BayCom Corp
BCML Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$30.45
KIRA · Stoqly’s AI analyst, in plain words
- BayCom Corp had $101M of revenue in fiscal 2025, up 3.1% on the year before. Over five years, revenue changed +2.9% a year on average.
- BayCom Corp made $23.9M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.0% a year.
- BayCom Corp returned $13.5M to shareholders in fiscal 2025, 45% of free cash flow. The diluted share count fell 2.4%.
- It earned 7.2% on shareholders’ money. Running costs took 63.5% of revenue (the efficiency ratio; lower is better).
Market cap
$332M
P/E
25.4x
Revenue
$101M
Net income
$23.9M
Return on equity
7.2%
Efficiency ratio
63.5%
BayCom Corp in 30 seconds · fiscal 2025
Are sales growing?
+3.1%
Only a little. Sales grew 3.1% last year.
Does it make a profit?
23.8%
Yes. It keeps 23.8% of every sale as profit.
How lean are its costs?
63.5%
Average. Running costs take 63.5% of revenue.
How much does it earn on its capital?
7.2%
Low. It earns 7.2% a year on shareholders’ money.
How is the share priced?
25.4x
One share costs 25.4 times its yearly profit per share.
What BayCom Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 16, 2026
- Legal name
- BayCom Corp
- CIK
- 0001730984
BayCom Corp · BCML
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $84.1M | $103M | $105M | $97.5M | $101M |
| Revenue growth | −3.4% | 22.3% | 2.0% | −7.0% | 3.1% |
| Net interest income | $72.8M | $96.7M | $97.9M | $91.1M | $94.5M |
| Net income | $20.7M | $23.7M | $27.4M | $23.6M | $23.9M |
| Net margin | 24.6% | 23.1% | 26.2% | 24.2% | 23.8% |
| Diluted EPS | $1.90 | $1.81 | $2.27 | $2.10 | $2.18 |
| Cash | |||||
| Cash from operations | $10.4M | $39.6M | $30.8M | $30.4M | $31.8M |
| Capital expenditure | $1.3M | $0.8M | $2.1M | $1.7M | $1.7M |
| Free cash flow | $9.1M | $38.8M | $28.7M | $28.7M | $30.1M |
| FCF margin | 10.8% | 37.7% | 27.4% | 29.4% | 29.9% |
| Dividends paid | — | $2.0M | $3.6M | $3.4M | $6.6M |
| Share buybacks | $11.6M | $18.0M | $24.1M | $9.2M | $6.9M |
| Share count change | −9.1% | 20.6% | −8.0% | −6.7% | −2.4% |
| Debt and strength | |||||
| Cash and short-term investments | $380M | $177M | $308M | $364M | $207M |
| Loans, net | $1.6B | $2.0B | $1.9B | $1.9B | $2.0B |
| Deposits | $2.0B | $2.1B | $2.1B | $2.2B | $2.2B |
| Shareholders' equity | $263M | $317M | $313M | $324M | $339M |
| Returns and quality | |||||
| Return on equity | 8.0% | 8.2% | 8.7% | 7.4% | 7.2% |
| Return on tangible equity | 9.5% | 8.7% | 10.2% | 8.3% | 8.0% |
| Efficiency ratio | 65.6% | 64.1% | 61.7% | 65.8% | 63.5% |
Insiders bought, 12 months
$1.6M
4 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
BayCom Corp · BCML
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $30.45 a share, the company is worth $332M: 25.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001730984). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.