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Financials · BCML

BayCom Corp (BCML) financials

For the twelve months ended Jun 30, 2026, BayCom Corp reported $103.50M of revenue and $13.08M of net income.

Revenue, TTM
$103.50M
Revenue growth, YoY
+5.3%
Net income, TTM
$13.08M
Net income growth, YoY
-45.9%
Net margin
12.6%
Free cash flow, TTM
$26.02M
EPS, diluted, TTM
$1.20
EPS growth, YoY
-45.0%
Cash
$177.38M
P/E
26.01
P/S
3.29
Market cap
$340.3M
Annual revenue$100.54M
FY2016FY2025
Annual net income$23.93M
FY2016FY2025
Annual free cash flow$30.09M
FY2019FY2025

BCML revenue and earnings growth

BCML revenueQ2 2026$25.21M

Quarter YoY
+2.2%
QoQ
-5.7%
FY YoY
+3.1%
5Y CAGR
+2.9%

BCML revenue was $25.21M in fiscal Q2 2026 (ended Jun 30, 2026), up 2.2% from a year earlier and down 5.7% from the prior quarter. For the full fiscal 2025 it was $100.54M, up 3.1% from fiscal 2024. Compound annual growth was +2.9% over 5 years. It rose in 7 of the last 9 fiscal years.

BCML net incomeQ2 2026-$6.96M

FY YoY
+1.3%
5Y CAGR
+11.8%

BCML net income was -$6.96M in fiscal Q2 2026 (ended Jun 30, 2026), compared with $6.36M a year earlier. For the full fiscal 2025 it was $23.93M, up 1.3% from fiscal 2024. Compound annual growth was +11.8% over 5 years. It rose in 6 of the last 9 fiscal years.

BCML EPSQ2 2026-$0.64

FY YoY
+3.8%
5Y CAGR
+13.6%

BCML diluted EPS was -$0.64 in fiscal Q2 2026 (ended Jun 30, 2026), compared with $0.58 a year earlier. For the full fiscal 2025 it was $2.18, up 3.8% from fiscal 2024. Compound annual growth was +13.6% over 5 years.

BCML free cash flowQ2 2026$4.53M

Quarter YoY
-19.5%
QoQ
-32.4%
FY YoY
+5.0%
5Y CAGR
+34.7%

BCML free cash flow was $4.53M in fiscal Q2 2026 (ended Jun 30, 2026), down 19.5% from a year earlier and down 32.4% from the prior quarter. For the full fiscal 2025 it was $30.09M, up 5.0% from fiscal 2024. Compound annual growth was +34.7% over 5 years. It rose in 4 of the last 6 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$100.54M$97.52M$104.85M$102.81M$84.08M$87.07M$77.38M$59.00M$44.73M$27.91M
Interest expense-$40.57M$28.46M$10.35M$8.80M$8.90M$8.73M$4.94M$4.31M$3.07M
Pre-tax income$32.62M$32.12M$38.16M$32.44M$28.48M$18.23M$23.69M$20.49M--
Income tax$8.69M$8.51M$10.73M$8.71M$7.79M$4.50M$6.37M$6.00M$8.89M$4.44M
Net income$23.93M$23.61M$27.43M$23.73M$20.69M$13.73M$17.32M$14.49M$5.26M$5.91M
EPS, basic$2.18$2.10$2.27$1.81$1.90$1.15$1.47$1.50$0.81$1.10
EPS, diluted$2.18$2.10$2.27$1.81$1.90$1.15$1.47$1.50$0.81$1.09
Diluted shares11.0M11.3M12.1M13.1M10.9M12.0M11.8M9.7M6.5M5.4M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$206.51M$364.03M$307.54M$176.81M$379.69M$299.33M$295.38M$323.58M$249.85M$128.68M
Goodwill$38.84M$38.84M$38.84M$38.84M$38.84M$38.84M$35.47M$14.59M$14.59M$0
Total assets$2.59B$2.66B$2.55B$2.51B$2.35B$2.20B$1.99B$1.48B$1.25B-
Total debt-------$0$6.00M-
Total liabilities$2.26B$2.34B$2.24B$2.20B$2.09B$1.94B$1.74B$1.28B$1.13B-
Shareholders' equity$338.55M$324.37M$312.87M$317.15M$262.61M$252.59M$254.22M$200.75M$118.64M$78.06M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$31.83M$30.36M$30.80M$39.61M$10.43M$10.00M$6.96M$6.24M$9.33M$6.32M
Capital expenditures$1.75M$1.70M$2.12M$843.0K$1.31M$3.21M$1.40M---
Free cash flow$30.09M$28.66M$28.68M$38.77M$9.12M$6.78M$5.56M---
Investing cash flow-$90.79M-$62.19M$80.40M$53.94M-$60.36M-$73.66M$927.0K-$11.25M$90.41M-$32.73M
Financing cash flow-$98.56M$88.32M$19.52M-$296.42M$130.29M$67.61M-$36.08M$78.74M$21.43M$46.92M
Dividends paid$6.60M$3.38M$3.64M$2.02M-$0$0$0--
Share repurchases$6.91M$9.25M$24.11M$17.96M$11.55M$18.26M$10.96M$0$24.0K$901.0K
Stock-based compensation$653.0K$588.0K$726.0K$1.02M$1.41M$1.46M$1.15M$1.18M$423.0K$334.0K
Depreciation and amortization------$1.20M$935.0K$762.0K$498.00M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.1%-7.0%2.0%22.3%-3.4%12.5%31.2%31.9%60.3%-
Net income growth, YoY1.3%-13.9%15.6%14.7%50.7%-20.7%19.5%175.5%-11.0%-
EPS growth, YoY3.8%-7.5%25.4%-4.7%65.2%-21.8%-2.0%--25.7%-
Net margin23.8%24.2%26.2%23.1%24.6%15.8%22.4%24.6%11.8%21.2%
Free cash flow margin29.9%29.4%27.4%37.7%10.8%7.8%7.2%---
Return on equity7.1%7.3%8.8%7.5%7.9%5.4%6.8%7.2%4.4%7.6%
Return on assets0.9%0.9%1.1%0.9%0.9%0.6%0.9%1.0%0.4%-
Debt to equity-------0.000.05-

Source: XBRL data BayCom Corp files with the SEC, latest filing dated Aug 10, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

BCML peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BCML$103.50M+5.3%$13.08M12.6%$340.3M
JPM$203.15B+13.2%$65.98B32.5%$888.26B
BAC$120.16B+5.4%$32.24B26.8%$340.97B
WFC$87.23B+5.4%$22.97B26.3%$251.98B
C$85.22B+5.6%$14.31B16.8%$199.70B
UBS$49.57B+2.0%$7.80B15.7%$148.27B
COF$63.01B+31.2%$10.87B17.2%$121.43B
MFG¥8.79T+7.6%¥1.16T13.2%$116.96B
BNSC$37.74B+12.1%C$7.79B20.6%$112.48B

BCML FAQ

8 questions
  • What is BCML revenue?
    BayCom Corp (BCML) reported $103.50M of revenue for the twelve months ended Jun 30, 2026. That is up 5.3% from the year before. Revenue for fiscal 2025 was $100.54M.
  • Is BCML profitable?
    Yes. BayCom Corp earned $13.08M in net income for the twelve months ended Jun 30, 2026, a net margin of 12.6%.
  • How much cash and debt does BCML have?
    BayCom Corp reported $177.38M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BCML revenue growing?
    BayCom Corp's revenue changed +3.1% in fiscal 2025, to $100.54M. Its compound annual growth rate was +2.9% over 5 years.
  • What is BCML free cash flow?
    BayCom Corp generated $26.02M of free cash flow for the twelve months ended Jun 30, 2026, which is operating cash flow of $28.31M less capital expenditures.
  • What is BCML earnings per share?
    Diluted earnings per share were $1.20 for the twelve months ended Jun 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did BCML last report financial results?
    The latest statements here come from BayCom Corp's 10-Q filed on Aug 10, 2026, covering the period ended Jun 30, 2026.
  • Where does this BCML financial data come from?
    Quantisnow builds these statements from the structured XBRL data BayCom Corp files with the SEC. It is provided for information only and is not investment advice.