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STOCKS

BayCom Corp (BCML)

NASDAQ:BCML

BCML

BayCom

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BayCom (BCML) Ratios

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124 Followers

BayCom Ratios

BCML's free cash flow for Q3 2025 was $0.61. For the 2025 fiscal year, BCML's free cash flow was decreased by $ and operating cash flow was $0.18. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.02	0.03	14.53	16.53	15.50
Quick Ratio	0.02	0.03	25.39	44.74	42.66
Cash Ratio	<0.01	<0.01	1.77	1.79	3.21
Solvency Ratio	0.01	0.01	0.01	0.01	<0.01
Operating Cash Flow Ratio	0.01	0.01	2.40	0.75	0.86
Short-Term Operating Cash Flow Coverage	31.87	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -2.22B	$ -2.18B	$ -1.96B	$ -1.86B	$ -1.76B
Leverage Ratios
Debt-to-Assets Ratio	<0.01	0.03	0.04	0.04	0.04
Debt-to-Equity Ratio	0.07	0.28	0.28	0.32	0.35
Debt-to-Capital Ratio	0.06	0.22	0.22	0.24	0.26
Long-Term Debt-to-Capital Ratio	0.03	0.19	0.19	0.22	0.26
Financial Leverage Ratio	7.79	8.16	7.92	8.95	8.69
Debt Service Coverage Ratio	0.63	1.07	2.55	3.01	1.95
Interest Coverage Ratio	0.74	1.34	4.19	3.24	2.05
Debt to Market Cap	0.03	0.25	0.29	0.35	0.49
Interest Debt Per Share	5.98	9.58	7.60	8.58	8.18
Net Debt to EBITDA	0.04	1.65	1.65	1.75	2.36
Profitability Margins
Gross Profit Margin	67.62%	77.07%	100.00%	100.00%	100.00%
EBIT Margin	22.19%	28.71%	30.80%	36.17%	20.90%
EBITDA Margin	25.05%	30.94%	34.62%	40.76%	25.15%
Operating Profit Margin	22.19%	28.71%	41.16%	33.88%	20.95%
Pretax Profit Margin	22.19%	28.71%	35.15%	33.88%	20.95%
Net Profit Margin	16.48%	20.63%	22.53%	24.61%	15.77%
Continuous Operations Profit Margin	16.48%	20.63%	22.53%	24.61%	15.77%
Net Income Per EBT	74.26%	71.87%	64.12%	72.65%	75.30%
EBT Per EBIT	100.00%	100.00%	85.39%	100.00%	100.00%
Return on Assets (ROA)	0.89%	1.07%	0.94%	0.88%	0.63%
Return on Equity (ROE)	7.04%	8.77%	7.48%	7.88%	5.43%
Return on Capital Employed (ROCE)	8.57%	9.10%	1.74%	1.22%	0.83%
Return on Invested Capital (ROIC)	6.35%	6.54%	10.62%	4.48%	3.83%
Return on Tangible Assets	0.90%	1.09%	0.96%	0.90%	0.64%
Earnings Yield	7.64%	9.63%	9.53%	10.14%	7.56%
Efficiency Ratios
Receivables Turnover	5.69	4.16	3.46	2.82	3.16
Payables Turnover	15.96	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.20	4.80	3.53	3.17	3.20
Asset Turnover	0.05	0.05	0.04	0.04	0.04
Working Capital Turnover Ratio	-0.07	-0.07	0.48	0.44	0.29
Cash Conversion Cycle	41.25	87.67	105.52	129.65	115.52
Days of Sales Outstanding	64.11	87.67	105.52	129.65	115.52
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	22.87	0.00	0.00	0.00	0.00
Operating Cycle	64.11	87.67	105.52	129.65	115.52
Cash Flow Ratios
Operating Cash Flow Per Share	2.83	2.55	3.02	0.96	0.84
Free Cash Flow Per Share	2.65	2.38	2.95	0.84	0.57
CapEx Per Share	0.19	0.18	0.06	0.12	0.27
Free Cash Flow to Operating Cash Flow	0.93	0.93	0.98	0.87	0.68
Dividend Paid and CapEx Coverage Ratio	5.27	5.35	13.84	7.97	3.11
Capital Expenditure Coverage Ratio	15.00	14.51	46.99	7.97	3.11
Operating Cash Flow Coverage Ratio	1.34	0.35	0.44	0.12	0.11
Operating Cash Flow to Sales Ratio	0.22	0.23	0.38	0.12	0.11
Free Cash Flow Yield	9.55%	10.07%	15.56%	4.47%	3.74%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	13.09	10.39	10.50	9.87	13.22
Price-to-Sales (P/S) Ratio	2.15	2.14	2.37	2.43	2.09
Price-to-Book (P/B) Ratio	0.91	0.91	0.79	0.78	0.72
Price-to-Free Cash Flow (P/FCF) Ratio	10.47	9.93	6.43	22.39	26.76
Price-to-Operating Cash Flow Ratio	9.80	9.25	6.29	19.58	18.16
Price-to-Earnings Growth (PEG) Ratio	-3.57	1.02	-2.22	0.15	-0.61
Price-to-Fair Value	0.91	0.91	0.79	0.78	0.72
Enterprise Value Multiple	8.63	8.58	8.48	7.70	10.65
Enterprise Value	304.10M	352.88M	309.21M	263.99M	233.13M
EV to EBITDA	8.63	8.58	8.48	7.70	10.65
EV to Sales	2.16	2.65	2.94	3.14	2.68
EV to Free Cash Flow	10.52	12.30	7.98	28.95	34.38
EV to Operating Cash Flow	9.82	11.46	7.81	25.31	23.32
Tangible Book Value Per Share	26.85	22.37	20.81	19.97	17.17
Shareholders’ Equity Per Share	30.58	25.91	24.17	24.13	21.11
Tax and Other Ratios
Effective Tax Rate	0.26	0.28	0.27	0.27	0.25
Revenue Per Share	12.88	11.01	8.02	7.72	7.27
Net Income Per Share	2.12	2.27	1.81	1.90	1.15
Tax Burden	0.74	0.72	0.64	0.73	0.75
Interest Burden	1.00	1.00	1.14	0.94	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.29	0.32	0.40	0.40	0.39
Stock-Based Compensation to Revenue	<0.01	<0.01	<0.01	0.02	0.02
Income Quality	2.46	1.12	1.47	0.50	0.73

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