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BayCom (BCML) Financials

BayCom logo
$26.72 +0.20 (+0.75%)
Closing price 05/29/2025 04:00 PM Eastern
Extended Trading
$26.64 -0.08 (-0.32%)
As of 05/29/2025 04:04 PM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
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Annual Income Statements for BayCom

Annual Income Statements for BayCom

This table shows BayCom's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Income / (Loss) Attributable to Common Shareholders		 24 27 24
Consolidated Net Income / (Loss)		 24 27 24
Net Income / (Loss) Continuing Operations		 24 27 24
Total Pre-Tax Income 		32 38 32
Total Revenue		 98 105 103
Net Interest Income / (Expense)		 91 98 97
Total Interest Income		 132 126 107
Loans and Leases Interest Income		 105 107 96
Investment Securities Interest Income		 9.56 7.57 6.63
Deposits and Money Market Investments Interest Income		 17 12 -
Total Interest Expense		 41 28 10
Deposits Interest Expense		 36 24 6.27
Short-Term Borrowings Interest Expense		 0.86 0.84 0.50
Long-Term Debt Interest Expense		 3.57 3.58 3.58
Total Non-Interest Income		 6.38 6.98 6.10
Other Service Charges		 2.78 2.94 6.33
Net Realized & Unrealized Capital Gains on Investments		 0.75 -0.63 -0.16
Investment Banking Income		 -0.50 1.10 -0.07
Other Non-Interest Income		 3.35 3.57 -
Provision for Credit Losses		 1.27 2.02 4.44
Total Non-Interest Expense		 64 65 66
Salaries and Employee Benefits		 39 41 40
Net Occupancy & Equipment Expense		 16 15 15
Other Operating Expenses		 9.28 8.90 10
Income Tax Expense		 8.51 11 8.71
Basic Earnings per Share		 $2.10 $2.27 $1.81
Weighted Average Basic Shares Outstanding		 11.26M 12.07M 13.12M
Diluted Earnings per Share		 $2.10 $2.27 $1.81
Weighted Average Diluted Shares Outstanding		 11.26M 12.07M 13.12M
Weighted Average Basic & Diluted Shares Outstanding		 11.13M 11.47M 12.46M
Cash Dividends to Common per Share		 $0.45 $0.40 $0.20

Quarterly Income Statements for BayCom

This table shows BayCom's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Consolidated Net Income / (Loss)		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Net Income / (Loss) Continuing Operations		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Total Pre-Tax Income 		8.09 8.29 7.60 8.15 8.80 9.27 10 10 10 9.82
Total Revenue		 24 26 24 24 26 26 25 27 27 27
Net Interest Income / (Expense)		 24 23 22 22 24 25 24 25 26 25
Total Interest Income		 34 33 32 32 32 33 31 30 30 27
Loans and Leases Interest Income		 28 26 25 26 26 27 27 26 26 24
Investment Securities Interest Income		 2.60 2.54 2.33 2.10 2.10 1.85 1.84 1.78 1.76 1.68
Deposits and Money Market Investments Interest Income		 3.73 4.41 4.82 4.12 3.68 3.52 2.56 1.83 - 1.29
Total Interest Expense		 11 11 10 9.34 8.66 8.02 6.98 4.80 3.04 2.41
Deposits Interest Expense		 9.46 9.45 9.00 8.23 7.55 6.91 5.88 3.70 1.96 1.39
Short-Term Borrowings Interest Expense		 0.21 0.22 0.22 0.22 0.22 0.22 0.20 0.20 0.18 0.13
Long-Term Debt Interest Expense		 0.89 0.89 0.89 0.89 0.90 0.90 0.90 0.90 0.90 0.90
Total Non-Interest Income		 0.09 2.75 1.48 2.06 2.68 1.65 1.09 1.56 0.91 2.38
Other Service Charges		 0.70 0.68 0.71 0.68 0.74 0.70 0.83 0.67 3.24 0.71
Net Realized & Unrealized Capital Gains on Investments		 -1.21 1.42 -0.03 0.57 0.95 -0.25 -0.85 -0.48 -0.57 0.92
Investment Banking Income		 -0.29 -0.25 0.07 -0.03 0.16 0.23 0.23 0.49 -0.23 -0.06
Other Non-Interest Income		 0.88 0.90 0.73 0.84 0.83 0.97 0.88 0.89 - 0.82
Provision for Credit Losses		 -0.40 1.25 0.17 0.25 2.33 0.67 -1.26 0.28 0.62 1.19
Total Non-Interest Expense		 16 16 16 16 15 17 17 17 16 16
Salaries and Employee Benefits		 9.66 9.57 9.64 10 8.94 10 11 11 11 10
Net Occupancy & Equipment Expense		 4.08 4.18 3.78 3.91 3.79 3.91 3.59 3.49 3.46 3.61
Other Operating Expenses		 2.24 2.32 2.59 2.13 2.35 2.33 2.22 2.00 2.12 2.33
Income Tax Expense		 1.97 2.27 2.00 2.27 2.41 2.64 2.86 2.82 2.83 2.85
Basic Earnings per Share		 $0.55 $0.54 $0.50 $0.51 $0.55 $0.56 $0.59 $0.57 $0.59 $0.52
Weighted Average Basic Shares Outstanding		 11.26M 11.15M 11.25M 11.53M 12.07M 11.81M 12.23M 12.70M 13.12M 13.31M
Diluted Earnings per Share		 $0.55 $0.54 $0.50 $0.51 $0.55 $0.56 $0.59 $0.57 $0.59 $0.52
Weighted Average Diluted Shares Outstanding		 11.26M 11.15M 11.25M 11.53M 12.07M 11.81M 12.23M 12.70M 13.12M 13.31M
Weighted Average Basic & Diluted Shares Outstanding		 11.13M 11.12M 11.16M 11.25M 11.47M 11.55M 11.83M 12.31M 12.46M 12.99M

Annual Cash Flow Statements for BayCom

This table details how cash moves in and out of BayCom's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Net Change in Cash & Equivalents		 56 131 -203
Net Cash From Operating Activities		 30 31 40
Net Cash From Continuing Operating Activities		 30 31 40
Net Income / (Loss) Continuing Operations		 24 27 24
Consolidated Net Income / (Loss)		 24 27 24
Provision For Loan Losses		 1.27 2.02 4.44
Depreciation Expense		 2.05 1.68 1.98
Amortization Expense		 1.29 0.75 2.64
Non-Cash Adjustments to Reconcile Net Income		 1.33 2.88 7.95
Changes in Operating Assets and Liabilities, net		 0.82 -3.95 -0.75
Net Cash From Investing Activities		 -62 80 54
Net Cash From Continuing Investing Activities		 -62 80 54
Purchase of Property, Leasehold Improvements and Equipment		 -1.70 -2.12 -0.84
Purchase of Investment Securities		 -136 -44 -44
Divestitures		 0.00 0.00 18
Sale and/or Maturity of Investments		 29 13 12
Other Investing Activities, net		 46 114 68
Net Cash From Financing Activities		 88 20 -296
Net Cash From Continuing Financing Activities		 88 20 -296
Net Change in Deposits		 101 47 -276
Repayment of Debt		 -0.32 0.00 0.00
Repurchase of Common Equity		 -9.25 -24 -18
Payment of Dividends		 -3.38 -3.64 -2.02
Cash Interest Paid		 41 27 10
Cash Income Taxes Paid		 6.50 12 7.65

Quarterly Cash Flow Statements for BayCom

This table details how cash moves in and out of BayCom's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 63 -90 43 41 5.61 52 53 21 -48 -130
Net Cash From Operating Activities		 7.99 9.62 7.67 5.08 8.41 2.60 12 8.19 16 12
Net Cash From Continuing Operating Activities		 7.99 9.62 7.67 5.08 8.41 2.60 12 8.19 16 12
Net Income / (Loss) Continuing Operations		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Consolidated Net Income / (Loss)		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Provision For Loan Losses		 -0.40 1.25 0.17 0.25 2.33 0.67 -1.26 0.28 0.62 1.19
Depreciation Expense		 0.51 0.53 0.52 0.49 0.41 0.38 0.43 0.45 0.48 0.49
Amortization Expense		 0.35 0.26 0.33 0.34 -0.53 0.37 0.42 0.48 0.66 0.68
Non-Cash Adjustments to Reconcile Net Income		 -1.32 0.02 1.19 1.45 1.37 -1.42 -0.57 3.50 2.17 3.42
Changes in Operating Assets and Liabilities, net		 2.73 1.55 -0.14 -3.33 -1.57 -4.04 5.38 -3.71 4.69 -0.49
Net Cash From Investing Activities		 -43 -59 8.39 31 28 42 31 -21 -29 5.79
Net Cash From Continuing Investing Activities		 -43 -59 8.39 31 28 42 31 -21 -29 5.79
Purchase of Property, Leasehold Improvements and Equipment		 -0.06 -0.26 -0.25 -1.14 -1.42 -0.53 -0.02 -0.15 -0.24 -0.27
Purchase of Investment Securities		 -97 -12 -55 29 -37 -3.96 19 -22 -98 1.98
Sale and/or Maturity of Investments		 8.49 -47 64 3.27 5.74 -6.90 13 1.17 2.08 4.08
Other Investing Activities, net		 46 - - - 60 - - - - -
Net Cash From Financing Activities		 98 -41 27 4.69 -30 6.66 9.59 34 -35 -148
Net Cash From Continuing Financing Activities		 98 -41 27 4.69 -30 6.66 9.59 34 -35 -148
Net Change in Deposits		 98 -39 32 10 -27 12 19 42 -30 -139
Repurchase of Common Equity		 -0.03 -1.08 -4.13 -4.00 -2.44 -4.52 -9.09 -8.07 -4.42 -7.83
Payment of Dividends		 0.06 -1.12 -1.16 -1.16 -1.18 -1.20 -0.62 -0.64 -0.66 -0.68
Cash Interest Paid		 11 11 9.25 9.67 8.13 8.25 5.47 5.11 1.95 3.35
Cash Income Taxes Paid		 1.19 1.42 3.89 0.00 9.27 2.88 -0.00 0.01 1.75 3.07

Annual Balance Sheets for BayCom

This table presents BayCom's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Total Assets		 2,665 2,552 2,513
Cash and Due from Banks		 23 18 27
Federal Funds Sold		 341 290 150
Interest Bearing Deposits at Other Banks		 0.25 1.25 2.24
Trading Account Securities		 206 176 168
Loans and Leases, Net of Allowance		 1,935 1,906 0.00
Loans Held for Sale		 2.22 0.00 2,005
Premises and Equipment, Net		 13 14 13
Goodwill		 39 39 39
Intangible Assets		 2.69 3.92 5.20
Other Assets		 102 105 105
Total Liabilities & Shareholders' Equity		 2,665 2,552 2,513
Total Liabilities		 2,340 2,239 2,196
Non-Interest Bearing Deposits		 2,234 2,133 2,085
Long-Term Debt		 72 72 72
Other Long-Term Liabilities		 34 34 39
Commitments & Contingencies		 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 324 313 317
Total Preferred & Common Equity		 324 313 317
Preferred Stock		 0.00 0.00 0.00
Total Common Equity		 324 313 317
Common Stock		 173 181 205
Retained Earnings		 165 146 124
Accumulated Other Comprehensive Income / (Loss)		 -13 -15 -12

Quarterly Balance Sheets for BayCom

This table presents BayCom's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 2,562 2,594 2,561 2,574 2,567 2,548 2,534
Cash and Due from Banks		 26 23 20 30 37 29 32
Federal Funds Sold		 276 368 328 271 214 169 192
Interest Bearing Deposits at Other Banks		 0.50 0.75 1.00 1.74 1.99 - 2.49
Trading Account Securities		 208 196 181 157 158 165 167
Loans and Leases, Net of Allowance		 1,894 1,845 1,868 1,949 1,994 0.00 0.00
Loans Held for Sale		 2.25 - 1.68 1.27 0.00 0.00 3.49
Premises and Equipment, Net		 14 14 14 13 13 13 14
Goodwill		 39 39 39 39 39 39 39
Intangible Assets		 3.00 3.30 3.61 4.22 4.53 4.83 5.72
Other Assets		 101 104 104 106 106 2,126 2,078
Total Liabilities & Shareholders' Equity		 2,562 2,594 2,561 2,574 2,567 2,548 2,534
Total Liabilities		 2,241 2,279 2,246 2,267 2,260 2,235 2,220
Non-Interest Bearing Deposits		 2,136 2,175 2,143 2,159 2,147 2,128 2,115
Long-Term Debt		 72 72 72 72 72 72 72
Other Long-Term Liabilities		 32 31 31 35 41 35 33
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 322 315 314 307 307 313 314
Total Preferred & Common Equity		 322 315 314 307 307 313 314
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 322 315 314 307 307 313 314
Common Stock		 172 173 177 183 188 197 209
Retained Earnings		 160 155 151 141 136 130 117
Accumulated Other Comprehensive Income / (Loss)		 -11 -14 -14 -17 -16 -13 -12

Annual Metrics And Ratios for BayCom

This table displays calculated financial ratios and metrics derived from BayCom's official financial filings.

Metric 2024 2023 2022
Period end date 12/31/2024 12/31/2023 12/31/2022
Growth Metrics		 - - -
Revenue Growth		 -6.99% 1.98% 22.29%
EBITDA Growth		 -12.65% 9.54% 12.83%
EBIT Growth		 -15.82% 17.63% 13.90%
NOPAT Growth		 -13.90% 15.57% 14.69%
Net Income Growth		 -13.90% 15.57% 14.69%
EPS Growth		 -7.49% 25.41% -4.74%
Operating Cash Flow Growth		 -1.44% -22.24% 279.83%
Free Cash Flow Firm Growth		 -61.27% 201.26% -301.39%
Invested Capital Growth		 2.97% -1.03% 16.38%
Revenue Q/Q Growth		 -2.54% -1.11% 5.77%
EBITDA Q/Q Growth		 -1.72% -6.65% 8.95%
EBIT Q/Q Growth		 -2.18% -4.14% 9.94%
NOPAT Q/Q Growth		 -1.16% -4.28% 10.14%
Net Income Q/Q Growth		 -1.16% -4.28% 10.14%
EPS Q/Q Growth		 0.00% -1.73% 5.23%
Operating Cash Flow Q/Q Growth		 -1.37% -19.47% 37.57%
Free Cash Flow Firm Q/Q Growth		 27.76% -11.51% 13.33%
Invested Capital Q/Q Growth		 0.70% 1.49% 0.73%
Profitability Metrics		 - - -
EBITDA Margin		 36.35% 38.71% 36.04%
EBIT Margin		 32.94% 36.39% 31.55%
Profit (Net Income) Margin		 24.22% 26.16% 23.08%
Tax Burden Percent		 73.52% 71.87% 73.15%
Interest Burden Percent		 100.00% 100.00% 100.00%
Effective Tax Rate		 26.48% 28.13% 26.85%
Return on Invested Capital (ROIC)		 6.04% 7.08% 6.56%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.04% 7.08% 6.56%
Return on Net Nonoperating Assets (RNNOA)		 1.37% 1.63% 1.63%
Return on Equity (ROE)		 7.41% 8.71% 8.19%
Cash Return on Invested Capital (CROIC)		 3.12% 8.12% -8.58%
Operating Return on Assets (OROA)		 1.23% 1.51% 1.33%
Return on Assets (ROA)		 0.91% 1.08% 0.98%
Return on Common Equity (ROCE)		 7.41% 8.71% 8.19%
Return on Equity Simple (ROE_SIMPLE)		 7.28% 8.77% 7.48%
Net Operating Profit after Tax (NOPAT)		 24 27 24
NOPAT Margin		 24.22% 26.16% 23.08%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.25% 53.20% 54.30%
Operating Expenses to Revenue		 65.77% 61.69% 64.13%
Earnings before Interest and Taxes (EBIT)		 32 38 32
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 35 41 37
Valuation Ratios		 - - -
Price to Book Value (P/BV)		 0.91 0.84 0.74
Price to Tangible Book Value (P/TBV)		 1.05 0.98 0.86
Price to Revenue (P/Rev)		 3.04 2.52 2.28
Price to Earnings (P/E)		 12.57 9.64 9.87
Dividend Yield		 2.06% 1.75% 1.11%
Earnings Yield		 7.96% 10.38% 10.14%
Enterprise Value to Invested Capital (EV/IC)		 0.01 0.07 0.33
Enterprise Value to Revenue (EV/Rev)		 0.05 0.27 1.24
Enterprise Value to EBITDA (EV/EBITDA)		 0.14 0.69 3.43
Enterprise Value to EBIT (EV/EBIT)		 0.15 0.73 3.92
Enterprise Value to NOPAT (EV/NOPAT)		 0.20 1.02 5.36
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.16 0.91 3.21
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.40 0.89 0.00
Leverage & Solvency		 - - -
Debt to Equity		 0.22 0.23 0.23
Long-Term Debt to Equity		 0.22 0.23 0.23
Financial Leverage		 0.23 0.23 0.25
Leverage Ratio		 8.19 8.04 8.39
Compound Leverage Factor		 8.19 8.04 8.39
Debt to Total Capital		 18.24% 18.80% 18.54%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.24% 18.80% 18.54%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.76% 81.20% 81.46%
Debt to EBITDA		 2.04 1.79 1.95
Net Debt to EBITDA		 -8.23 -5.82 -2.88
Long-Term Debt to EBITDA		 2.04 1.79 1.95
Debt to NOPAT		 3.07 2.64 3.04
Net Debt to NOPAT		 -12.36 -8.62 -4.50
Long-Term Debt to NOPAT		 3.07 2.64 3.04
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00%
Liquidity Ratios		 - - -
Cash Flow Metrics		 - - -
Free Cash Flow to Firm (FCFF)		 12 31 -31
Operating Cash Flow to CapEx		 1,784.66% 1,450.87% 4,698.93%
Free Cash Flow to Firm to Interest Expense		 0.30 1.11 -3.00
Operating Cash Flow to Interest Expense		 0.75 1.08 3.83
Operating Cash Flow Less CapEx to Interest Expense		 0.71 1.01 3.75
Efficiency Ratios		 - - -
Asset Turnover		 0.04 0.04 0.04
Fixed Asset Turnover		 7.19 7.76 7.44
Capital & Investment Metrics		 - - -
Invested Capital		 397 385 389
Invested Capital Turnover		 0.25 0.27 0.28
Increase / (Decrease) in Invested Capital		 11 -4.03 55
Enterprise Value (EV)		 4.82 28 127
Market Capitalization		 297 264 234
Book Value per Share		 $29.17 $27.09 $24.42
Tangible Book Value per Share		 $25.43 $23.38 $21.03
Total Capital		 397 385 389
Total Debt		 72 72 72
Total Long-Term Debt		 72 72 72
Net Debt		 -292 -236 -107
Capital Expenditures (CapEx)		 1.70 2.12 0.84
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 72 72 72
Total Depreciation and Amortization (D&A)		 3.33 2.43 4.61
Earnings Adjustments		 - - -
Adjusted Basic Earnings per Share		 $2.10 $2.27 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 11.26M 12.07M 0.00
Adjusted Diluted Earnings per Share		 $2.10 $2.27 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 11.26M 12.07M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.13M 11.47M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 24 27 24
Normalized NOPAT Margin		 24.22% 26.16% 23.08%
Pre Tax Income Margin		 32.94% 36.39% 31.55%
Debt Service Ratios		 - - -
EBIT to Interest Expense		 0.79 1.34 3.13
NOPAT to Interest Expense		 0.58 0.96 2.29
EBIT Less CapEx to Interest Expense		 0.75 1.27 3.05
NOPAT Less CapEx to Interest Expense		 0.54 0.89 2.21
Payout Ratios		 - - -
Dividend Payout Ratio		 14.29% 13.26% 8.51%
Augmented Payout Ratio		 53.45% 101.19% 84.19%

Quarterly Metrics And Ratios for BayCom

This table displays calculated financial ratios and metrics derived from BayCom's official financial filings.

Metric Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 -9.70% -3.22% -6.26% -8.76% -4.28% -2.38% 8.65% 7.34% 25.75% 24.64%
EBITDA Growth		 2.96% -9.46% -22.64% -18.00% -24.98% -8.70% 62.75% 40.84% 35.66% 28.32%
EBIT Growth		 -8.13% -10.56% -24.58% -18.65% -15.76% -5.57% 82.63% 50.45% 38.99% 32.81%
NOPAT Growth		 -4.35% -9.25% -22.29% -18.27% -16.08% -4.88% 84.44% 37.52% 40.17% 28.79%
Net Income Growth		 -4.35% -9.25% -22.29% -18.27% -16.08% -4.88% 84.44% 37.52% 40.17% 28.79%
EPS Growth		 0.00% -3.57% -15.25% -10.53% -6.78% 7.69% 103.45% 39.02% 18.00% 1.96%
Operating Cash Flow Growth		 -5.01% 269.35% -33.90% -37.92% -46.97% -78.75% 34.04% 187.70% 214.73% 497.50%
Free Cash Flow Firm Growth		 -150.94% -161.67% -112.62% -71.43% 122.11% 126.82% 131.85% 130.14% -27,523.26% -480.45%
Invested Capital Growth		 2.97% 3.78% 2.16% 0.18% -1.03% -1.78% -3.39% -2.76% 16.38% 17.43%
Revenue Q/Q Growth		 -7.61% 7.70% -2.82% -6.62% -0.98% 4.32% -5.41% -2.04% 0.99% 16.10%
EBITDA Q/Q Growth		 -1.44% 7.47% -5.91% -6.15% -13.33% -8.17% -0.27% -5.47% 5.46% 63.71%
EBIT Q/Q Growth		 -2.45% 9.16% -6.76% -7.47% -5.03% -7.94% 0.56% -4.18% 6.46% 78.04%
NOPAT Q/Q Growth		 1.71% 7.45% -4.71% -8.14% -3.50% -7.99% 0.21% -5.68% 9.38% 78.40%
Net Income Q/Q Growth		 1.71% 7.45% -4.71% -8.14% -3.50% -7.99% 0.21% -5.68% 9.38% 78.40%
EPS Q/Q Growth		 1.85% 8.00% -1.96% -7.27% -1.79% -5.08% 3.51% -3.39% 13.46% 79.31%
Operating Cash Flow Q/Q Growth		 -16.95% 25.43% 50.86% -39.55% 222.93% -77.55% 41.68% -48.36% 29.38% 41.59%
Free Cash Flow Firm Q/Q Growth		 36.31% -222.38% -149.96% -50.34% -22.89% -34.02% 13.11% 138.42% 6.44% 21.66%
Invested Capital Q/Q Growth		 0.70% 1.67% 0.28% 0.29% 1.49% 0.08% -1.66% -0.93% 0.73% -1.55%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 37.81% 35.45% 35.52% 36.69% 33.16% 37.89% 43.04% 40.83% 42.31% 40.52%
EBIT Margin		 34.18% 32.37% 31.94% 33.29% 33.60% 35.03% 39.70% 37.34% 38.18% 36.22%
Profit (Net Income) Margin		 25.87% 23.49% 23.55% 24.02% 24.42% 25.05% 28.41% 26.81% 27.85% 25.71%
Tax Burden Percent		 75.67% 72.57% 73.73% 72.15% 72.67% 71.52% 71.56% 71.81% 72.95% 71.00%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 24.33% 27.43% 26.27% 27.85% 27.33% 28.48% 28.44% 28.19% 27.05% 29.00%
Return on Invested Capital (ROIC)		 6.45% 6.08% 6.20% 6.38% 6.61% 6.93% 7.85% 7.17% 7.91% 6.98%
ROIC Less NNEP Spread (ROIC-NNEP)		 6.45% 6.08% 6.20% 6.38% 6.61% 6.93% 7.85% 7.17% 7.91% 6.98%
Return on Net Nonoperating Assets (RNNOA)		 1.47% 1.40% 1.44% 1.47% 1.52% 1.61% 1.81% 1.62% 1.97% 1.76%
Return on Equity (ROE)		 7.92% 7.48% 7.64% 7.84% 8.13% 8.55% 9.66% 8.79% 9.88% 8.74%
Cash Return on Invested Capital (CROIC)		 3.12% 2.47% 4.26% 6.58% 8.12% 9.28% 10.95% 9.36% -8.58% -10.02%
Operating Return on Assets (OROA)		 1.28% 1.26% 1.25% 1.34% 1.39% 1.45% 1.61% 1.47% 1.61% 1.44%
Return on Assets (ROA)		 0.97% 0.92% 0.92% 0.96% 1.01% 1.04% 1.16% 1.06% 1.18% 1.02%
Return on Common Equity (ROCE)		 7.92% 7.48% 7.64% 7.84% 8.13% 8.55% 9.66% 8.79% 9.88% 8.74%
Return on Equity Simple (ROE_SIMPLE)		 0.00% 7.43% 7.77% 8.31% 0.00% 9.32% 9.44% 8.20% 0.00% 6.85%
Net Operating Profit after Tax (NOPAT)		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
NOPAT Margin		 25.87% 23.49% 23.55% 24.02% 24.42% 25.05% 28.41% 26.81% 27.85% 25.71%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.05% 53.69% 56.46% 56.98% 48.57% 53.63% 56.51% 54.17% 51.84% 50.80%
Operating Expenses to Revenue		 67.52% 62.76% 67.34% 65.68% 57.52% 62.42% 65.27% 61.63% 59.57% 59.38%
Earnings before Interest and Taxes (EBIT)		 8.09 8.29 7.60 8.15 8.80 9.27 10 10 10 9.82
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 8.95 9.08 8.45 8.98 8.69 10 11 11 12 11
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 0.91 0.82 0.73 0.75 0.84 0.72 0.65 0.66 0.74 0.72
Price to Tangible Book Value (P/TBV)		 1.05 0.95 0.84 0.87 0.98 0.84 0.76 0.76 0.86 0.84
Price to Revenue (P/Rev)		 3.04 2.64 2.27 2.29 2.52 2.09 1.88 1.97 2.28 2.32
Price to Earnings (P/E)		 12.57 11.08 9.34 9.01 9.64 7.74 6.91 8.03 9.87 10.47
Dividend Yield		 2.06% 2.11% 2.46% 2.44% 1.75% 1.87% 1.84% 1.51% 1.11% 0.89%
Earnings Yield		 7.96% 9.03% 10.71% 11.10% 10.38% 12.91% 14.48% 12.46% 10.14% 9.55%
Enterprise Value to Invested Capital (EV/IC)		 0.01 0.09 0.00 0.00 0.07 0.00 0.05 0.20 0.33 0.18
Enterprise Value to Revenue (EV/Rev)		 0.05 0.35 0.00 0.00 0.27 0.00 0.19 0.75 1.24 0.73
Enterprise Value to EBITDA (EV/EBITDA)		 0.14 0.97 0.00 0.00 0.69 0.00 0.46 1.96 3.43 2.07
Enterprise Value to EBIT (EV/EBIT)		 0.15 1.07 0.00 0.00 0.73 0.00 0.51 2.20 3.92 2.39
Enterprise Value to NOPAT (EV/NOPAT)		 0.20 1.47 0.00 0.00 1.02 0.00 0.70 3.07 5.36 3.27
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.16 1.14 0.00 0.00 0.91 0.00 0.43 1.75 3.21 2.45
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.40 3.69 0.00 0.00 0.89 0.00 0.48 2.15 0.00 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.22 0.22 0.23 0.23 0.23 0.24 0.24 0.23 0.23 0.23
Long-Term Debt to Equity		 0.22 0.22 0.23 0.23 0.23 0.24 0.24 0.23 0.23 0.23
Financial Leverage		 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.23 0.25 0.25
Leverage Ratio		 8.19 8.17 8.29 8.14 8.04 8.22 8.36 8.31 8.39 8.57
Compound Leverage Factor		 8.19 8.17 8.29 8.14 8.04 8.22 8.36 8.31 8.39 8.57
Debt to Total Capital		 18.24% 18.36% 18.65% 18.68% 18.80% 19.07% 19.07% 18.73% 18.54% 18.66%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 18.24% 18.36% 18.65% 18.68% 18.80% 19.07% 19.07% 18.73% 18.54% 18.66%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 81.76% 81.64% 81.35% 81.32% 81.20% 80.93% 80.94% 81.27% 81.46% 81.34%
Debt to EBITDA		 2.04 2.01 1.95 1.83 1.79 1.66 1.63 1.80 1.95 2.12
Net Debt to EBITDA		 -8.23 -6.36 -8.64 -7.02 -5.82 -5.32 -4.05 -3.17 -2.88 -4.56
Long-Term Debt to EBITDA		 2.04 2.01 1.95 1.83 1.79 1.66 1.63 1.80 1.95 2.12
Debt to NOPAT		 3.07 3.03 2.95 2.76 2.64 2.53 2.49 2.81 3.04 3.35
Net Debt to NOPAT		 -12.36 -9.60 -13.05 -10.61 -8.62 -8.07 -6.20 -4.96 -4.50 -7.20
Long-Term Debt to NOPAT		 3.07 3.03 2.95 2.76 2.64 2.53 2.49 2.81 3.04 3.35
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -5.31 -8.34 -2.59 5.18 10 14 20 18 -47 -50
Operating Cash Flow to CapEx		 13,772.41% 3,771.76% 3,129.80% 444.71% 592.18% 489.47% 50,439.13% 5,532.43% 6,690.30% 4,607.14%
Free Cash Flow to Firm to Interest Expense		 -0.50 -0.79 -0.26 0.55 1.20 1.69 2.94 3.78 -15.54 -20.90
Operating Cash Flow to Interest Expense		 0.76 0.91 0.76 0.54 0.97 0.32 1.66 1.71 5.22 5.08
Operating Cash Flow Less CapEx to Interest Expense		 0.75 0.89 0.73 0.42 0.81 0.26 1.66 1.68 5.15 4.97
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 7.19 7.35 7.45 7.49 7.76 7.81 7.91 7.68 7.44 6.88
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 397 394 388 386 385 380 379 386 389 387
Invested Capital Turnover		 0.25 0.26 0.26 0.27 0.27 0.28 0.28 0.27 0.28 0.27
Increase / (Decrease) in Invested Capital		 11 14 8.19 0.70 -4.03 -6.89 -13 -11 55 57
Enterprise Value (EV)		 4.82 35 -91 -42 28 -9.44 20 79 127 70
Market Capitalization		 297 265 229 235 264 222 200 206 234 226
Book Value per Share		 $29.17 $28.83 $28.03 $27.40 $27.09 $25.97 $24.94 $25.16 $24.42 $23.58
Tangible Book Value per Share		 $25.43 $25.08 $24.28 $23.70 $23.38 $22.33 $21.41 $21.66 $21.03 $20.23
Total Capital		 397 394 388 386 385 380 379 386 389 387
Total Debt		 72 72 72 72 72 72 72 72 72 72
Total Long-Term Debt		 72 72 72 72 72 72 72 72 72 72
Net Debt		 -292 -229 -320 -277 -236 -231 -180 -128 -107 -155
Capital Expenditures (CapEx)		 0.06 0.26 0.25 1.14 1.42 0.53 0.02 0.15 0.24 0.27
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 72 72 72 72 72 72 72 72 72 72
Total Depreciation and Amortization (D&A)		 0.86 0.79 0.85 0.83 -0.11 0.76 0.85 0.94 1.13 1.17
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.55 $0.54 $0.50 $0.51 $0.55 $0.56 $0.59 $0.00 $0.59 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 11.26M 11.15M 11.25M 11.53M 12.07M 11.81M 12.23M 0.00 13.12M 0.00
Adjusted Diluted Earnings per Share		 $0.55 $0.54 $0.50 $0.51 $0.55 $0.56 $0.59 $0.00 $0.59 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 11.26M 11.15M 11.25M 11.53M 12.07M 11.81M 12.23M 0.00 13.12M 0.00
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 11.13M 11.12M 11.16M 11.25M 11.47M 11.55M 11.83M 0.00 12.46M 0.00
Normalized Net Operating Profit after Tax (NOPAT)		 6.12 6.02 5.60 5.88 6.40 6.63 7.21 7.19 7.62 6.97
Normalized NOPAT Margin		 25.87% 23.49% 23.55% 24.02% 24.42% 25.05% 28.41% 26.81% 27.85% 25.71%
Pre Tax Income Margin		 34.18% 32.37% 31.94% 33.29% 33.60% 35.03% 39.70% 37.34% 38.18% 36.22%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.77 0.79 0.75 0.87 1.02 1.16 1.44 2.09 3.44 4.07
NOPAT to Interest Expense		 0.58 0.57 0.55 0.63 0.74 0.83 1.03 1.50 2.51 2.89
EBIT Less CapEx to Interest Expense		 0.76 0.76 0.73 0.75 0.85 1.09 1.44 2.06 3.37 3.96
NOPAT Less CapEx to Interest Expense		 0.57 0.55 0.53 0.51 0.57 0.76 1.03 1.47 2.43 2.78
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 14.29% 19.30% 19.12% 15.89% 13.26% 10.88% 8.96% 0.00% 8.51% 6.32%
Augmented Payout Ratio		 53.45% 68.07% 80.70% 92.66% 101.19% 101.94% 110.37% 96.36% 84.19% 69.62%

Frequently Asked Questions About BayCom's Financials

When does BayCom's financial year end?

According to the most recent income statement we have on file, BayCom's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has BayCom's net income changed over the last 2 years?

In the past 2 years, BayCom's net income has ranged from $23.61 million in 2024 to $27.43 million in 2023, and is currently $23.61 million as of their latest financial filing in 2024. See where experts think BayCom is headed by visiting BayCom's forecast page.

How has BayCom revenue changed over the last 2 years?

Over the last 2 years, BayCom's total revenue changed from $102.81 million in 2022 to $97.52 million in 2024, a change of -5.2%.

How much debt does BayCom have?

BayCom's total liabilities were at $2.34 billion at the end of 2024, a 4.5% increase from 2023, and a 6.6% increase since 2022.

How much cash does BayCom have?

In the past 2 years, BayCom's cash and equivalents has ranged from $17.90 million in 2023 to $26.98 million in 2022, and is currently $23.14 million as of their latest financial filing in 2024.

How has BayCom's book value per share changed over the last 2 years?

Over the last 2 years, BayCom's book value per share changed from 24.42 in 2022 to 29.17 in 2024, a change of 19.4%.


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This page (NASDAQ:BCML) was last updated on 5/30/2025 by MarketBeat.com Staff
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