NASDAQ : BCML
BayCom Corp — Financial statements
Financials · Banks - Regional · United States
Last price 30.82 USD (Oct 29, 2026, 4:00 PM EDT) · Market cap 334.29M
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Financial statements
Income statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Interest Income on Loans | 117.85M | 114.13M | 104.06M | 106.32M | 95.72M | 76.10M |
| Interest Income on Investments | 17.76M | 21.25M | 27.65M | 20.02M | 11.34M | 5.51M |
| Total Interest Income | 135.62M | 135.39M | 131.71M | 126.34M | 107.06M | 81.61M |
| Interest Paid on Deposits | 35.31M | 36.82M | 36.14M | 24.04M | 6.27M | 4.88M |
| Interest Paid on Borrowings | 816.00K | 4.12M | 4.43M | 4.42M | 4.08M | 3.93M |
| Total Interest Expense | 36.13M | 40.94M | 40.57M | 28.46M | 10.35M | 8.80M |
| Net Interest Income | 99.49M | 94.45M | 91.14M | 97.87M | 96.71M | 72.81M |
| Gain (Loss) on Sale of Investments | -8.12M | -508.00K | -37.00K | -44.00K | -4.64M | 1.27M |
| Other Non-Interest Income | 5.88M | 6.33M | 6.13M | 6.51M | 6.33M | 5.20M |
| Total Non-Interest Income | -1.89M | 6.09M | 6.38M | 6.98M | 4.43M | 11.27M |
| Revenues Before Loan Losses | 97.60M | 100.54M | 97.52M | 104.85M | 101.15M | 84.08M |
| Provision for Loan Losses | 5.66M | 4.07M | 1.26M | 2.02M | 4.44M | 466.00K |
| Revenue | 91.93M | 96.47M | 96.25M | 102.84M | 96.71M | 83.61M |
| Salaries and Employee Benefits | 52.86M | 39.57M | 38.32M | 40.27M | 38.90M | 32.35M |
| Occupancy Expenses | 4.64M | 4.71M | 4.70M | 4.26M | 3.96M | 4.10M |
| Selling, General & Administrative | 13.56M | 13.22M | 12.62M | 12.14M | 11.93M | 10.91M |
| Other Non-Interest Expense | 6.43M | 6.35M | 8.49M | 8.00M | 8.08M | 7.76M |
| Total Non-Interest Expense | 77.49M | 63.85M | 64.13M | 64.68M | 62.86M | 55.13M |
| EBT Excluding Unusual Items | 14.44M | 32.62M | 32.12M | 38.16M | 33.85M | 28.48M |
| Other Unusual Items | 1.67M | |||||
| Pretax Income | 14.44M | 32.62M | 32.12M | 38.16M | 32.44M | 28.48M |
| Income Tax Expense | 5.22M | 8.69M | 8.51M | 10.73M | 8.71M | 7.79M |
| Net Income | 9.22M | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M |
| Net Income to Common | 9.22M | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M |
| Basic Shares Outstanding | 10.91M | 10.99M | 11.26M | 12.07M | 13.12M | 10.88M |
| Diluted Shares Outstanding | 10.91M | 10.99M | 11.26M | 12.07M | 13.12M | 10.88M |
| EPS (Basic) | 0.85 | 2.18 | 2.10 | 2.27 | 1.81 | 1.90 |
| EPS (Diluted) | 0.85 | 2.18 | 2.10 | 2.27 | 1.81 | 1.90 |
| Dividend Per Share | 1.20 | 0.90 | 0.45 | 0.40 | 0.20 | |
| Effective Tax Rate | 36.16% | 26.63% | 26.48% | 28.13% | 26.85% | 27.35% |
Balance sheet
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | 218.48M | 41.81M | 203.73M | 141.24M | 15.00K | 202.09M |
| Investment Securities | 174.40M | 110.69M | 121.33M | 115.85M | 120.63M | 120.15M |
| Mortgage-Backed Securities | 89.82M | 94.64M | 70.58M | 58.43M | 62.60M | |
| Total Investments | 174.40M | 200.51M | 215.97M | 186.43M | 179.07M | 182.75M |
| Gross Loans | 2.15B | 2.07B | 1.95B | 1.93B | 2.02B | 1.67B |
| Allowance for Loan Losses | -23.70M | -21.21M | -17.90M | -22.00M | -18.90M | -17.70M |
| Other Adjustments to Gross Loans | -82.00K | -1.90M | ||||
| Net Loans | 2.13B | 2.05B | 1.93B | 1.91B | 2.00B | 1.65B |
| Property, Plant & Equipment | 26.96M | 25.89M | 26.77M | 27.67M | 29.85M | 26.50M |
| Goodwill | 38.84M | 38.84M | 38.84M | 38.84M | 38.84M | 38.84M |
| Other Intangible Assets | 1.40M | 1.75M | 2.69M | 3.92M | 5.20M | 6.49M |
| Loans Held for Sale | 2.43M | 1.32M | 2.22M | 2.38M | 6.47M | |
| Accrued Interest Receivable | 40.38M | 8.34M | 8.51M | 8.42M | 7.66M | 5.93M |
| Other Receivables | 15.06M | 20.07M | 23.50M | 22.79M | 10.57M | |
| Restricted Cash | 164.70M | 160.30M | 166.30M | 176.80M | 177.60M | |
| Other Current Assets | 2.25M | 1.94M | 2.02M | 1.57M | 1.60M | |
| Other Real Estate Owned & Foreclosed | 21.00K | 21.00K | ||||
| Other Long-Term Assets | 32.72M | 36.56M | 37.16M | 36.47M | 36.25M | 36.27M |
| Total Assets | 2.68B | 2.59B | 2.66B | 2.55B | 2.51B | 2.35B |
| Interest Bearing Deposits | 1.72B | 1.46B | 1.55B | 1.49B | 1.31B | 1.28B |
| Institutional Deposits | 174.34M | |||||
| Non-Interest Bearing Deposits | 574.21M | 578.07M | 689.00M | 646.28M | 773.27M | 710.14M |
| Total Deposits | 2.29B | 2.21B | 2.23B | 2.13B | 2.09B | 1.99B |
| Current Portion of Leases | 3.75M | |||||
| Accrued Interest Payable | 23.38M | 1.83M | 3.12M | 3.05M | 1.41M | 1.18M |
| Long-Term Debt | 63.74M | 63.88M | 63.71M | 63.54M | ||
| Long-Term Leases | 14.86M | 9.91M | 14.38M | 14.75M | 17.14M | 12.66M |
| Trust Preferred Securities | 5.90M | 8.73M | 8.64M | 8.56M | 8.48M | 8.40M |
| Pension & Post-Retirement Benefits | 5.24M | 5.12M | 4.74M | 4.55M | 4.84M | 4.39M |
| Other Long-Term Liabilities | 12.14M | 11.51M | 11.54M | 15.12M | 12.68M | |
| Total Liabilities | 2.34B | 2.26B | 2.34B | 2.24B | 2.20B | 2.09B |
| Common Stock | 167.91M | 166.00M | 172.25M | 180.91M | 204.30M | 157.10M |
| Additional Paid-In Capital | 287.00K | 287.00K | 287.00K | 287.00K | 287.00K | |
| Retained Earnings | 171.44M | 178.90M | 164.83M | 146.26M | 124.12M | 103.06M |
| Comprehensive Income & Other | -4.54M | -6.63M | -13.01M | -14.59M | -11.56M | 2.17M |
| Shareholders' Equity | 334.82M | 338.55M | 324.37M | 312.87M | 317.15M | 262.61M |
| Total Liabilities & Equity | 2.68B | 2.59B | 2.66B | 2.55B | 2.51B | 2.35B |
| Total Debt | 20.76M | 22.39M | 86.76M | 87.20M | 89.33M | 84.60M |
| Net Cash (Debt) | 197.71M | 19.43M | 117.22M | 55.29M | -87.08M | 121.07M |
| Net Cash Per Share | 18.12 | 1.77 | 10.41 | 4.58 | -6.63 | 11.13 |
| Filing Date Shares Outstanding | 10.85M | 10.84M | 11.06M | 11.39M | 12.36M | 13.55M |
| Total Common Shares Outstanding | 10.85M | 10.81M | 11.05M | 11.47M | 12.74M | 10.54M |
| Book Value Per Share | 30.87 | 31.31 | 29.36 | 27.28 | 24.89 | 24.91 |
| Tangible Book Value | 294.58M | 297.97M | 282.83M | 270.12M | 273.11M | 217.28M |
| Tangible Book Value Per Share | 27.16 | 27.55 | 25.60 | 23.55 | 21.44 | 20.61 |
Cash flow statement
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Net Income | 23.93M | 23.61M | 27.43M | 23.73M | 20.69M | |
| Depreciation & Amortization | 2.99M | 3.27M | 2.96M | 4.02M | 3.86M | |
| Gain (Loss) on Sale of Assets | 21.00K | -27.00K | ||||
| Gain (Loss) on Sale of Investments | 366.00K | -428.00K | 1.48M | 5.17M | 458.00K | |
| Provision for Credit Losses | 4.07M | 1.26M | 2.02M | 4.44M | 466.00K | |
| Net Decrease (Increase) in Loans Originated / Sold - Operating | 1.19M | 1.19M | 2.38M | 8.56M | -8.73M | |
| Accrued Interest Receivable | 3.65M | 2.52M | 1.75M | -2.34M | -2.55M | |
| Change in Other Net Operating Assets | -377.00K | -539.00K | -962.00K | -156.00K | -296.00K | |
| Other Operating Activities | 527.00K | 847.00K | 82.00K | -3.30M | 368.00K | |
| Operating Cash Flow | 31.83M | 30.36M | 30.80M | 39.61M | 10.43M | |
| Capital Expenditures | -1.75M | -1.70M | -2.12M | -843.00K | -1.31M | |
| Sale of Property, Plant and Equipment | 46.00K | |||||
| Cash Acquisitions | 18.42M | |||||
| Investment in Securities | 23.21M | -26.98M | -12.72M | -16.42M | -55.91M | |
| Net Decrease (Increase) in Loans Originated / Sold - Investing | -113.96M | -33.48M | 95.90M | 53.79M | -2.92M | |
| Other Investing Activities | 1.71M | -19.00K | -658.00K | -1.01M | -693.00K | |
| Investing Cash Flow | -90.79M | -62.19M | 80.40M | 53.94M | -60.36M | |
| Long-Term Debt Repaid | -64.69M | -315.00K | -5.00M | |||
| Total Debt Repaid | -64.69M | -315.00K | -5.00M | |||
| Net Debt Issued (Repaid) | -64.69M | -315.00K | -5.00M | |||
| Repurchase of Common Stock | -6.91M | -9.25M | -24.11M | -17.96M | -11.55M | |
| Common Dividends Paid | -6.60M | -3.38M | -3.64M | -2.02M | ||
| Net Increase (Decrease) in Deposit Accounts | -20.37M | 101.26M | 47.27M | -276.44M | 146.84M | |
| Financing Cash Flow | -98.56M | 88.32M | 19.52M | -296.42M | 130.29M | |
| Net Cash Flow | -157.52M | 56.49M | 130.72M | -202.87M | 80.36M | |
| Free Cash Flow | 30.09M | 28.66M | 28.68M | 38.77M | 9.12M | |
| Free Cash Flow Margin | 31.19% | 29.77% | 27.89% | 40.09% | 10.91% | |
| Free Cash Flow Per Share | 2.74 | 2.54 | 2.38 | 2.95 | 0.84 | |
| Cash Interest Paid | 40.62M | 40.64M | 26.96M | 10.25M | 9.01M | |
| Cash Income Tax Paid | 8.51M | 6.50M | 12.15M | 7.65M | 7.10M |
Ratios
Fiscal year January - December; amounts in USD.
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | |
|---|---|---|---|---|---|---|
| Market Capitalization | 339.71M | 318.23M | 296.26M | 270.64M | 244.60M | 197.85M |
| Last Close Price | 31.32 | 28.54 | 25.25 | 21.76 | 17.15 | 16.78 |
| PE Ratio | 37.05 | 13.30 | 12.55 | 9.87 | 10.31 | 9.56 |
| PS Ratio | 3.70 | 3.30 | 3.08 | 2.63 | 2.53 | 2.37 |
| PB Ratio | 1.01 | 0.94 | 0.91 | 0.86 | 0.77 | 0.75 |
| P/FCF Ratio | 12.80 | 10.58 | 10.34 | 9.44 | 6.31 | 21.69 |
| P/OCF Ratio | 12.00 | 10.00 | 9.76 | 8.79 | 6.17 | 18.97 |
| Debt / Equity Ratio | 0.06 | 0.07 | 0.27 | 0.28 | 0.28 | 0.32 |
| Debt / FCF Ratio | 0.74 | 3.03 | 3.04 | 2.30 | 9.28 | |
| Net Debt / Equity Ratio | -0.59 | -0.06 | -0.36 | -0.18 | 0.28 | -0.46 |
| Net Debt / FCF Ratio | -0.65 | -4.09 | -1.93 | 2.25 | -13.28 | |
| Return on Equity (ROE) | 2.76% | 7.22% | 7.41% | 8.71% | 8.19% | 8.03% |
| Return on Assets (ROA) | 0.35% | 0.91% | 0.91% | 1.08% | 0.98% | 0.91% |
| Earnings Yield | 2.70% | 7.52% | 7.97% | 10.13% | 9.70% | 10.46% |
| FCF Yield | 7.81% | 9.45% | 9.67% | 10.60% | 15.85% | 4.61% |
| Dividend Yield | 3.83% | 3.06% | 1.68% | 1.70% | 1.04% | |
| Payout Ratio | 141.96% | 27.58% | 14.29% | 13.26% | 8.51% | |
| Buyback Yield / Dilution | 1.26% | 2.41% | 6.72% | 8.00% | -20.60% | 9.05% |
| Total Shareholder Return | 5.09% | 5.47% | 8.40% | 9.70% | -19.56% | 9.05% |