NASDAQ · Financial Statements

BayCom Corp (BCML) Financial Statements

$30.86 NASDAQ: BCML Market Cap $336.94M

BayCom Corp most recently reported annual revenue of $142.0M, net profit of $24.0M. Revenue grew at an average annual rate of 8.1% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

BayCom Corp: Revenue rose from $31.0M in 2016 to $142.0M in 2025, a change of +358.1% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 33.3% to 23.2%, a shift of -10.2 percentage points; the most recent year shows net profit of $24.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$31.0M$49.0M$64.0M$86.0M$96.0M$93.0M$111.0M$133.0M$138.0M$142.0M
Operating Expenses$21.0M$35.0M$44.0M$62.0M$77.0M$64.0M$79.0M$95.0M$106.0M$109.0M
Operating Profit$10.0M$14.0M$20.0M$24.0M$18.0M$28.0M$32.0M$38.0M$32.0M$33.0M
Operating Margin33.3%29.0%32.0%27.7%19.1%30.7%29.2%28.7%23.3%23.2%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$3.0M$4.0M$5.0M$9.0M$9.0M$9.0M$10.0M$28.0M$41.0M$41.0M
Depreciation$1.0M$2.0M$2.0M$3.0M$4.0M$4.0M$4.0M$3.0M$3.0M$3.0M
Profit Before Tax$10.0M$14.0M$20.0M$24.0M$18.0M$28.0M$32.0M$38.0M$32.0M$33.0M
Tax$42.9M$62.8M$29.3M$26.9M$24.7M$27.4M$26.9M$28.1M$26.5M$26.6M
Net Profit$6.0M$5.0M$14.0M$17.0M$14.0M$21.0M$24.0M$27.0M$24.0M$24.0M
EPS$1.09$0.81$1.50$1.37$1.15$1.90$1.81$2.27$2.10$2.18
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$34.0M$35.0M$34.0M$34.0M$36.0M$34.0M$34.0M$35.0M$38.0M$36.0M$36.0M$34.0M
Operating Expenses$25.0M$26.0M$26.0M$26.0M$28.0M$26.0M$26.0M$26.0M$31.0M$26.0M$25.0M$41.0M
Operating Profit$9.0M$9.0M$8.0M$8.0M$8.0M$8.0M$8.0M$9.0M$7.0M$9.0M$11.0M$-7.0M
Operating Margin26.9%25.4%24.1%22.5%23.0%23.7%22.6%24.9%17.9%26.6%30.2%-21.3%
Interest$8.0M$9.0M$9.0M$10.0M$11.0M$11.0M$10.0M$10.0M$12.0M$9.0M$9.0M$9.0M
Profit Before Tax$9.0M$9.0M$8.0M$8.0M$8.0M$8.0M$8.0M$9.0M$7.0M$9.0M$11.0M$-7.0M
Tax$28.5M$27.3M$27.9M$26.3M$27.4M$24.3M$25.8M$27.0M$25.7M$27.6M$25.0M$3.1M
Net Profit$7.0M$6.0M$6.0M$6.0M$6.0M$6.0M$6.0M$6.0M$5.0M$7.0M$8.0M$-7.0M
EPS$0.56$0.55$0.51$0.50$0.54$0.55$0.51$0.58$0.46$0.63$0.75$-0.64

Over the 10 years reported for BayCom Corp, cash stood at $27.0M in the latest year, shareholders' equity was $166.0M, current assets covered current liabilities 51.75 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$675.0M$1.2B$1.5B$2.0B$2.2B$2.4B$2.5B$2.6B$2.7B$2.6B
Current Assets$35.0M$62.0M$130.0M$158.0M$170.0M$199.0M$215.0M$59.0M$56.0M$207.0M
Cash$7.0M$16.0M$25.0M$25.0M$37.0M$25.0M$29.0M$19.0M$23.0M$27.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$14.0M$3.0M$4.0M$11.0M$16.0M$17.0M$30.0M$32.0M$29.0M$8.0M
Fixed Assets$1.0M$8.0M$11.0M$26.0M$27.0M$26.0M$30.0M$28.0M$27.0M$26.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$518.0M$932.0M$1.1B$1.6B$1.8B$1.8B$2.2B$2.1B$2.2B$2.4B
Other Assets$0$10.0M$15.0M$35.0M$39.0M$39.0M$39.0M$39.0M$39.0M$39.0M
Total Liabilities$597.0M$1.1B$1.3B$1.7B$1.9B$2.1B$2.2B$2.2B$2.3B$2.3B
Current Liabilities$594.0M$1.1B$1.3B$1.7B$1.9B$2.0B$2.1B$2.1B$2.2B$4.0M
Borrowings$0$11.0M$8.0M$24.0M$89.0M$85.0M$89.0M$87.0M$87.0M$22.0M
Other Liabilities$597.0M$1.1B$1.3B$1.7B$1.9B$2.0B$2.1B$2.2B$2.3B$2.2B
Equity$46.0M$81.0M$150.0M$184.0M$167.0M$157.0M$204.0M$181.0M$172.0M$166.0M
Reserves$78.0M$119.0M$201.0M$254.0M$253.0M$263.0M$317.0M$313.0M$324.0M$339.0M

For BayCom Corp, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $30.0M; free cash flow was positive in 10 of 10 years; financing activities used $27.0M in the latest year, which covers debt repayment, dividends and buybacks.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$6.0M$9.0M$6.0M$7.0M$10.0M$10.0M$40.0M$31.0M$30.0M$32.0M
Investing Cash Flow$-33.0M$90.0M$-12.0M$0$-77.0M$-62.0M$53.0M$78.0M$-64.0M$-93.0M
Financing Cash Flow$47.0M$31.0M$18.0M$-36.0M$1.0M$135.0M$-294.0M$23.0M$92.0M$-27.0M
Net Cash Flow$21.0M$121.0M$74.0M$-28.0M$4.0M$80.0M$-203.0M$131.0M$56.0M$-158.0M
Free Cash Flow$6.0M$9.0M$5.0M$6.0M$7.0M$9.0M$39.0M$29.0M$29.0M$30.0M

Valuation & Return Ratios

MetricValue
PEG Ratio-0.58
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y20.73%
Return 3Y95.58%
Return 5Y105.30%

BayCom Corp (BCML) financials — frequently asked questions

What is BayCom Corp's annual revenue?

BayCom Corp (BCML) reported annual revenue of $142.0M in its most recent fiscal year.

What is BayCom Corp's net profit?

BayCom Corp (BCML) reported net profit of $24.0M in its most recent fiscal year.

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