BayCom Corp BCML

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

General. BayCom is a bank holding company headquartered in Walnut Creek, California. BayCom's wholly owned banking subsidiary, United Business Bank, provides a broad range of financial services to businesses and business owners, as well as individual consumers, through its network of 34 full-service branches, with 16 locations in California, one in Nevada, one in Washington, five in New Mexico and 11 in Colorado. The Company's business activities generally are limited to passive investment activities and the monitoring of its investment in the Bank. Accordingly, the information set forth in this Form 10-K, including the consolidated financial statements and related data, relate primarily to the Bank.

Last close 30.45 2026-10-23
Market cap $332.5M 2026-06-30 share count
52-week range 26.78 - 34.98

Valuation FY2025 figures against the last close

P/S2.5x
P/E14.0x
P/FCF11.1x
EV/EBITDA—
Dividend yield2.0%
Diluted EPS2.18

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $135.4M$131.7M$126.3M$107.1M$81.6M$87.2M$76.5M$56.9M$44.3M$29.6M
Interest expense $94.5M$91.1M$97.9M$10.4M$8.8M$8.9M$8.7M$4.9M$4.3M$3.1M
Pre-tax income $32.6M$32.1M$38.2M$32.4M$28.5M$18.2M$23.7M$20.5M$14.1M$10.3M
Income tax $8.7M$8.5M$10.7M$8.7M$7.8M$4.5M$6.4M$6.0M$8.9M$4.4M
Net income $23.9M$23.6M$27.4M$23.7M$20.7M$13.7M$17.3M$14.5M$5.3M$5.9M
EPS, basic 2.182.102.271.811.901.151.471.500.811.10
EPS, diluted 2.182.102.271.811.901.151.471.500.811.09
Shares, diluted (wtd. avg.) 11.0M11.3M12.1M13.1M10.9M12.0M11.8M9.7M6.5M5.4M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $206.5M$364.0M$307.5M$176.8M$379.7M$299.3M$295.4M$323.6M$249.9M$128.7M
Property, plant and equipment $13.2M$13.4M$13.7M$13.3M$14.4M$15.1M$10.5M$11.2M$8.4M—
Goodwill $38.8M$38.8M$38.8M$38.8M$38.8M$38.8M$35.5M$14.6M$10.4M$0
Other intangibles $1.7M$2.7M$3.9M$5.2M$6.5M$8.3M$9.2M$7.2M$4.8M—
Total assets $2.59B$2.66B$2.55B$2.51B$2.35B$2.20B$1.99B$1.48B$1.25B—
Long-term debt ———————$0$6.0M—
Total liabilities $2.26B$2.34B$2.24B$2.20B$2.09B$1.94B$1.74B$1.28B$1.13B—
Retained earnings $178.9M$164.8M$146.3M$124.1M$103.1M$82.4M$68.6M$51.3M$36.8M—
Total equity $338.6M$324.4M$312.9M$317.1M$262.6M$252.6M$254.2M$200.8M$118.6M$78.1M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $31.8M$30.4M$30.8M$39.6M$10.4M$10.0M$7.0M$6.2M$9.3M$6.3M
Depreciation and amortisation ————$2.0M$1.9M$1.2M$935.0K$762.0K$498.0M
Stock-based compensation $653.0K$588.0K$726.0K$1.0M$1.4M$1.5M$1.2M$1.2M$423.0K$334.0K
Capital expenditure $1.7M$1.7M$2.1M$843.0K$1.3M$3.2M$1.4M———
Investing cash flow -$90.8M-$62.2M$80.4M$53.9M-$60.4M-$73.7M$927.0K-$11.3M$90.4M-$32.7M
Financing cash flow -$98.6M$88.3M$19.5M-$296.4M$130.3M$67.6M-$36.1M$78.7M$21.4M$46.9M
Dividends paid $6.6M$3.4M$3.6M$2.0M—$0$0$0——
Buybacks $6.9M$9.2M$24.1M$18.0M$11.6M$18.3M$11.0M$0$24.0K$901.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0001730984-26-000039.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 29.6M Net income, FY2016: 5.9M Revenue, FY2017: 44.3M Net income, FY2017: 5.3M Revenue, FY2018: 56.9M Net income, FY2018: 14.5M Revenue, FY2019: 76.5M Net income, FY2019: 17.3M Revenue, FY2020: 87.2M Net income, FY2020: 13.7M Revenue, FY2021: 81.6M Net income, FY2021: 20.7M Revenue, FY2022: 107.1M Net income, FY2022: 23.7M Revenue, FY2023: 126.3M Net income, FY2023: 27.4M Revenue, FY2024: 131.7M Net income, FY2024: 23.6M Revenue, FY2025: 135.4M Net income, FY2025: 23.9M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $29.6M $44.3M $56.9M $76.5M $87.2M $81.6M $107.1M $126.3M $131.7M $135.4M
Gross profit — — — — — — — — — —
Net income $5.9M $5.3M $14.5M $17.3M $13.7M $20.7M $23.7M $27.4M $23.6M $23.9M

Recent filings and events

  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Officer or director change Item 5.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Other event Item 8.01
  • Results announced Item 2.02
  • Officer or director change Item 5.02
  • Other event Item 8.01
  • Officer or director change Item 5.02
  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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