BayCom Corp

BayCom Corp

BCMLยทNASDAQ

$30.61

-1.9%
Financial ServicesBanks - Regional

BayCom Corp operates as the bank holding company for United Business Bank that provides various financial services to small and mid-sized businesses, service professionals, and individuals. The company offers demand, savings, money market, and time deposit accounts. It also provides commercial and multifamily real estate loans, including owner-occupied and investor real estate loans; commercial and industrial loans, such as equipment loans and working capital lines of credit; small business administration loans; construction and land loans; agriculture-related loans; and consumer loans comprising installment loans, unsecured and secured personal lines of credit, and overdraft protection. In addition, the company offers online and mobile banking, automated teller machine, remote deposit capture, night depository, courier, direct deposit, treasury management, wire transfer, automated clearing house services, debit cards, cashier's and travelers checks, letters of credit, lockbox, positive pay, reverse positive pay, and account reconciliation services, as well as zero balance accounts and sweep accounts, including loan sweep. As of December 31, 2021, it operated through a network of 33 full-service banking branches in Northern and Southern California; Denver, Colorado; Custer, Delta, and Grand counties, Colorado; and Seattle, Washington and Central New Mexico. The company was formerly known as Bay Commercial Bank and changed its name to BayCom Corp in January 2017. BayCom Corp was incorporated in 2004 and is headquartered in Walnut Creek, California.

At a Glance

Live Snapshot
Market Cap$333.93M
EPS2.1800
P/E Ratio14.04
Earnings Date07/16/2026
3Y+27.0%
5Y+48.0%
10Y+357.0%
3Y+1.0%
5Y+74.0%
10Y+305.0%
3Y-20.0%
5Y+218.0%
10Y+404.0%
BayCom Corp

BayCom Corp Profit Bridge

BCML ยท NASDAQ
Revenue141.83M
Cost of Goods Sold (44.75M)
Gross Profit97.08M
Operating Expenses (64.21M)
Operating Income32.87M
Interest Expense (40.94M)
Other Income/Expense-250.00K
Pretax Income32.62M
Income Tax (8.69M)
Net Income23.93M
Net Income
23.93M

Profitability Analysis

Gross Margin

68.4%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

23.2%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

16.9%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

26.6%

Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

BayCom Corp Income Statement

BCML โ€ข NASDAQ

BayCom Corp Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2008Dec 2007Dec 2006Dec 2005
REVENUE
141.8M
137.7M
132.9M
111.2M
92.8M
95.6M
85.5M
64M
48.8M
31M
27.1M
20.4M
15.4M
11.6M
18.6M
8.5M
6.6M
6.6M
4.5M
2.4M
GROSS PROFIT
(44.8M)
(41.8M)
(30.5M)
(14.8M)
(9.3M)
(19.2M)
(11M)
(6.8M)
(4.8M)
(3.7M)
(4.6M)
(3.7M)
(2.4M)
(0.0)
(18.6M)
(8.5M)
(2.3M)
(2.7M)
(1.9M)
(934K)
97.1M
95.9M
102.4M
96.5M
83.5M
76.4M
74.6M
57.2M
44M
27.4M
22.6M
16.7M
13M
11.6M
0.0
0.0
4.2M
3.9M
2.6M
1.5M
OPERATING INCOME
(64.2M)
(63.8M)
(64.3M)
(64M)
(55M)
(58.2M)
(50.9M)
(36.7M)
(29.9M)
(17M)
(13.4M)
(9.8M)
(8.4M)
(7.8M)
(1.8M)
(1.1M)
(3.6M)
(2.9M)
(2.2M)
(1.5M)
(46.3M)
(41.5M)
(43.6M)
(42.8M)
(35.6M)
(35.6M)
(32.4M)
(24.3M)
(19.4M)
(12M)
(12.8M)
(8.8M)
(5.9M)
(6.6M)
(3.5M)
(2.1M)
(2.2M)
(1.9M)
(1.5M)
(0.0)
32.9M
32.1M
38.2M
32.4M
28.5M
18.2M
23.7M
20.5M
14.1M
10.3M
9.2M
6.9M
4.6M
3.8M
8.9M
1M
601.6K
1M
382K
0.0
PRE-TAX INCOME
(40.9M)
(40.6M)
(28.5M)
(10.4M)
(8.8M)
(8.9M)
(8.7M)
(4.9M)
(4.3M)
(3.1M)
(3.1M)
(2.6M)
(2.1M)
(0.0)
(19.8K)
(6.6K)
(2.1M)
(2.5M)
(1.6M)
(639K)
93.7M
89.6M
96.4M
95.5M
71.9M
77.5M
67M
51.2M
39.5M
26.2M
22.3M
16.9M
12.7M
0.0
-19.8K
-6.6K
3.7M
3.8M
2.8M
1.7M
(17.9M)
(22.3M)
(20.7M)
(21.3M)
(19.5M)
(22.6M)
(18.4M)
(12.4M)
(10.5M)
(5M)
(575K)
(993.3K)
(2.5M)
(0.0)
-1.8M
-1.1M
(1.5M)
(922.4K)
(716K)
(1.5M)
-250K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-1.6M
0.0
0.0
0.0
0.0
0.0
32.6M
32.1M
38.2M
32.4M
28.5M
18.2M
23.7M
20.5M
14.1M
10.3M
9.2M
6.9M
4.6M
3.8M
7.3M
1M
601.6K
1M
382K
0.0
NET INCOME
(8.7M)
(8.5M)
(10.7M)
(8.7M)
(7.8M)
(4.5M)
(6.4M)
(6M)
(8.9M)
(4.4M)
(1.7M)
(1.7M)
(1.9M)
(1.7M)
(18.5K)
(380.3K)
(281.7K)
-173.7K
-44K
(0.0)
23.9M
23.6M
27.4M
23.7M
20.7M
13.7M
17.3M
14.5M
5.3M
5.9M
7.5M
5.2M
2.7M
2.2M
7.3M
620.5K
319.9K
1.2M
426K
-526K

SEC Filings

BCML - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 22, 2026
May 22, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 29, 2026
June 16, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 21, 2026
2026
8-K

8-K 2026

N/A

April 09, 2026
April 07, 2026
2026
10-K

10-K 2025 FY

FY

March 16, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 19, 2026
February 19, 2026
2026
8-K

8-K 2026

N/A

January 22, 2026
January 22, 2026
2026
8-K

8-K 2025

N/A

November 20, 2025
November 20, 2025
2025
Showing 1 to 10 of 175 filings