BayCom Corp (BCML) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, BayCom reported revenue of $100.5M, up 3.1% from $97.5M the year before. Net income was $23.9M (a 23.8% net margin), or $2.18 per diluted share. Net interest income was $94.5M, and the efficiency ratio (noninterest expense / revenue) was 63.5%. Operating activities generated $31.8M of cash, leaving $30.1M of free cash flow. At fiscal year end, BayCom held $2.59B in total assets against $2.26B in total liabilities.
Open the full interactive BayCom financials → Quarterly statements, key ratios, valuation history and price charts.
BayCom Key Stats
| Share Price | $30.70 |
|---|---|
| Market Cap | $334.9M |
| P/E Ratio | 14.1 |
| Revenue YoY Growth | +3.1% |
| 52-Week Range | $26.09 – $34.44 |
| Shares Outstanding | 10.9 million (basic, 2026 Q2) |
BayCom Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $78.3M | $72.8M | $96.7M | $97.9M | $91.1M | $94.5M |
| Provision for Credit Losses | $10.3M | $466,000 | $4.4M | $2.0M | $1.3M | $4.1M |
| Noninterest Income | $8.8M | $11.3M | $10.7M | $7.0M | $6.4M | $6.1M |
| Noninterest Expense | $58.5M | $55.1M | $65.9M | $64.7M | $64.1M | $63.9M |
| Revenue | $87.1M | $84.1M | $107.4M | $104.9M | $97.5M | $100.5M |
| Pre-Tax Income | $18.2M | $28.5M | $37.0M | $38.2M | $32.1M | $32.6M |
| Income Tax | $4.5M | $7.8M | $10.0M | $10.7M | $8.5M | $8.7M |
| Net Income | $13.7M | $20.7M | $27.0M | $27.4M | $23.6M | $23.9M |
| Diluted EPS | $1.15 | $1.90 | $2.06 | $2.27 | $2.10 | $2.18 |
BayCom Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $25.7M | $25.9M | $26.7M | $25.2M |
| Net Income | $5.0M | $6.9M | $8.2M | -$7.0M |
| Diluted EPS | $0.46 | $0.62 | $0.75 | -$0.64 |
BayCom Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | — | — | $1.91B | $1.93B | $2.05B |
| Total Assets | $2.20B | $2.35B | $2.51B | $2.55B | $2.66B | $2.59B |
| Deposits | $1.84B | $1.99B | $2.09B | $2.13B | $2.23B | $2.21B |
| Total Long-Term Debt | $76.7M | $71.9M | $72.2M | $72.4M | $72.4M | $8.7M |
| Total Liabilities | $1.94B | $2.09B | $2.20B | $2.24B | $2.34B | $2.26B |
| Shareholders' Equity | $252.6M | $262.6M | $317.1M | $312.9M | $324.4M | $338.6M |
BayCom Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $10.0M | $10.4M | $39.6M | $30.8M | $30.4M | $31.8M |
| Cash From Investing | -$73.7M | -$60.4M | $53.9M | $80.4M | -$62.2M | -$90.8M |
| Cash From Financing | $67.6M | $130.3M | -$296.4M | $19.5M | $88.3M | -$98.6M |
| Free Cash Flow | — | $9.1M | $38.8M | $28.7M | $28.7M | $30.1M |
| Dividends Paid | $0 | — | — | — | — | — |
Figures from BayCom's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full BayCom financials page for every line item.
BayCom Company Profile
| Ticker | BCML |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Walnut Creek, California |
| SEC Filer Category | Accelerated filer |
| SEC CIK | 0001730984 |
Frequently Asked Questions
What was BayCom's revenue in fiscal 2025?
BayCom (BCML) reported revenue of $100.5M for fiscal 2025.
What is BayCom's annual revenue history?
BayCom's annual revenue by fiscal year: 2020: $87.1M; 2021: $84.1M; 2022: $107.4M; 2023: $104.9M; 2024: $97.5M; 2025: $100.5M.
What was BayCom's net income in fiscal 2025?
BayCom reported net income of $23.9M for fiscal 2025.
What was BayCom's earnings per share (EPS) in fiscal 2025?
BayCom's diluted EPS was $2.18 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did BayCom generate in fiscal 2025?
BayCom generated $30.1M of free cash flow in fiscal 2025.
What was BayCom's revenue last quarter?
In its most recent reported quarter (2026 Q2), BayCom reported revenue of $25.2M.
How much debt does BayCom have?
BayCom reported $8.7M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of BayCom are outstanding?
BayCom reported a weighted average of 10.9 million basic shares outstanding in 2026 Q2.
What is BayCom's market cap?
Based on its latest closing price, BayCom (BCML) has a market capitalization of about $334.9M.
Where is BayCom headquartered?
BayCom lists its business address in Walnut Creek, California in its SEC filings.