Baycom Corp (BCML) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the BCML SEC filings page.
Baycom Corp (BCML) reported $103.5M in revenue over the twelve months to Jun 30, 2026, up 5.3% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 10 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
BayCom’s bank model converts earnings into cash, but liability-heavy funding keeps asset returns modest.
In FY2025, operating cash flow of$31.8M exceeded net income of$23.9M , indicating healthy cash conversion. Free cash flow of$30.1M against capital expenditures of$1.7M shows that this cash generation was not being consumed by heavy reinvestment.
FY2025 liabilities were
Interest expense rose from
Financial Health Signals
Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Baycom Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Baycom Corp earned a return on assets of 0.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is unchanged from the prior year. Earnings ranks banks on that return over three years, and Baycom Corp scores 57/100 among other banks.
Baycom Corp reported revenue of $100.5M in fiscal year 2025, against $97.5M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and Baycom Corp scores 13/100 among other banks.
Baycom Corp funded 13.1% of its assets with shareholders' equity at the end of fiscal year 2025, holding $338.6M of equity against $2.6B of assets. Capital ranks banks on that cushion, and Baycom Corp scores 69/100 among other banks.
Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. Baycom Corp scores 50/100 on it among other banks.
Credit Quality measures the money a bank set aside for loans it expects to go bad, against the size of the loan book it set that money aside for. Baycom Corp scores 51/100 on it among other banks.
Baycom Corp reported net income of $23.9M in fiscal year 2025, against $23.6M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and Baycom Corp scores 91/100 among other banks.
Baycom Corp passes 6 of 6 computable financial strength tests (3 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 1 leverage/liquidity signals pass, both operating efficiency signals pass.
For every $1 of reported earnings, Baycom Corp generates $1.33 in operating cash flow ($31.8M OCF vs $23.9M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
Earnings & Revenue
Baycom Corp generated $25.2M in revenue in Q2 2026. This represents an increase of 2.2% from the same quarter a year earlier. Against the prior quarter it is down 5.7%.
Baycom Corp reported -$7.0M in net income in Q2 2026. This represents a decrease of 209.4% from the same quarter a year earlier. Against the prior quarter it is down 185.1%.
Baycom Corp earned -$0.64 per diluted share (EPS) in Q2 2026. This represents a decrease of 210.3% from the same quarter a year earlier. Against the prior quarter it is down 185.3%.
Not reported for Q2 2026.
Cash & Balance Sheet
Baycom Corp generated $4.5M in free cash flow in Q2 2026, representing cash available after capex. This represents a decrease of 19.5% from the same quarter a year earlier. Against the prior quarter it is down 32.4%.
Baycom Corp held $177.4M in cash as of Q2 2026; long-term debt is not reported for that period.
Baycom Corp paid $0.30 per share in dividends in Q2 2026. This represents an increase of 50.0% from the same quarter a year earlier. It is unchanged from the prior quarter.
Margins & Returns
Baycom Corp's net profit margin was -27.6% in Q2 2026, showing the share of revenue converted to profit. This is down 53.4 percentage points from the same quarter a year earlier. Against the prior quarter it is down 58.2 percentage points.
Baycom Corp's ROE was -2.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 4.0 percentage points from the same quarter a year earlier. Against the prior quarter it is down 4.5 percentage points.
Not reported for Q2 2026.
Not reported for Q2 2026.
Capital Allocation
Baycom Corp invested $605K in capex in Q2 2026, funding long-term assets and infrastructure. This represents a decrease of 19.2% from the same quarter a year earlier. Against the prior quarter it is up 100.3%.
Not reported for Q2 2026.
Not reported for Q2 2026.
BCML Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $25.2M+2.2% | $26.7M+10.0% | $25.9M+9.4% | $25.7M+0.2% | $24.7M+3.8% | $24.3M-0.6% | $23.7M-9.7% | $25.6M-3.2% |
| SG&A Expenses | $21.0M+116.4% | $10.8M+9.2% | $10.4M+7.6% | $10.2M+6.3% | $9.7M+0.9% | $9.9M-1.0% | $9.7M+8.1% | $9.6M-7.0% |
| Interest Expense | $8.5M-17.2% | $9.4M-4.2% | $9.3M-11.6% | $11.5M+9.3% | $10.3M+1.8% | $9.8M+4.6% | $10.6M+21.9% | $10.6M+31.7% |
| Income Tax | -$223K-109.5% | $2.7M+37.1% | $2.6M+32.9% | $1.7M-23.9% | $2.4M+17.9% | $2.0M-12.4% | $2.0M-18.2% | $2.3M-13.9% |
| Net Income | -$7.0M-209.4% | $8.2M+43.5% | $6.9M+12.1% | $5.0M-16.8% | $6.4M+13.6% | $5.7M-3.0% | $6.1M-4.3% | $6.0M-9.2% |
| EPS (Basic) | -$0.64-210.3% | $0.75+47.1% | $0.63+14.5% | $0.46-14.8% | $0.58+16.0% | $0.510.0% | $0.550.0% | $0.54-3.6% |
| EPS (Diluted) | -$0.64-210.3% | $0.75+47.1% | $0.63+14.5% | $0.46-14.8% | $0.58+16.0% | $0.510.0% | $0.550.0% | $0.54-3.6% |
| Diluted Shares (Avg) | 11M-0.9% | 11M-2.0% | N/A | 11M-2.0% | 11M-2.2% | 11M-3.4% | N/A | 11M-5.6% |
Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.
BCML Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $2.6B-1.6% | $2.6B+3.3% | $2.6B-2.7% | $2.6B+1.6% | $2.6B+1.1% | $2.6B+0.1% | $2.7B+4.4% | $2.6B-0.5% |
| Cash & Equivalents | $177.4M-39.2% | $305.9M+19.2% | $206.5M-43.3% | $228.4M-24.2% | $291.6M-25.5% | $256.5M-26.3% | $364.0M+18.4% | $301.3M-0.2% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% | $38.8M0.0% |
| Total Liabilities | $2.2B-2.1% | $2.3B+3.1% | $2.3B-3.6% | $2.3B+1.3% | $2.3B+0.6% | $2.2B-0.5% | $2.3B+4.5% | $2.2B-1.2% |
| Total Equity | $335.4M+1.5% | $344.0M+4.4% | $338.6M+4.4% | $334.3M+3.9% | $330.6M+4.9% | $329.3M+4.8% | $324.4M+3.7% | $321.7M+4.7% |
| Retained Earnings | $173.6M+0.3% | $183.8M+8.9% | $178.9M+8.5% | $175.3M+9.3% | $173.0M+11.3% | $168.9M+11.8% | $164.8M+12.7% | $160.4M+13.7% |
Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.
BCML Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $5.1M-19.4% | $7.0M-24.6% | $8.8M+10.6% | $7.3M-23.6% | $6.4M-17.0% | $9.3M+82.6% | $8.0M-5.0% | $9.6M+269.4% |
| Stock-Based Compensation | N/A | $188K+24.5% | N/A | N/A | N/A | $151K-5.6% | N/A | N/A |
| Capital Expenditures | $605K-19.2% | $302K+111.2% | -$262K+351.7% | $1.1M+337.6% | $749K+205.7% | $143K-87.5% | $58K-95.9% | $255K-52.1% |
| Free Cash Flow | $4.5M-19.5% | $6.7M-26.8% | $8.6M+8.1% | $6.2M-33.5% | $5.6M-24.3% | $9.1M+131.9% | $7.9M+13.5% | $9.4M+351.9% |
| Investing Cash Flow | -$59.9M-137.6% | $47.0M+646.0% | -$12.8M+70.1% | -$44.1M+24.9% | -$25.2M-400.4% | -$8.6M-127.8% | -$42.8M-255.7% | -$58.8M-238.4% |
| Financing Cash Flow | -$73.7M-236.7% | $45.4M+142.0% | -$18.0M-118.4% | -$26.4M+35.3% | $53.9M+101.1% | -$108.2M-2407.0% | $97.6M+422.0% | -$40.8M-712.0% |
| Dividends Paid | $3.3M | $3.3M+95.7% | $2.7M+4727.1% | $2.2M+96.3% | $0-100.0% | $1.7M+44.4% | -$59K-105.0% | $1.1M-6.3% |
| Share Buybacks | N/A | N/A | $813K+2291.2% | $909K-16.1% | $3.9M-6.1% | $1.3M-67.3% | $34K-98.6% | $1.1M-76.0% |
Not reported in any period shown, so not listed: Depreciation & Amortization.
BCML Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Net Margin | -27.6%-53.4pp | 30.6%+7.1pp | 26.5%+0.6pp | 19.5%-4.0pp | 25.8%+2.2pp | 23.4%-0.6pp | 25.9%+1.4pp | 23.5%-1.6pp |
| Return on Equity | -2.1%-4.0pp | 2.4%+0.7pp | 2.0%+0.1pp | 1.5%-0.4pp | 1.9%+0.2pp | 1.7%-0.1pp | 1.9%-0.2pp | 1.9%-0.3pp |
| Return on Assets | -0.3%-0.5pp | 0.3%+0.1pp | 0.3%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp | 0.2%0.0pp |
| Debt-to-Equity | 6.69-0.2x | 6.70-0.1x | 6.66-0.6x | 6.79-0.2x | 6.93-0.3x | 6.78-0.4x | 7.21+0.1x | 6.97-0.4x |
| Asset Turnover | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x | 0.010.0x |
| FCF Margin | 17.9%-4.8pp | 25.0%-12.6pp | 33.1%-0.4pp | 24.3%-12.3pp | 22.8%-8.4pp | 37.6%+21.5pp | 33.5%+6.9pp | 36.6%+28.7pp |
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| Baycom Corp BCML | FY2025 | $100.5M | $23.9M | 23.8% | $330.1M | 55/100 |
| Plumas PLBC | FY2025 | $98.3M | $29.6M | 30.1% | $431.1M | 62/100 |
| Pcb Bancorp PCB | FY2025 | $115.7M | $37.5M | 32.4% | $389.6M | 54/100 |
| Orange Cnty Bancorp Inc OBT | FY2025 | $127.2M | $41.6M | 32.7% | $508.2M | 57/100 |
| Bankwell Financi BWFG | FY2025 | $108.3M | $35.2M | 32.5% | $531.8M | 37/100 |
| Fs Bancorp Inc FSBW | FY2025 | $152.7M | $33.3M | 21.8% | $342.0M | 48/100 |
Where Baycom Corp Ranks
Frequently Asked Questions
What is Baycom Corp's annual revenue?
Baycom Corp (BCML) reported $100.5M in total revenue for fiscal year 2025. This represents a 3.1% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Baycom Corp's revenue growing?
Baycom Corp (BCML) revenue grew by 3.1% year-over-year, from $97.5M to $100.5M in fiscal year 2025.
Is Baycom Corp profitable?
Yes, Baycom Corp (BCML) reported a net income of $23.9M in fiscal year 2025, with a net profit margin of 23.8%.
What is Baycom Corp's net profit margin?
Baycom Corp (BCML) had a net profit margin of 23.8% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
Does Baycom Corp pay dividends?
Yes, Baycom Corp (BCML) paid $0.90 per share in dividends during fiscal year 2025.
What is Baycom Corp's return on equity (ROE)?
Baycom Corp (BCML) has a return on equity of 7.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Baycom Corp's free cash flow?
Baycom Corp (BCML) generated $30.1M in free cash flow during fiscal year 2025. This represents a 5.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Baycom Corp's operating cash flow?
Baycom Corp (BCML) generated $31.8M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Baycom Corp's total assets?
Baycom Corp (BCML) had $2.6B in total assets as of fiscal year 2025, including both current and long-term assets.
What are Baycom Corp's capital expenditures?
Baycom Corp (BCML) invested $1.7M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Baycom Corp's debt-to-equity ratio?
Baycom Corp (BCML) had a debt-to-equity ratio of 6.66 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Baycom Corp's return on assets (ROA)?
Baycom Corp (BCML) had a return on assets of 0.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Baycom Corp's P/E ratio?
Baycom Corp (BCML) trades at 25.2x earnings, its market capitalization divided by net income of $13.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $330.1M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Baycom Corp's price-to-sales ratio?
Baycom Corp (BCML) trades at 3.2x sales, its market capitalization divided by revenue of $103.5M revenue, trailing 12 months to June 30, 2026. The market capitalization is $330.1M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Baycom Corp's Piotroski F-Score?
Baycom Corp (BCML) has a Piotroski F-Score of 6 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Baycom Corp's earnings high quality?
Baycom Corp (BCML) has an earnings quality ratio of 1.33x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Baycom Corp?
Baycom Corp (BCML) scores 55 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.