - |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Baycom's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in company reports.| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Revenue Growth | 31.49 % | 2.12 % | 8.94 % | 14.46 % | 5.55 % | -4.70 % | 0.23 % |
| Operating Margin | 31.52 % | 23.75 % | 34.06 % | 29.71 % | - | - | - |
| Return on Invested Capital | 5.19 % | 3.08 % | 4.75 % | 0.97 % | 1.50 % | 1.10 % | 4.44 % |
| P/E | 15.1x | 12.8x | 10.0x | 13.0x | 9.3x | 12.6x | 13.3x |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Baycom's BCG Growth-Share Matrix
See Methodology: BCG Growth-Share Matrix for how relative share and growth are calculated and thresholded.
Baycom falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 11.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Baycom's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 516 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 1.84 % vs industry average 1.38 % (see Profitability & Cost Structure above) |
Note: see Methodology: Porter's Five Forces. Supplier power and buyer power are covered on Baycom's dedicated Suppliers and Customers pages, not here.
Baycom's Industry Attractiveness & Competitive Strength
See Methodology: GE/McKinsey Matrix for how the two axes are built.
Baycom falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Baycom's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Outperforming the U.S.A. 500 over the trailing 12 months.
Weaknesses
- Return on equity 7.0 points below the industry aggregate.
- Latest-quarter revenue run-rate is decelerating (-16.5% annualized vs trailing 12 months).
- Low relative market share vs the industry leader (0.00x).
Opportunities
- Industry revenue growing at a healthy 11.8% median pace.
- A meaningful share of competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: see Methodology: SWOT Analysis.
Baycom's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Baycom Corp | 0.10 | 0.13 | 0.04 |
| Bank Bradesco | 90.31 | 6.18 | - |
| Financial Institutions Inc | 0.01 | 1.33 | 0.37 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Baycom's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Baycom Corp | Q2 2026 | -18.4 % | - |
| Bank Bradesco | Q4 2025 | -71.8 % | +31.1 % |
| Financial Institutions Inc | Q2 2026 | +7.0 % | +20.8 % |
| PEERS TOTAL | -60.2 % | +30.5 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Baycom's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Baycom Corp | Q2 2026 | +2,481.8 % | -19.2 % |
| Bank Bradesco | Q4 2025 | -9.8 % | +110.2 % |
| Financial Institutions Inc | Q2 2026 | +21.3 % | -46.9 % |
Baycom's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Baycom Corp | 0.50% | 1.41% | 3.87% |
| Bank Bradesco | 1.01% | 0.97% | 13.12% |
| Financial Institutions Inc | 1.31% | 3.75% | 13.09% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Baycom's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Baycom Corp | 26.18 | 3.55 |
| Bank Bradesco | 0.57 | 113.11 |
| Financial Institutions Inc | 9.83 | 3.25 |
| PEERS AVERAGE | 3.33 | 31.84 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.