Bay Commercial Bank (BCML) Financials

$33.70 +0.36 (+1.08%)

Closing price 07/13/2026 04:00 PM Eastern

Extended Trading

$33.70 +0.00 (+0.00%)

As of 04:02 AM Eastern

Annual Income Statements for Bay Commercial Bank

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

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Income / (Loss) Attributable to Common Shareholders	5.91	5.26	14	17	14	21	24	27	24	24
Consolidated Net Income / (Loss)	5.91	5.26	14	17	14	21	24	27	24	24
Net Income / (Loss) Continuing Operations	5.91	5.26	14	17	14	21	24	27	24	24
Total Pre-Tax Income	10	14	20	24	18	28	32	38	32	33
Total Revenue	28	45	59	77	87	84	103	105	98	101
Net Interest Income / (Expense)	27	40	52	68	78	73	97	98	91	94
Total Interest Income	30	44	57	77	87	82	107	126	132	135
Loans and Leases Interest Income	29	41	50	66	83	77	96	107	105	115
Investment Securities Interest Income	0.09	0.09	0.22	0.30	3.42	4.35	6.63	7.57	9.56	9.98
Deposits and Money Market Investments Interest Income	0.83	2.72	7.07	10	1.25	0.67	-	12	17	10
Total Interest Expense	3.07	4.31	4.94	8.73	8.90	8.80	10	28	41	41
Deposits Interest Expense	3.07	3.91	4.46	8.17	6.95	4.88	6.27	24	36	37
Short-Term Borrowings Interest Expense	0.00	0.40	0.48	0.57	0.54	0.35	0.50	0.84	0.86	0.76
Long-Term Debt Interest Expense	-	-	0.00	0.00	1.41	3.58	3.58	3.58	3.57	3.35
Total Non-Interest Income	1.36	4.79	7.08	9.57	8.78	11	6.10	6.98	6.38	6.09
Other Service Charges	1.36	2.37	2.56	2.92	3.52	2.80	6.33	2.94	2.78	2.79
Net Realized & Unrealized Capital Gains on Investments	0.00	2.43	2.51	3.30	1.84	4.80	-0.16	-0.63	0.75	0.04
Investment Banking Income	-	-	-	0.67	0.88	1.27	-0.07	1.10	-0.50	-0.28
Other Non-Interest Income	-	-	2.01	2.68	2.55	2.40	-	3.57	3.35	3.54
Provision for Credit Losses	0.60	0.46	1.84	2.22	10	0.47	4.44	2.02	1.27	4.07
Total Non-Interest Expense	17	30	37	51	59	55	66	65	64	64
Salaries and Employee Benefits	11	17	21	29	34	34	40	41	39	40
Net Occupancy & Equipment Expense	3.53	7.96	8.07	14	15	13	15	15	16	16
Other Operating Expenses	2.82	5.14	7.16	9.15	9.27	8.42	10	8.90	9.28	7.17
Income Tax Expense	4.44	8.89	6.00	6.37	4.50	7.79	8.71	11	8.51	8.69
Basic Earnings per Share	$1.10	$0.81	$1.50	$1.47	$1.15	$1.90	$1.81	$2.27	$2.10	$2.18
Weighted Average Basic Shares Outstanding	5.44M	6.52M	9.69M	11.76M	11.97M	10.88M	13.12M	12.07M	11.26M	10.99M
Diluted Earnings per Share	$1.09	$0.81	$1.50	$1.47	$1.15	$1.90	$1.81	$2.27	$2.10	$2.18
Weighted Average Diluted Shares Outstanding	5.45M	6.52M	9.69M	11.76M	11.97M	10.88M	13.12M	12.07M	11.26M	10.99M
Weighted Average Basic & Diluted Shares Outstanding	-	-	10.89M	-	11.24M	13.69M	12.46M	11.47M	11.13M	10.91M
Cash Dividends to Common per Share	-	-	-	-	-	-	$0.20	$0.40	$0.45	$0.90

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Income / (Loss) Attributable to Common Shareholders	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Consolidated Net Income / (Loss)	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Net Income / (Loss) Continuing Operations	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Total Pre-Tax Income	9.27	8.80	8.15	7.60	8.29	8.09	7.69	8.72	6.74	9.47	11
Total Revenue	26	26	24	24	26	24	24	25	26	26	27
Net Interest Income / (Expense)	25	24	22	22	23	24	23	23	23	25	25
Total Interest Income	33	32	32	32	33	34	33	33	35	34	35
Loans and Leases Interest Income	27	26	26	25	26	28	27	28	29	30	30
Investment Securities Interest Income	1.85	2.10	2.10	2.33	2.54	2.60	2.60	2.55	2.46	2.37	2.25
Federal Funds Sold and Securities Borrowed Interest Income	-	-	-	-	-	-	2.65	-	-	-	2.14
Total Interest Expense	8.02	8.66	9.34	10	11	11	9.77	10	12	9.34	9.35
Deposits Interest Expense	6.91	7.55	8.23	9.00	9.45	9.46	8.68	9.21	9.78	9.15	8.96
Short-Term Borrowings Interest Expense	0.22	0.22	0.22	0.22	0.22	0.21	0.19	0.19	0.19	0.19	0.39
Long-Term Debt Interest Expense	0.90	0.90	0.89	0.89	0.89	0.89	0.89	0.89	1.57	-	0.00
Total Non-Interest Income	1.65	2.68	2.06	1.48	2.75	0.09	1.44	1.51	2.25	0.89	1.55
Other Service Charges	0.70	0.74	0.68	0.71	0.68	0.70	1.61	0.77	0.68	0.68	1.28
Net Realized & Unrealized Capital Gains on Investments	-0.25	0.95	0.57	-0.03	1.42	-1.21	-0.17	0.06	0.77	-0.74	0.27
Provision for Credit Losses	0.67	2.33	0.25	0.17	1.25	-0.40	0.64	0.20	2.97	0.25	-0.67
Total Non-Interest Expense	17	15	16	16	16	16	16	16	16	16	17
Salaries and Employee Benefits	10	8.94	10	9.64	9.57	9.66	9.94	9.73	10	10	11
Net Occupancy & Equipment Expense	3.91	3.79	3.91	3.78	4.18	4.08	3.99	4.10	4.18	4.19	4.17
Other Operating Expenses	2.33	2.35	2.13	2.59	2.32	2.24	2.07	1.93	1.60	1.58	1.49
Income Tax Expense	2.64	2.41	2.27	2.00	2.27	1.97	1.99	2.35	1.73	2.62	2.73
Basic Earnings per Share	$0.56	$0.55	$0.51	$0.50	$0.54	$0.55	$0.51	$0.58	$0.46	$0.63	$0.75
Weighted Average Basic Shares Outstanding	11.81M	12.07M	11.53M	11.25M	11.15M	11.26M	11.14M	11.00M	10.93M	10.99M	10.91M
Diluted Earnings per Share	$0.56	$0.55	$0.51	$0.50	$0.54	$0.55	$0.51	$0.58	$0.46	$0.63	$0.75
Weighted Average Diluted Shares Outstanding	11.81M	12.07M	11.53M	11.25M	11.15M	11.26M	11.14M	11.00M	10.93M	10.99M	10.91M
Weighted Average Basic & Diluted Shares Outstanding	11.55M	11.47M	11.25M	11.16M	11.12M	11.13M	11.01M	10.92M	10.90M	10.91M	10.91M
Cash Dividends to Common per Share	$0.10	-	$0.10	$0.10	$0.10	-	$0.15	$0.20	$0.25	-	$0.30

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

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Net Change in Cash & Equivalents	21	121	74	-28	3.95	80	-203	131	56	-158
Net Cash From Operating Activities	6.32	9.33	6.24	6.96	10.00	10	40	31	30	32
Net Cash From Continuing Operating Activities	6.32	9.33	6.24	6.96	10.00	10	40	31	30	32
Net Income / (Loss) Continuing Operations	5.91	5.26	14	17	14	21	24	27	24	24
Consolidated Net Income / (Loss)	5.91	5.26	14	17	14	21	24	27	24	24
Provision For Loan Losses	0.60	0.46	1.84	2.22	10	0.47	4.44	2.02	1.27	4.07
Depreciation Expense	0.50	0.76	0.94	1.21	1.86	2.04	1.98	1.68	2.05	2.04
Amortization Expense	0.59	1.22	1.61	2.13	2.52	2.31	2.64	0.83	1.37	2.35
Non-Cash Adjustments to Reconcile Net Income	-1.59	-5.97	-12	-21	-15	-13	7.95	2.80	1.25	0.92
Changes in Operating Assets and Liabilities, net	0.31	7.59	-0.29	5.15	-3.56	-1.71	-0.75	-3.95	0.82	-1.49
Net Cash From Investing Activities	-33	90	-11	0.93	-74	-60	54	80	-62	-91
Net Cash From Continuing Investing Activities	-33	90	-11	0.93	-74	-60	54	80	-62	-91
Purchase of Property, Leasehold Improvements and Equipment	-0.21	-0.37	-1.01	-1.40	-3.22	-1.31	-0.84	-2.12	-1.70	-1.75
Purchase of Investment Securities	-0.16	-6.76	-55	14	-113	-95	-44	-44	-136	-45
Sale and/or Maturity of Investments	11	97	41	37	43	36	12	13	29	41
Other Investing Activities, net	-44	0.30	4.27	-48	-	-	68	114	46	-85
Net Cash From Financing Activities	47	21	79	-36	68	130	-296	20	88	-99
Net Cash From Continuing Financing Activities	47	21	79	-36	68	130	-296	20	88	-99
Net Change in Deposits	47	31	18	-25	19	147	-276	47	101	-20
Repayment of Debt	0.00	-16	-6.00	0.00	-113	-5.00	0.00	0.00	-0.32	-65
Repurchase of Common Equity	-0.90	-	0.00	-11	-18	-12	-18	-24	-9.25	-6.91
Payment of Dividends	-	-	-	-	0.00	0.00	-2.02	-3.64	-3.38	-6.60
Cash Interest Paid	3.06	4.18	4.94	7.45	9.21	9.01	10	27	41	41
Cash Income Taxes Paid	-	-	5.40	5.05	8.07	7.10	7.65	12	6.50	8.51

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

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
Net Change in Cash & Equivalents	52	5.61	41	43	-90	63	-107	35	-63	-22	99
Net Cash From Operating Activities	2.60	8.41	5.08	7.67	9.62	7.99	9.28	6.37	7.35	8.84	6.99
Net Cash From Continuing Operating Activities	2.60	8.41	5.08	7.67	9.62	7.99	9.28	6.37	7.35	8.84	6.99
Net Income / (Loss) Continuing Operations	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Consolidated Net Income / (Loss)	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Provision For Loan Losses	0.67	2.33	0.25	0.17	1.25	-0.40	0.64	0.20	2.97	0.25	-0.67
Depreciation Expense	0.38	0.41	0.49	0.52	0.53	0.51	0.47	0.50	1.49	-0.42	0.49
Amortization Expense	0.37	-0.53	0.30	0.33	0.26	0.35	0.41	0.18	0.45	1.33	-0.19
Non-Cash Adjustments to Reconcile Net Income	-1.42	1.37	1.49	1.19	0.02	-1.32	1.74	0.25	0.05	-1.14	3.18
Changes in Operating Assets and Liabilities, net	-4.04	-1.57	-3.33	-0.14	1.55	2.73	0.31	-1.12	-2.64	1.96	-4.00
Net Cash From Investing Activities	42	28	31	8.39	-59	-43	-8.61	-25	-44	-13	47
Net Cash From Continuing Investing Activities	42	28	31	8.39	-59	-43	-8.61	-25	-44	-13	47
Purchase of Property, Leasehold Improvements and Equipment	-0.53	-1.42	-1.14	-0.25	-0.26	-0.06	-0.14	-0.75	-1.12	0.26	-0.30
Purchase of Investment Securities	-3.96	-37	-7.14	-55	-12	-97	-7.55	-17	-12	-8.49	-23
Sale and/or Maturity of Investments	-6.90	5.74	3.27	64	-47	8.49	4.08	12	8.49	16	11
Other Investing Activities, net	-	60	36	-	-	46	-4.99	-20	-40	-21	59
Net Cash From Financing Activities	6.66	-30	4.69	27	-41	98	-108	54	-26	-18	45
Net Cash From Continuing Financing Activities	6.66	-30	4.69	27	-41	98	-108	54	-26	-18	45
Net Change in Deposits	12	-27	10	32	-39	98	-105	58	41	-14	52
Repayment of Debt	-	-	-0.32	-	-	-	0.00	-	-65	-	-3.09
Repurchase of Common Equity	-4.52	-2.44	-4.00	-4.13	-1.08	-0.03	-1.31	-3.88	-0.91	-0.81	0.00
Payment of Dividends	-1.20	-1.18	-1.16	-1.16	-1.12	0.06	-1.67	-	-2.20	-2.73	-3.27
Cash Interest Paid	8.25	8.13	9.67	9.25	11	11	11	9.47	12	8.34	9.12

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

Metric	2017	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2017	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
Total Assets	1,246	1,994	2,196	2,351	2,513	2,552	2,665	2,594
Cash and Due from Banks	15	23	30	21	27	18	23	27
Federal Funds Sold	235	272	270	359	150	290	341	180
Trading Account Securities	41	120	116	174	168	176	206	192
Loans and Leases, Net of Allowance	0.00	-0.45	0.00	0.00	0.00	1,906	1,935	2,045
Loans Held for Sale	3.25	2.23	8.66	6.47	2,005	0.00	2.22	1.32
Premises and Equipment, Net	8.40	11	15	14	13	14	13	13
Goodwill	10	35	39	39	39	39	39	39
Intangible Assets	4.77	9.19	8.30	6.49	5.20	3.92	2.69	1.75
Other Assets	927	1,520	1,702	1,727	105	105	102	95
Total Liabilities & Shareholders' Equity	1,246	1,994	2,196	2,351	2,513	2,552	2,665	2,594
Total Liabilities	1,127	1,740	1,943	2,088	2,196	2,239	2,340	2,255
Non-Interest Bearing Deposits	1,104	1,701	1,838	1,985	2,085	2,133	2,234	2,214
Long-Term Debt	11	8.24	72	72	72	72	72	8.73
Other Long-Term Liabilities	4.05	31	28	31	39	34	34	33
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	119	254	253	263	317	313	324	339
Total Preferred & Common Equity	119	254	253	263	317	313	324	339
Preferred Stock	0.00	-	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	119	254	253	263	317	313	324	339
Common Stock	82	184	168	157	205	181	173	166
Retained Earnings	37	69	82	103	124	146	165	179
Accumulated Other Comprehensive Income / (Loss)	0.21	1.25	2.70	2.17	-12	-15	-13	-6.63

This table presents Bay Commercial Bank'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 2022	Q1 2023	Q2 2023	Q3 2023	Q1 2024	Q2 2024	Q3 2024	Q1 2025	Q2 2025	Q3 2025	Q1 2026
Period end date	9/30/2022	3/31/2023	6/30/2023	9/30/2023	3/31/2024	6/30/2024	9/30/2024	3/31/2025	6/30/2025	9/30/2025	3/31/2026
Total Assets	2,534	2,548	2,567	2,574	2,561	2,594	2,562	2,564	2,622	2,604	2,649
Cash and Due from Banks	32	29	37	30	20	23	26	21	22	22	19
Federal Funds Sold	192	169	214	271	328	368	276	236	270	207	287
Trading Account Securities	167	165	158	157	181	196	208	205	198	201	202
Loans and Leases, Net of Allowance	0.00	0.00	1,994	1,949	1,868	1,845	1,894	1,948	1,982	2,022	1,991
Loans Held for Sale	3.49	0.00	0.00	1.27	1.68	-	2.25	0.28	0.00	0.42	0.13
Premises and Equipment, Net	14	13	13	13	14	14	14	13	14	14	13
Goodwill	39	39	39	39	39	39	39	39	39	39	39
Intangible Assets	5.72	4.83	4.53	4.22	3.61	3.30	3.00	2.43	2.19	1.95	1.63
Other Assets	2,078	2,126	106	106	104	104	101	99	97	98	96
Total Liabilities & Shareholders' Equity	2,534	2,548	2,567	2,574	2,561	2,594	2,562	2,564	2,622	2,604	2,649
Total Liabilities	2,220	2,235	2,260	2,267	2,246	2,279	2,241	2,234	2,292	2,270	2,305
Non-Interest Bearing Deposits	2,115	2,128	2,147	2,159	2,143	2,175	2,136	2,129	2,187	2,228	2,265
Long-Term Debt	72	72	72	72	72	72	72	72	73	8.71	5.87
Other Long-Term Liabilities	33	35	41	35	31	31	32	33	33	33	33
Commitments & Contingencies	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Equity & Noncontrolling Interests	314	313	307	307	314	315	322	329	331	334	344
Total Preferred & Common Equity	314	313	307	307	314	315	322	329	331	334	344
Preferred Stock	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Total Common Equity	314	313	307	307	314	315	322	329	331	334	344
Common Stock	209	197	188	183	177	173	172	171	168	167	166
Retained Earnings	117	130	136	141	151	155	160	169	173	175	184
Accumulated Other Comprehensive Income / (Loss)	-12	-13	-16	-17	-14	-14	-11	-11	-10	-7.96	-6.29

This table displays calculated financial ratios and metrics derived from Bay Commercial Bank's official financial filings.

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Period end date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025
DEI Shares Outstanding	0.00	0.00	10,869,275.00	12,937,419.00	11,833,115.00	10,685,511.00	-	-	-	10,897,763.00
DEI Adjusted Shares Outstanding	0.00	0.00	10,869,275.00	12,937,419.00	11,833,115.00	10,685,511.00	-	-	-	10,897,763.00
DEI Earnings Per Adjusted Shares Outstanding	0.00	0.00	1.33	1.34	1.16	1.94	-	-	-	2.20
Growth Metrics	-	-	-	-	-	-	-	-	-	-
Revenue Growth	0.00%	60.29%	31.89%	31.15%	12.52%	-3.44%	22.29%	1.98%	-6.99%	3.10%
EBITDA Growth	0.00%	41.07%	42.81%	17.33%	-16.33%	45.20%	12.83%	9.54%	-12.65%	4.17%
EBIT Growth	0.00%	36.73%	44.81%	15.63%	-23.06%	56.23%	13.90%	17.63%	-15.82%	1.55%
NOPAT Growth	0.00%	-11.03%	175.53%	19.49%	-20.74%	50.74%	14.69%	15.57%	-13.90%	1.34%
Net Income Growth	0.00%	-11.03%	175.53%	19.49%	-20.74%	50.74%	14.69%	15.57%	-13.90%	1.34%
EPS Growth	0.00%	-25.69%	85.19%	-2.00%	-21.77%	65.22%	-4.74%	25.41%	-7.49%	3.81%
Operating Cash Flow Growth	0.00%	47.64%	-33.14%	11.53%	43.72%	4.32%	279.83%	-22.24%	-1.44%	4.86%
Free Cash Flow Firm Growth	0.00%	0.00%	215.83%	-269.63%	78.34%	129.05%	-301.39%	201.26%	-61.27%	502.51%
Invested Capital Growth	0.00%	0.00%	-100.00%	0.00%	25.46%	1.60%	16.38%	-1.03%	2.97%	-12.47%
Revenue Q/Q Growth	0.00%	0.00%	3.64%	0.00%	0.00%	0.48%	5.77%	-1.11%	-2.54%	2.27%
EBITDA Q/Q Growth	0.00%	0.00%	-4.28%	595.73%	453.99%	5.56%	8.95%	-6.65%	-1.72%	3.77%
EBIT Q/Q Growth	0.00%	0.00%	-8.53%	0.00%	0.00%	7.46%	9.94%	-4.14%	-2.18%	4.44%
NOPAT Q/Q Growth	0.00%	0.00%	31.32%	0.00%	0.00%	4.54%	10.14%	-4.28%	-1.16%	3.18%
Net Income Q/Q Growth	0.00%	0.00%	31.32%	0.00%	0.00%	4.54%	10.14%	-4.28%	-1.16%	3.18%
EPS Q/Q Growth	0.00%	0.00%	29.31%	0.00%	0.00%	6.15%	5.23%	-1.73%	0.00%	3.81%
Operating Cash Flow Q/Q Growth	0.00%	0.00%	-27.88%	-29.45%	29.29%	12.98%	37.57%	-19.47%	-1.37%	2.74%
Free Cash Flow Firm Q/Q Growth	0.00%	0.00%	0.00%	-428.69%	39.58%	-44.18%	13.33%	-11.51%	27.76%	-1.10%
Invested Capital Q/Q Growth	0.00%	0.00%	-100.00%	5.36%	-2.29%	1.64%	0.73%	1.49%	0.70%	1.26%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	40.97%	36.06%	39.04%	34.93%	25.97%	39.05%	36.04%	38.71%	36.35%	36.81%
EBIT Margin	37.08%	31.63%	34.73%	30.62%	20.94%	33.87%	31.55%	36.39%	32.94%	32.44%
Profit (Net Income) Margin	21.18%	11.76%	24.56%	22.38%	15.76%	24.61%	23.08%	26.16%	24.22%	23.80%
Tax Burden Percent	57.13%	37.18%	70.74%	73.10%	75.30%	72.65%	73.15%	71.87%	73.52%	73.37%
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	42.87%	62.82%	29.26%	26.90%	24.70%	27.35%	26.85%	28.13%	26.48%	26.63%
Return on Invested Capital (ROIC)	0.00%	8.09%	22.29%	13.20%	4.64%	6.23%	6.56%	7.08%	6.04%	6.43%
ROIC Less NNEP Spread (ROIC-NNEP)	0.00%	8.09%	22.29%	13.20%	4.64%	6.23%	6.56%	7.08%	6.04%	6.43%
Return on Net Nonoperating Assets (RNNOA)	0.00%	0.78%	2.14%	0.43%	0.78%	1.80%	1.63%	1.63%	1.37%	0.79%
Return on Equity (ROE)	0.00%	8.87%	24.43%	13.62%	5.42%	8.03%	8.19%	8.71%	7.41%	7.22%
Cash Return on Invested Capital (CROIC)	0.00%	-191.91%	222.29%	-186.80%	-17.95%	4.65%	-8.58%	8.12%	3.12%	19.73%
Operating Return on Assets (OROA)	0.00%	1.14%	3.29%	2.38%	0.87%	1.25%	1.33%	1.51%	1.23%	1.24%
Return on Assets (ROA)	0.00%	0.42%	2.33%	1.74%	0.66%	0.91%	0.98%	1.08%	0.91%	0.91%
Return on Common Equity (ROCE)	0.00%	8.87%	24.43%	13.62%	5.42%	8.03%	8.19%	8.71%	7.41%	7.22%
Return on Equity Simple (ROE_SIMPLE)	0.00%	4.43%	0.00%	6.81%	5.43%	7.88%	7.48%	8.77%	7.28%	7.07%
Net Operating Profit after Tax (NOPAT)	5.91	5.26	14	17	14	21	24	27	24	24
NOPAT Margin	21.18%	11.76%	24.56%	22.38%	15.76%	24.61%	23.08%	26.16%	24.22%	23.80%
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	50.68%	55.84%	50.02%	54.69%	56.57%	55.56%	54.30%	53.20%	56.25%	56.38%
Operating Expenses to Revenue	60.78%	67.34%	62.15%	66.51%	67.21%	65.57%	64.13%	61.69%	65.77%	63.51%
Earnings before Interest and Taxes (EBIT)	10	14	20	24	18	28	32	38	32	33
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	11	16	23	27	23	33	37	41	35	37
Valuation Ratios	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.00	0.24	0.00	1.11	0.68	0.73	0.74	0.84	0.91	0.94
Price to Tangible Book Value (P/TBV)	0.00	0.28	0.00	1.34	0.83	0.88	0.86	0.98	1.05	1.06
Price to Revenue (P/Rev)	1.04	0.65	4.06	3.63	1.97	2.28	2.28	2.52	3.04	3.15
Price to Earnings (P/E)	4.91	5.51	16.54	16.22	12.49	9.25	9.87	9.64	12.57	13.25
Dividend Yield	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	1.11%	1.75%	2.06%	3.09%
Earnings Yield	20.39%	18.14%	6.05%	6.16%	8.01%	10.81%	10.14%	10.38%	7.96%	7.55%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.00	0.00	0.00	0.00	0.00	0.33	0.07	0.01	0.34
Enterprise Value to Revenue (EV/Rev)	0.00	0.00	4.06	0.00	0.00	0.00	1.24	0.27	0.05	1.19
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.00	10.41	0.00	0.00	0.00	3.43	0.69	0.14	3.22
Enterprise Value to EBIT (EV/EBIT)	0.00	0.00	11.70	0.00	0.00	0.00	3.92	0.73	0.15	3.66
Enterprise Value to NOPAT (EV/NOPAT)	0.00	0.00	16.54	0.00	0.00	0.00	5.36	1.02	0.20	4.98
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.00	38.43	0.00	0.00	0.00	3.21	0.91	0.16	3.75
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.00	1.66	0.00	0.00	0.00	0.00	0.89	0.40	1.63
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.00	0.10	0.00	0.03	0.30	0.27	0.23	0.23	0.22	0.03
Long-Term Debt to Equity	0.00	0.10	0.00	0.03	0.28	0.27	0.23	0.23	0.22	0.03
Financial Leverage	0.00	0.10	0.10	0.03	0.17	0.29	0.25	0.23	0.23	0.12
Leverage Ratio	0.00	10.50	10.50	7.84	8.27	8.82	8.39	8.04	8.19	7.93
Compound Leverage Factor	0.00	10.50	10.50	7.84	8.27	8.82	8.39	8.04	8.19	7.93
Debt to Total Capital	0.00%	8.76%	0.00%	3.14%	23.29%	21.50%	18.54%	18.80%	18.24%	2.51%
Short-Term Debt to Total Capital	0.00%	0.00%	0.00%	0.00%	1.52%	0.00%	0.00%	0.00%	0.00%	0.00%
Long-Term Debt to Total Capital	0.00%	8.76%	0.00%	3.14%	21.77%	21.50%	18.54%	18.80%	18.24%	2.51%
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	0.00%	91.24%	0.00%	96.86%	76.71%	78.50%	81.46%	81.20%	81.76%	97.49%
Debt to EBITDA	0.00	0.71	0.00	0.30	3.39	2.19	1.95	1.79	2.04	0.24
Net Debt to EBITDA	0.00	-14.89	0.00	-10.69	-10.19	-9.48	-2.88	-5.82	-8.23	-5.34
Long-Term Debt to EBITDA	0.00	0.71	0.00	0.30	3.17	2.19	1.95	1.79	2.04	0.24
Debt to NOPAT	0.00	2.16	0.00	0.48	5.59	3.48	3.04	2.64	3.07	0.36
Net Debt to NOPAT	0.00	-45.67	0.00	-16.68	-16.78	-15.05	-4.50	-8.62	-12.36	-8.26
Long-Term Debt to NOPAT	0.00	2.16	0.00	0.48	5.22	3.48	3.04	2.64	3.07	0.36
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)	0.00	-125	145	-245	-53	15	-31	31	12	73
Operating Cash Flow to CapEx	2,952.34%	2,534.78%	615.70%	497.21%	310.95%	796.72%	4,698.93%	1,450.87%	1,784.66%	1,823.08%
Free Cash Flow to Firm to Interest Expense	0.00	-28.93	29.24	-28.07	-5.97	1.75	-3.00	1.11	0.30	1.79
Operating Cash Flow to Interest Expense	2.06	2.16	1.26	0.80	1.12	1.18	3.83	1.08	0.75	0.78
Operating Cash Flow Less CapEx to Interest Expense	1.99	2.08	1.06	0.64	0.76	1.04	3.75	1.01	0.71	0.73
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.00	0.04	0.09	0.08	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	0.00	5.33	0.00	0.00	6.78	5.70	7.44	7.76	7.19	7.56
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-
Invested Capital	0.00	130	0.00	262	329	335	389	385	397	347
Invested Capital Turnover	0.00	0.69	0.91	0.59	0.29	0.25	0.28	0.27	0.25	0.27
Increase / (Decrease) in Invested Capital	0.00	130	-130	262	67	5.27	55	-4.03	11	-49
Enterprise Value (EV)	0.00	-211	240	-7.90	-59	-120	127	28	4.82	119
Market Capitalization	29	29	240	281	171	191	234	264	297	317
Book Value per Share	$0.00	$18.19	$0.00	$19.65	$21.35	$24.58	$24.42	$27.09	$29.17	$31.07
Tangible Book Value per Share	$0.00	$15.87	$0.00	$16.20	$17.36	$20.33	$21.03	$23.38	$25.43	$27.34
Total Capital	0.00	130	0.00	262	329	335	389	385	397	347
Total Debt	0.00	11	0.00	8.24	77	72	72	72	72	8.73
Total Long-Term Debt	0.00	11	0.00	8.24	72	72	72	72	72	8.73
Net Debt	0.00	-240	0.00	-289	-230	-311	-107	-236	-292	-198
Capital Expenditures (CapEx)	0.21	0.37	1.01	1.40	3.22	1.31	0.84	2.12	1.70	1.75
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)	0.00	11	0.00	8.24	77	72	72	72	72	8.73
Total Depreciation and Amortization (D&A)	1.09	1.98	2.55	3.34	4.39	4.36	4.61	2.43	3.33	4.40
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$1.10	$0.81	$1.50	$0.00	$1.15	$1.90	$0.00	$2.27	$2.10	$2.18
Adjusted Weighted Average Basic Shares Outstanding	5.44M	6.52M	9.69M	0.00	11.97M	10.88M	0.00	12.07M	11.26M	10.99M
Adjusted Diluted Earnings per Share	$1.09	$0.81	$1.50	$0.00	$1.15	$1.90	$0.00	$2.27	$2.10	$2.18
Adjusted Weighted Average Diluted Shares Outstanding	5.45M	6.52M	9.69M	0.00	11.97M	10.88M	0.00	12.07M	11.26M	10.99M
Adjusted Basic & Diluted Earnings per Share	$1.10	$0.81	$1.50	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	0.00	0.00	10.89M	0.00	11.24M	13.69M	0.00	11.47M	11.13M	10.91M
Normalized Net Operating Profit after Tax (NOPAT)	5.91	9.90	14	17	14	21	24	27	24	24
Normalized NOPAT Margin	21.18%	22.14%	24.56%	22.38%	15.76%	24.61%	23.08%	26.16%	24.22%	23.80%
Pre Tax Income Margin	37.08%	31.63%	34.73%	30.62%	20.94%	33.87%	31.55%	36.39%	32.94%	32.44%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	3.37	3.28	4.15	2.71	2.05	3.24	3.13	1.34	0.79	0.80
NOPAT to Interest Expense	1.92	1.22	2.93	1.98	1.54	2.35	2.29	0.96	0.58	0.58
EBIT Less CapEx to Interest Expense	3.30	3.20	3.94	2.55	1.69	3.09	3.05	1.27	0.75	0.75
NOPAT Less CapEx to Interest Expense	1.85	1.13	2.73	1.82	1.18	2.20	2.21	0.89	0.54	0.54
Payout Ratios	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	8.51%	13.26%	14.29%	27.58%
Augmented Payout Ratio	15.24%	0.00%	0.00%	63.27%	133.01%	55.83%	84.19%	101.19%	53.45%	56.45%

This table displays calculated financial ratios and metrics derived from Bay Commercial Bank's official financial filings.

Metric	Q3 2023	Q4 2023	Q1 2024	Q2 2024	Q3 2024	Q4 2024	Q1 2025	Q2 2025	Q3 2025	Q4 2025	Q1 2026
Period end date	9/30/2023	12/31/2023	3/31/2024	6/30/2024	9/30/2024	12/31/2024	3/31/2025	6/30/2025	9/30/2025	12/31/2025	3/31/2026
DEI Shares Outstanding	-	-	-	-	-	-	11,130,147.00	11,006,943.00	10,923,724.00	10,897,763.00	10,909,317.00
DEI Adjusted Shares Outstanding	-	-	-	-	-	-	11,130,147.00	11,006,943.00	10,923,724.00	10,897,763.00	10,909,317.00
DEI Earnings Per Adjusted Shares Outstanding	-	-	-	-	-	-	0.51	0.58	0.46	0.63	0.75
Growth Metrics	-	-	-	-	-	-	-	-	-	-	-
Revenue Growth	-2.38%	-4.28%	-8.76%	-6.26%	-3.22%	-9.70%	-0.61%	3.76%	0.18%	9.42%	9.95%
EBITDA Growth	-8.70%	-24.98%	-18.00%	-22.64%	-9.46%	2.96%	-4.11%	13.12%	-5.28%	13.87%	30.67%
EBIT Growth	-5.57%	-15.76%	-18.65%	-24.58%	-10.56%	-8.13%	-5.61%	14.76%	-18.73%	17.14%	41.83%
NOPAT Growth	-4.88%	-16.08%	-18.27%	-22.29%	-9.25%	-4.35%	-2.98%	13.64%	-16.79%	12.06%	43.46%
Net Income Growth	-4.88%	-16.08%	-18.27%	-22.29%	-9.25%	-4.35%	-2.98%	13.64%	-16.79%	12.06%	43.46%
EPS Growth	7.69%	-6.78%	-10.53%	-15.25%	-3.57%	0.00%	0.00%	16.00%	-14.81%	14.55%	47.06%
Operating Cash Flow Growth	-78.75%	-46.97%	-37.92%	-33.90%	269.35%	-5.01%	82.57%	-16.95%	-23.63%	10.64%	-24.64%
Free Cash Flow Firm Growth	126.82%	122.11%	-71.43%	-112.62%	-161.67%	-150.94%	-286.37%	-255.01%	771.85%	1,160.34%	722.79%
Invested Capital Growth	-1.78%	-1.03%	0.18%	2.16%	3.78%	2.97%	3.97%	4.01%	-12.95%	-12.47%	-12.92%
Revenue Q/Q Growth	4.32%	-0.98%	-6.62%	-2.82%	7.70%	-7.61%	2.79%	1.45%	3.99%	0.91%	3.29%
EBITDA Q/Q Growth	-8.17%	-13.33%	-6.15%	-5.91%	7.47%	-1.44%	-6.02%	9.76%	-7.49%	19.60%	7.85%
EBIT Q/Q Growth	-7.94%	-5.03%	-7.47%	-6.76%	9.16%	-2.45%	-4.93%	13.36%	-22.69%	40.61%	15.10%
NOPAT Q/Q Growth	-7.99%	-3.50%	-8.14%	-4.71%	7.45%	1.71%	-6.83%	11.61%	-21.32%	36.97%	19.28%
Net Income Q/Q Growth	-7.99%	-3.50%	-8.14%	-4.71%	7.45%	1.71%	-6.83%	11.61%	-21.32%	36.97%	19.28%
EPS Q/Q Growth	-5.08%	-1.79%	-7.27%	-1.96%	8.00%	1.85%	-7.27%	13.73%	-20.69%	36.96%	19.05%
Operating Cash Flow Q/Q Growth	-77.55%	222.93%	-39.55%	50.86%	25.43%	-16.95%	16.17%	-31.38%	15.34%	20.33%	-20.88%
Free Cash Flow Firm Q/Q Growth	-34.02%	-22.89%	-50.34%	-149.96%	-222.38%	36.31%	-81.66%	4.83%	710.10%	0.52%	6.70%
Invested Capital Q/Q Growth	0.08%	1.49%	0.29%	0.28%	1.67%	0.70%	1.27%	0.32%	-14.91%	1.26%	0.74%
Profitability Metrics	-	-	-	-	-	-	-	-	-	-	-
EBITDA Margin	37.89%	33.16%	36.69%	35.52%	35.45%	37.81%	35.25%	38.05%	33.85%	40.12%	41.89%
EBIT Margin	35.03%	33.60%	33.29%	31.94%	32.37%	34.18%	31.62%	35.33%	26.26%	36.59%	40.78%
Profit (Net Income) Margin	25.05%	24.42%	24.02%	23.55%	23.49%	25.87%	23.45%	25.79%	19.52%	26.49%	30.59%
Tax Burden Percent	71.52%	72.67%	72.15%	73.73%	72.57%	75.67%	74.16%	73.02%	74.31%	72.39%	75.01%
Interest Burden Percent	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Effective Tax Rate	28.48%	27.33%	27.85%	26.27%	27.43%	24.33%	25.84%	26.98%	25.69%	27.61%	24.99%
Return on Invested Capital (ROIC)	6.93%	6.61%	6.38%	6.20%	6.08%	6.45%	5.79%	6.41%	5.21%	7.16%	8.38%
ROIC Less NNEP Spread (ROIC-NNEP)	6.93%	6.61%	6.38%	6.20%	6.08%	6.45%	5.79%	6.41%	5.21%	7.16%	8.38%
Return on Net Nonoperating Assets (RNNOA)	1.61%	1.52%	1.47%	1.44%	1.40%	1.47%	1.30%	1.44%	0.64%	0.88%	0.97%
Return on Equity (ROE)	8.55%	8.13%	7.84%	7.64%	7.48%	7.92%	7.09%	7.85%	5.85%	8.03%	9.36%
Cash Return on Invested Capital (CROIC)	9.28%	8.12%	6.58%	4.26%	2.47%	3.12%	2.05%	2.19%	20.14%	19.73%	20.84%
Operating Return on Assets (OROA)	1.45%	1.39%	1.34%	1.25%	1.26%	1.28%	1.20%	1.33%	1.00%	1.40%	1.61%
Return on Assets (ROA)	1.04%	1.01%	0.96%	0.92%	0.92%	0.97%	0.89%	0.97%	0.74%	1.01%	1.21%
Return on Common Equity (ROCE)	8.55%	8.13%	7.84%	7.64%	7.48%	7.92%	7.09%	7.85%	5.85%	8.03%	9.36%
Return on Equity Simple (ROE_SIMPLE)	9.32%	0.00%	8.31%	7.77%	7.43%	0.00%	7.12%	7.32%	6.94%	0.00%	7.68%
Net Operating Profit after Tax (NOPAT)	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
NOPAT Margin	25.05%	24.42%	24.02%	23.55%	23.49%	25.87%	23.45%	25.79%	19.52%	26.49%	30.59%
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%	0.00%
SG&A Expenses to Revenue	53.63%	48.57%	56.98%	56.46%	53.69%	58.05%	57.25%	56.03%	55.93%	56.33%	56.15%
Operating Expenses to Revenue	62.42%	57.52%	65.68%	67.34%	62.76%	67.52%	65.74%	63.85%	62.15%	62.44%	61.73%
Earnings before Interest and Taxes (EBIT)	9.27	8.80	8.15	7.60	8.29	8.09	7.69	8.72	6.74	9.47	11
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)	10	8.69	8.98	8.45	9.08	8.95	8.57	9.39	8.69	10	11
Valuation Ratios	-	-	-	-	-	-	-	-	-	-	-
Price to Book Value (P/BV)	0.72	0.84	0.75	0.73	0.82	0.91	0.82	0.92	0.94	0.94	0.94
Price to Tangible Book Value (P/TBV)	0.84	0.98	0.87	0.84	0.95	1.05	0.94	1.05	1.07	1.06	1.07
Price to Revenue (P/Rev)	2.09	2.52	2.29	2.27	2.64	3.04	2.78	3.10	3.19	3.15	3.15
Price to Earnings (P/E)	7.74	9.64	9.01	9.34	11.08	12.57	11.53	12.60	13.54	13.25	12.28
Dividend Yield	1.87%	1.75%	2.44%	2.46%	2.11%	2.06%	2.06%	2.17%	2.96%	3.09%	3.53%
Earnings Yield	12.91%	10.38%	11.10%	10.71%	9.03%	7.96%	8.67%	7.94%	7.39%	7.55%	8.14%
Enterprise Value to Invested Capital (EV/IC)	0.00	0.07	0.00	0.00	0.09	0.01	0.21	0.21	0.28	0.34	0.07
Enterprise Value to Revenue (EV/Rev)	0.00	0.27	0.00	0.00	0.35	0.05	0.89	0.87	0.96	1.19	0.24
Enterprise Value to EBITDA (EV/EBITDA)	0.00	0.69	0.00	0.00	0.97	0.14	2.45	2.38	2.64	3.22	0.61
Enterprise Value to EBIT (EV/EBIT)	0.00	0.73	0.00	0.00	1.07	0.15	2.72	2.62	3.02	3.66	0.68
Enterprise Value to NOPAT (EV/NOPAT)	0.00	1.02	0.00	0.00	1.47	0.20	3.68	3.55	4.07	4.98	0.92
Enterprise Value to Operating Cash Flow (EV/OCF)	0.00	0.91	0.00	0.00	1.14	0.16	2.49	2.58	3.04	3.75	0.82
Enterprise Value to Free Cash Flow (EV/FCFF)	0.00	0.89	0.00	0.00	3.69	0.40	10.66	9.92	1.27	1.63	0.31
Leverage & Solvency	-	-	-	-	-	-	-	-	-	-	-
Debt to Equity	0.24	0.23	0.23	0.23	0.22	0.22	0.22	0.22	0.03	0.03	0.02
Long-Term Debt to Equity	0.24	0.23	0.23	0.23	0.22	0.22	0.22	0.22	0.03	0.03	0.02
Financial Leverage	0.23	0.23	0.23	0.23	0.23	0.23	0.22	0.22	0.12	0.12	0.12
Leverage Ratio	8.22	8.04	8.14	8.29	8.17	8.19	7.96	8.08	7.88	7.93	7.74
Compound Leverage Factor	8.22	8.04	8.14	8.29	8.17	8.19	7.96	8.08	7.88	7.93	7.74
Debt to Total Capital	19.07%	18.80%	18.68%	18.65%	18.36%	18.24%	18.03%	17.99%	2.54%	2.51%	1.68%
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%	0.00%
Long-Term Debt to Total Capital	19.07%	18.80%	18.68%	18.65%	18.36%	18.24%	18.03%	17.99%	2.54%	2.51%	1.68%
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%	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%	0.00%
Common Equity to Total Capital	80.93%	81.20%	81.32%	81.35%	81.64%	81.76%	81.97%	82.01%	97.46%	97.49%	98.32%
Debt to EBITDA	1.66	1.79	1.83	1.95	2.01	2.04	2.06	2.01	0.24	0.24	0.15
Net Debt to EBITDA	-5.32	-5.82	-7.02	-8.64	-6.36	-8.23	-5.24	-6.06	-6.16	-5.34	-7.57
Long-Term Debt to EBITDA	1.66	1.79	1.83	1.95	2.01	2.04	2.06	2.01	0.24	0.24	0.15
Debt to NOPAT	2.53	2.64	2.76	2.95	3.03	3.07	3.09	3.00	0.38	0.36	0.22
Net Debt to NOPAT	-8.07	-8.62	-10.61	-13.05	-9.60	-12.36	-7.85	-9.05	-9.47	-8.26	-11.36
Long-Term Debt to NOPAT	2.53	2.64	2.76	2.95	3.03	3.07	3.09	3.00	0.38	0.36	0.22
Noncontrolling Interest Sharing Ratio	0.00%	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)	14	10	5.18	-2.59	-8.34	-5.31	-9.65	-9.18	56	56	60
Operating Cash Flow to CapEx	489.47%	592.18%	444.71%	3,129.80%	3,771.76%	13,772.41%	6,489.51%	850.20%	658.15%	0.00%	2,315.56%
Free Cash Flow to Firm to Interest Expense	1.69	1.20	0.55	-0.26	-0.79	-0.50	-0.99	-0.89	4.86	6.03	6.43
Operating Cash Flow to Interest Expense	0.32	0.97	0.54	0.76	0.91	0.76	0.95	0.62	0.64	0.95	0.75
Operating Cash Flow Less CapEx to Interest Expense	0.26	0.81	0.42	0.73	0.89	0.75	0.94	0.55	0.54	0.97	0.72
Efficiency Ratios	-	-	-	-	-	-	-	-	-	-	-
Asset Turnover	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04	0.04
Fixed Asset Turnover	7.81	7.76	7.49	7.45	7.35	7.19	7.05	7.09	7.19	7.56	7.83
Capital & Investment Metrics	-	-	-	-	-	-	-	-	-	-	-
Invested Capital	380	385	386	388	394	397	402	403	343	347	350
Invested Capital Turnover	0.28	0.27	0.27	0.26	0.26	0.25	0.25	0.25	0.27	0.27	0.27
Increase / (Decrease) in Invested Capital	-6.89	-4.03	0.70	8.19	14	11	15	16	-51	-49	-52
Enterprise Value (EV)	-9.44	28	-42	-91	35	4.82	86	86	94	119	24
Market Capitalization	222	264	235	229	265	297	270	305	314	317	324
Book Value per Share	$25.97	$27.09	$27.40	$28.03	$28.83	$29.17	$29.59	$30.03	$30.60	$31.07	$31.53
Tangible Book Value per Share	$22.33	$23.38	$23.70	$24.28	$25.08	$25.43	$25.88	$26.30	$26.87	$27.34	$27.82
Total Capital	380	385	386	388	394	397	402	403	343	347	350
Total Debt	72	72	72	72	72	72	72	73	8.71	8.73	5.87
Total Long-Term Debt	72	72	72	72	72	72	72	73	8.71	8.73	5.87
Net Debt	-231	-236	-277	-320	-229	-292	-184	-219	-220	-198	-300
Capital Expenditures (CapEx)	0.53	1.42	1.14	0.25	0.26	0.06	0.14	0.75	1.12	-0.26	0.30
Net Nonoperating Expense (NNE)	0.00	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	73	8.71	8.73	5.87
Total Depreciation and Amortization (D&A)	0.76	-0.11	0.83	0.85	0.79	0.86	0.88	0.67	1.95	0.91	0.30
Earnings Adjustments	-	-	-	-	-	-	-	-	-	-	-
Adjusted Basic Earnings per Share	$0.56	$0.55	$0.51	$0.50	$0.54	$0.55	$0.51	$0.58	$0.46	$0.63	$0.75
Adjusted Weighted Average Basic Shares Outstanding	11.81M	12.07M	11.53M	11.25M	11.15M	11.26M	11.14M	11.00M	10.93M	10.99M	10.91M
Adjusted Diluted Earnings per Share	$0.56	$0.55	$0.51	$0.50	$0.54	$0.55	$0.51	$0.58	$0.46	$0.63	$0.75
Adjusted Weighted Average Diluted Shares Outstanding	11.81M	12.07M	11.53M	11.25M	11.15M	11.26M	11.14M	11.00M	10.93M	10.99M	10.91M
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	$0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding	11.55M	11.47M	11.25M	11.16M	11.12M	11.13M	11.01M	10.92M	10.90M	10.91M	10.91M
Normalized Net Operating Profit after Tax (NOPAT)	6.63	6.40	5.88	5.60	6.02	6.12	5.70	6.36	5.01	6.86	8.18
Normalized NOPAT Margin	25.05%	24.42%	24.02%	23.55%	23.49%	25.87%	23.45%	25.79%	19.52%	26.49%	30.59%
Pre Tax Income Margin	35.03%	33.60%	33.29%	31.94%	32.37%	34.18%	31.62%	35.33%	26.26%	36.59%	40.78%
Debt Service Ratios	-	-	-	-	-	-	-	-	-	-	-
EBIT to Interest Expense	1.16	1.02	0.87	0.75	0.79	0.77	0.79	0.85	0.58	1.01	1.17
NOPAT to Interest Expense	0.83	0.74	0.63	0.55	0.57	0.58	0.58	0.62	0.43	0.73	0.87
EBIT Less CapEx to Interest Expense	1.09	0.85	0.75	0.73	0.76	0.76	0.77	0.77	0.49	1.04	1.13
NOPAT Less CapEx to Interest Expense	0.76	0.57	0.51	0.53	0.55	0.57	0.57	0.55	0.34	0.76	0.84
Payout Ratios	-	-	-	-	-	-	-	-	-	-	-
Dividend Payout Ratio	10.88%	13.26%	15.89%	19.12%	19.30%	14.29%	16.59%	11.28%	16.43%	27.58%	31.04%
Augmented Payout Ratio	101.94%	101.19%	92.66%	80.70%	68.07%	53.45%	44.55%	37.33%	42.86%	56.45%	52.26%

Financials Breakdown Chart

Key Financial Trends

BayCom Corp (NASDAQ: BCML) showed solid profitability in Q1 2026, but the quarter also highlighted a mix of strong liquidity, falling deposit balances, and some pressure on fee income and capital levels.

For the quarter ended March 31, 2026, BayCom reported net income of $8.2 million, up from $6.9 million in Q4 2025 and $5.7 million in Q1 2025. Earnings per share improved to $0.75 from $0.63 in the prior quarter and $0.51 a year ago. The bank also generated $7.0 million of operating cash flow, which supports the quality of earnings.

That said, the balance sheet showed some important shifts. Total assets rose to $2.65 billion from $2.60 billion a year earlier, while total equity increased modestly to $344.0 million from $329.3 million in Q1 2025. However, non-interest-bearing deposits fell to $2.27 billion from $2.28 billion in the prior quarter and from $2.13 billion in Q1 2025, and long-term debt remained relatively small at $5.9 million.

Across the last several years, BayCom has generally been a profitable regional bank with consistent quarterly earnings, but its results have been influenced by interest-rate swings, deposit volatility, and occasional ups and downs in non-interest income and credit provisioning. The latest quarter continues that pattern: core banking remains profitable, but the company is still managing balance-sheet mix and deposit trends carefully.

Net income improved year over year, rising to $8.2 million in Q1 2026 from $5.7 million in Q1 2025.
EPS expanded meaningfully to $0.75 from $0.51 a year earlier.
Operating cash flow remained strong at $7.0 million, indicating earnings are backed by cash generation.
Net interest income increased to $25.2 million from $22.9 million in Q1 2025.
Total assets grew to $2.65 billion, showing continued balance-sheet scale.
Non-interest income was modest at $1.5 million, meaning the bank still relies heavily on spread income.
Provision for credit losses was a benefit in the quarter, but the amount was small and may not be sustainable as a trend.
Equity increased only modestly, suggesting capital growth is steady but not especially fast.
Non-interest-bearing deposits slipped sequentially, which can pressure funding stability over time.
Other comprehensive loss remained negative at $6.3 million, reflecting mark-to-market pressure on the balance sheet.

Bottom line: BayCom remains profitable and cash-generative, with improving earnings in the latest quarter. The main areas investors should watch are deposit trends, the sustainability of net interest income, and whether non-interest income can become a larger contributor to results.

07/14/26 04:09 AM ETAI Generated. May Contain Errors.

Bay Commercial Bank Financials - Frequently Asked Questions

According to the most recent income statement we have on file, Bay Commercial Bank's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

Bay Commercial Bank's net income appears to be on an upward trend, with a most recent value of $23.93 million in 2025, rising from $5.91 million in 2016. The previous period was $23.61 million in 2024. Find out what analysts predict for Bay Commercial Bank in the coming months.

Over the last 9 years, Bay Commercial Bank's total revenue changed from $27.91 million in 2016 to $100.54 million in 2025, a change of 260.2%.

Bay Commercial Bank's total liabilities were at $2.26 billion at the end of 2025, a 3.6% decrease from 2024, and a 100.1% increase since 2017.

In the past 7 years, Bay Commercial Bank's cash and equivalents has ranged from $14.75 million in 2017 to $29.68 million in 2020, and is currently $26.79 million as of their latest financial filing in 2025.

Over the last 9 years, Bay Commercial Bank's book value per share changed from 0.00 in 2016 to 31.07 in 2025, a change of 3,106.6%.

Related Companies

Financial statements for NASDAQ:BCML last updated on 7/2/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.

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Bay Commercial Bank (BCML) Financials

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Bay Commercial Bank (BCML) Financials

Annual Income Statements for Bay Commercial Bank

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Quarterly Cash Flow Statements for Bay Commercial Bank

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Quarterly Balance Sheets for Bay Commercial Bank

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Quarterly Metrics And Ratios for Bay Commercial Bank

Financials Breakdown Chart

Key Financial Trends

Bay Commercial Bank Financials - Frequently Asked Questions

When does Bay Commercial Bank's fiscal year end?

How has Bay Commercial Bank's net income changed over the last 9 years?

How has Bay Commercial Bank's revenue changed over the last 9 years?

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How has Bay Commercial Bank's book value per share changed over the last 9 years?

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