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BCML

BayCom Corp

BCML

BayCom Corp • NASDAQ
$29.18 ▼ -1.22% (-0.36)
Market Cap $318.00 M
52w High $30.96
52w Low $22.22
Dividend Yield 0.90%
P/E 13.9
Volume 10.78K
Outstanding Shares 10.90M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $37.543M ▲ $16.291M ▲ $5.007M ▼ 13.337% ▼ $0.46 ▼ $8.474M ▼
Q2-2025 $34.966M ▲ $15.754M ▼ $6.364M ▲ 18.201% ▲ $0.58 ▲ $9.455M ▲
Q1-2025 $34.098M ▼ $16.001M ▲ $5.702M ▼ 16.722% ▼ $0.51 ▼ $8.422M ▼
Q4-2024 $34.126M ▼ $15.881M ▼ $6.12M ▲ 17.934% ▲ $0.55 ▲ $8.902M ▼
Q3-2024 $36.043M $15.946M $6.017M 16.694% $0.54 $9.124M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $23.789M ▼ $2.604B ▼ $2.27B ▼ $334.269M ▲
Q2-2025 $206.446M ▲ $2.622B ▲ $2.292B ▲ $330.562M ▲
Q1-2025 $23.08M ▼ $2.564B ▼ $2.234B ▼ $329.337M ▲
Q4-2024 $25.38M ▼ $2.665B ▲ $2.34B ▲ $324.366M ▲
Q3-2024 $219.926M $2.562B $2.241B $321.681M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $-5.593M ▼ $7.345M ▲ $-44.146M ▼ $-26.377M ▼ $-63.178M ▼ $6.229M ▲
Q2-2025 $6.364M ▲ $6.368M ▼ $-25.216M ▼ $53.923M ▲ $35.075M ▲ $5.619M ▼
Q1-2025 $5.702M ▼ $9.28M ▲ $-8.609M ▲ $-108.154M ▼ $-107.483M ▼ $9.137M ▲
Q4-2024 $6.12M ▲ $7.988M ▼ $-42.833M ▲ $97.593M ▲ $62.748M ▲ $7.93M ▼
Q3-2024 $6.017M $9.618M $-58.768M $-40.774M $-89.924M $9.363M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Service charges and other fees
Service charges and other fees
 $0 ▲$0 ▲$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement BayCom’s income statement shows a solid, relationship‑bank style pattern: revenue has grown steadily over the past several years, and core margins look healthy. Profitability, however, appears to have peaked recently and then eased a bit. Earnings per share are still comfortably above pre‑pandemic levels, but slightly below the recent high, suggesting that higher costs, credit provisions, or margin pressure have started to bite. Overall, the bank looks profitable and relatively consistent, but not in a straight‑line “up only” trajectory—recent results hint at a more challenging operating environment for regional banks, even as the franchise continues to grow.

Balance Sheet

Balance Sheet The balance sheet looks like that of a measured, moderately growing community bank. Total assets have expanded gradually, indicating successful loan and acquisition growth rather than rapid, aggressive expansion. Equity has also trended upward, implying that the bank is building capital as it grows, a constructive sign for resilience. Debt levels have remained fairly stable and modest relative to the balance sheet size, which points to a conservative funding structure. Cash balances are small but typical for a lending‑focused bank that relies primarily on deposits and securities for liquidity. Overall, the balance sheet reads as steady and conservatively managed rather than stretched.

Cash Flow

Cash Flow Cash flow appears consistent and reassuring. The bank has generated positive operating cash flow every year, with stronger figures in recent years compared with the early part of the period. Free cash flow essentially matches operating cash flow, because capital spending is very light; this is normal for a service‑oriented financial institution that doesn’t depend on heavy physical investment. This pattern suggests that the business model converts earnings into cash reasonably well, and that management has flexibility to support dividends, growth initiatives, or capital build‑up without straining the underlying cash engine, assuming credit quality remains solid.

Competitive Edge

Competitive Edge BayCom sits in the classic community and regional banking niche, leaning heavily on close relationships, local decision‑making, and personalized service rather than sheer scale or cutting‑edge tech. Its strategy of acquiring smaller community banks has allowed it to expand across several Western states, broadening its customer base and improving efficiency while maintaining a local feel. The loan book is diversified, with a strong emphasis on commercial real estate and specialized government‑backed lending, which can help spread risk but also exposes the bank to cyclical property and small‑business conditions. BayCom’s focus on specific client groups—small and mid‑sized businesses, non‑profits, and labor unions—gives it a clear identity, but also means it competes directly with both other community banks and larger regional players targeting the same niches. Overall, its competitive strength lies in execution of its relationship model and acquisitions, not in raw size.

Innovation and R&D

Innovation and R&D This is not a “fintech disruptor,” but it is a bank that uses established technology in a practical, client‑focused way. BayCom offers a full digital banking suite—online and mobile access, remote deposits, and digital payments—plus more advanced treasury and cash‑management tools for business clients. The emphasis is on service innovation: tailored commercial lending, streamlined loan programs for small businesses, and specialized offerings for non‑profits and unions. Technology investments appear aimed at enhancing this high‑touch model rather than trying to outspend large national banks on proprietary platforms. The risk is that tech‑first competitors may move faster on digital features, but BayCom’s edge is in blending adequate digital capabilities with strong human relationships and local responsiveness.

Summary

Putting it all together, BayCom looks like a steadily grown, conservatively run community and regional bank with a clear playbook: expand its footprint through acquisitions, deepen local relationships, and support small and mid‑sized businesses with specialized lending and treasury services. Financially, revenue and scale have moved upward over time, while profitability has been solid but recently under some pressure, mirroring broader headwinds for regional banks. The balance sheet and cash flows suggest prudent risk‑taking and decent financial flexibility, though the usual uncertainties around credit quality, interest‑rate swings, and commercial real‑estate exposure remain important watchpoints. Strategically, BayCom’s success will likely hinge on maintaining credit discipline, integrating acquisitions smoothly, and keeping its digital and service offerings good enough that customers continue to value the blend of personal touch and modern convenience.

NEWS

November 20, 2025 · 4:30 PM UTC

Baycom Corp Increases Quarterly Cash Dividend 20% to $0.30 Per Share

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October 23, 2025 · 4:30 PM UTC

BayCom Corp Reports 2025 Third Quarter Earnings of $5.0 Million

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