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BayCom (BCML) guidance and outlook

BayCom's 10-Q filed Nov 9, 2026 makes 11 forward-looking statements.

Guidance and outlook

Forward-looking statements, 10-Q filed Nov 9, 2026

• We continue to evaluate acquisition opportunities, and we expect acquisitions to remain part of our long-term growth strategy, although there can be no assurance that we will complete any future acquisitions.
• This assessment also includes a determination of whether the Company intends to sell the security, or if it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit losses.
• The Company’s purchase of loans was to supplement lower organic origination volume in the first half of 2026, with new loan originations increasing during the third quarter, with minimal additional loan purchases anticipated in 2026.
• The allowance for credit losses reflects management’s estimate of expected credit losses over the contractual term of the loan portfolio, adjusted for expected prepayments.
• Management currently believes that the allowance for credit losses at September 30, 2026 is adequate to cover expected credit losses in the Company’s loan portfolio.
• Management considers the allowance for credit losses for loans at September 30, 2026 to be adequate to cover expected credit losses in the loan portfolio based on the assessment of current portfolio performance, historical loss experience, and relevant qualitative and quantitative factors, including current economic conditions and reasonable and supportable forecasts.
• While management believes the estimates and assumptions used in determining the adequacy of the allowance are reasonable, actual credit losses may differ from those expected.
• Planning for our normal business liquidity needs, both expected and unexpected, is conducted on a daily and short-term basis through the cash management function.
• Based on this management strategy, we believe that most of our maturing certificates of deposit will remain with us.
• Subject to market conditions, we expect to utilize these borrowing facilities from time to time in the future to fund loan originations and deposit withdrawals, to satisfy other financial commitments, to repay maturing debt and to take advantage of investment opportunities to the extent feasible.
• The Company expects to continue to pay quarterly cash dividends

BayCom's latest quarter

Questions

What does BayCom expect?

We continue to evaluate acquisition opportunities, and we expect acquisitions to remain part of our long-term growth strategy, although there can be no assurance that we will complete any future acquisitions. This assessment also includes a determination of whether the Company intends to sell the security, or if it is more likely than not that the Company will be required to sell the security before recovery of its amortized cost basis less any current-period credit losses. The Company’s purchase of loans was to supplement lower organic origination volume in the first half of 2026, with new lo

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Updated Nov 9, 2026. Read automatically from SEC filings and public data; errors are possible. Not investment advice.