BCML
BayCom Corp32.43
+0.01+0.03%
Dec 16, 4:00:02 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
354.26MP/E (TTM)
15.44Basic EPS (TTM)
2.10Dividend Yield
0.02%Recent Filings
8-K
10-Q
Q3 FY2025 results
BayCom Corp posted solid Q3 FY2025 results, with net interest income climbing 2.4% year-over-year to $23.4M on stronger loan yields and balances, though net income dipped 13.6% to $5.0M amid a $3.0M provision for credit losses (up from $1.2M). Loans grew 4.6% quarter-over-quarter to $2.0B, driven by $337M in originations, while deposits held steady at $2.2B despite a shift to interest-bearing accounts. The bank redeemed its $64M subordinated debt, bolstering liquidity with $228M in cash equivalents and $595M available from FHLB. Non-GAAP metrics not disclosed in the 10-Q. Yet nonperforming loans rose to 0.68% of total, signaling watchful eyes on credit quality.
8-K
Q3 earnings dip on provisions
BayCom Corp reported Q3 2025 net income of $5.0 million, down 21.3% from Q2's $6.4 million, driven by a $2.8 million surge in credit loss provisions and one-time costs from redeeming all subordinated debt, while net interest income edged up 1.1% to $23.4 million. Loans held steady at $2.0 billion, deposits grew to $2.2 billion, and nonperforming loans improved to 0.68% of total. Proactive balance sheet moves position the bank stronger. Yet credit risks linger amid economic caution.
8-K
25% dividend increase declared
BayCom Corp declared a quarterly cash dividend of $0.25 per share on August 21, 2025, a 25% hike from $0.20, payable October 9 to shareholders of record September 11. This boost signals confidence in steady cash flows amid economic pressures. Dividend hikes reward loyal holders. Yet forward-looking statements warn of risks like market volatility that could affect future payouts.
8-K
BayCom redeems $64.7M notes
BayCom Corp announced on August 15, 2025, the redemption of its $64.7 million 5.25% Fixed-to-Floating Rate Subordinated Notes due 2030, set for September 15, 2025, at 100% of principal plus accrued interest, funded by cash on hand. This move retires the debt early, trimming interest costs while preserving liquidity. Redemption proceeds as planned.
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