Financial Snapshot

Revenue
$97.58M
TTM
Gross Margin
Net Earnings
$23.89M
TTM
Current Assets
Current Liabilities
$27.20M
Q3 2024
Current Ratio
Total Assets
$2.562B
Q3 2024
Total Liabilities
$2.241B
Q3 2024
Book Value
$321.7M
Q3 2024
Cash
Q3 2024
P/E
13.48
Nov 29, 2024 EST
Free Cash Flow
$27.71M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Revenue $126.3M $107.1M $81.61M $87.19M $76.54M $56.86M $44.25M $29.63M
YoY Change 18.0% 31.19% -6.4% 13.91% 34.62% 28.49% 49.38%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Revenue $126.3M $107.1M $81.61M $87.19M $76.54M $56.86M $44.25M $29.63M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $2.963M $4.019M $2.043M $1.864M $1.207M $935.0M $762.0M $498.0M
YoY Change -26.28% 96.72% 9.6% 54.43% -99.87% 22.7% 53.01%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Interest Expense $28.46M $10.35M $8.802M $8.899M $8.732M $4.942M $4.312M $3.074M
YoY Change 174.98% 17.6% -1.09% 1.91% 76.69% 14.61% 40.27%
% of Operating Profit
Other Income/Expense, Net $174.0K
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Pretax Income $38.16M $37.01M $28.48M $18.23M $23.69M $20.49M $14.15M $10.35M $4.590M
YoY Change 3.1% 29.95% 56.23% -23.06% 15.63% 44.81% 36.73% 12.97%
Income Tax $10.73M $10.02M $7.789M $4.503M $6.373M $5.996M $8.889M $4.436M $1.900M
% Of Pretax Income 28.13% 27.08% 27.35% 24.7% 26.9% 29.26% 62.82% 42.87% 41.39%
Net Earnings $27.43M $26.99M $20.69M $13.73M $17.32M $14.49M $5.260M $5.912M $2.690M
YoY Change 1.62% 30.43% 50.74% -20.74% 19.49% 175.53% -11.03% -20.64%
Net Earnings / Revenue 21.71% 25.21% 25.35% 15.74% 22.62% 25.49% 11.89% 19.96%
Basic Earnings Per Share $2.27 $2.06 $1.90 $1.15 $1.47 $1.50 $0.81 $1.10
Diluted Earnings Per Share $2.27 $2.06 $1.90 $1.15 $1.47 $1.50 $0.81 $1.09 $275.3K

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $27.67M $29.85M $26.50M $27.20M $25.80M $11.20M $8.400M $1.100M
YoY Change -7.28% 12.63% -2.57% 5.43% 130.36% 33.33% 663.64%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $12.59M
YoY Change
Other Assets $19.48M $18.76M $10.60M $8.600M
YoY Change 3.83% 77.0% 23.26%
Total Long-Term Assets
YoY Change
Total Assets $2.552B $2.513B $2.351B $2.196B $1.994B $1.478B $1.246B $675.3M $342.3M
YoY Change
Accounts Payable $14.59M $16.53M $13.90M $11.60M $11.30M $8.400M $7.400M $3.300M
YoY Change -11.75% 18.94% 19.83% 2.65% 34.52% 13.51% 124.24%
Accrued Expenses $14.75M $17.14M $12.70M $12.30M $15.60M
YoY Change -13.92% 34.94% 3.25% -21.15%
Deferred Revenue
YoY Change
Short-Term Debt
YoY Change
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities $29.34M $33.67M $26.60M $23.90M $26.90M $8.400M $7.400M $3.300M
YoY Change -12.85% 26.58% 11.3% -11.15% 220.24% 13.51% 124.24%
Long-Term Debt $72.45M $72.20M $71.90M $71.70M $8.200M $8.200M $11.40M $0.00 $2.000M
YoY Change 0.35% 0.41% 0.28% 774.39% 0.0% -28.07%
Other Long-Term Liabilities $4.552M $4.840M $4.400M $4.000M $3.700M $3.300M $4.000M $3.200M $1.500M
YoY Change -5.95% 10.0% 10.0% 8.11% 12.12% -17.5% 25.0%
Total Long-Term Liabilities $77.00M $77.04M $76.30M $75.70M $11.90M $11.50M $15.40M $3.200M $3.500M
YoY Change -0.05% 0.96% 0.79% 536.13% 3.48% -25.32% 381.25%
Total Liabilities $2.239B $2.196B $2.088B $1.943B $1.740B $1.278B $1.127B $597.2M $290.0M
YoY Change 1.95% 5.18% 7.46% 11.67% 36.19% 13.34% 88.75%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2013
Basic Shares Outstanding 12.07M 13.12M 10.88M 11.97M 11.76M 9.692M 6.520M 5.441M
Diluted Shares Outstanding 12.07M 13.12M 10.88M 11.97M 11.76M 9.692M 6.520M 5.450M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $322.08 Million

About BayCom Corp

BayCom Corp. is a bank holding company, which engages in the provision of financial services to businesses and business owners, as well as individuals. The company is headquartered in Walnut Creek, California and currently employs 336 full-time employees. The company went IPO on 2004-08-09. The Company, through its wholly owned operating subsidiary, United Business Bank, offers a full range of loans, including United States Small Business Administration (SBA), California Pollution Control Financing Authority (CalCAP), FSA and United States Department of Agriculture (USDA) guaranteed loans, and deposit products and services to businesses and its affiliates in California, Washington, New Mexico and Colorado. The company offers a full range of lending products, including commercial and multifamily real estate loans (including owner-occupied and investor real estate loans), commercial and industrial loans, construction and land loans, agriculture-related loans and consumer loans. The company also offers consumer loans predominantly as an accommodation to its commercial clients, which include installment loans, unsecured and secured personal lines of credit, and overdraft protection. The firm has a network of approximately 35 full-service branches.

Industry: State Commercial Banks Peers: ACNB CORP BLUE RIDGE BANKSHARES, INC. First Western Financial Inc NORTHRIM BANCORP INC PARKE BANCORP, INC. ORRSTOWN FINANCIAL SERVICES INC PNC FINANCIAL SERVICES GROUP, INC. Southern States Bancshares, Inc. Third Coast Bancshares, Inc.