# BayCom Corp. (BCML)

**Exchange:** NASDAQ  
**Sector:** Financial Services  
**Market cap:** $350M  
**Price:** $31.86 (-1.38%)

> BayCom Corp is a bank holding company that provides comprehensive financial services to small and mid-sized businesses, service professionals, and individuals across multiple western states. Operating through its subsidiary United Business Bank, the company offers a diverse range of deposit products including demand, savings, money market, and time deposit accounts. Its lending portfolio encompasses commercial and multifamily real estate loans, commercial and industrial loans, small business administration loans, construction and land loans, agricultural financing, and consumer loans. Beyond traditional banking, BayCom Corp delivers digital banking services such as online and mobile platforms, automated teller machines, and remote deposit capture, along with treasury management solutions including wire transfers, automated clearing house origination, and account reconciliation services. The company maintains a network of full-service banking branches spanning Northern and Southern California, Las Vegas, Denver, and the Seattle and Central New Mexico regions. Headquartered in Walnut Creek, California, and established in 2004, BayCom Corp serves as a regional financial institution focused on relationship-based banking for its core customer base in western United States markets.

## Income Statement (Annual, USD)

| Fiscal Year | Revenue | Gross Profit | Operating Income | Net Income | EPS (dil.) |
| --- | --- | --- | --- | --- | --- |
| 2025 | $101M | — | — | $24M | $2.18 |
| 2024 | $97M | — | — | $24M | $2.10 |
| 2023 | $104M | — | — | $27M | $2.27 |
| 2022 | $101M | — | — | $24M | $2.06 |
| 2021 | $84M | — | — | $21M | $1.90 |
| 2020 | $87M | — | — | $14M | $1.15 |

## Balance Sheet (Annual, USD)

| Fiscal Year | Total Assets | Total Liabilities | Equity | Cash | Long-term Debt |
| --- | --- | --- | --- | --- | --- |
| 2025 | $2.59B | $2.26B | $339M | $27M | $22M |
| 2024 | $2.66B | $2.34B | $324M | $23M | $87M |

## Cash Flow (Annual, USD)

| Fiscal Year | Operating Cash Flow | CapEx | Free Cash Flow |
| --- | --- | --- | --- |
| 2025 | $28M | -$2M | $30M |
| 2024 | $30M | -$2M | $29M |
| 2023 | $28M | -$2M | $29M |
| 2022 | $35M | -$843,000 | $39M |
| 2021 | $17M | -$1M | $9M |
| 2020 | -$3M | -$3M | $7M |

Source: [CompaniesByCap](https://companiesbycap.com/company/BCML)