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BayCom Corp (BCML)
NASDAQ:BCML
US Market
BCML
BayCom
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BayCom (BCML) Ratios

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BayCom Ratios

BCML's free cash flow for Q4 2025 was $0.73. For the 2025 fiscal year, BCML's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 55.06 55.06 0.03 0.03 0.10
Quick Ratio
 55.06 55.06 0.03 0.03 0.10
Cash Ratio
 7.14 7.14 0.01 <0.01 0.01
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 12.78 8.17 0.01 0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 7.82 10.22
Net Current Asset Value
$ -2.05B$ -2.05B$ -2.28B$ -2.18B$ -1.98B
Leverage Ratios
Debt-to-Assets Ratio
 <0.01 <0.01 0.03 0.03 0.04
Debt-to-Equity Ratio
 0.07 0.07 0.27 0.28 0.28
Debt-to-Capital Ratio
 0.06 0.06 0.21 0.22 0.22
Long-Term Debt-to-Capital Ratio
 0.03 0.03 0.18 0.19 0.19
Financial Leverage Ratio
 7.66 7.66 8.21 8.16 7.92
Debt Service Coverage Ratio
 0.66 0.67 0.66 0.94 1.95
Interest Coverage Ratio
 0.80 0.80 0.79 1.34 3.13
Debt to Market Cap
 0.03 0.03 0.24 0.27 0.31
Interest Debt Per Share
 5.81 5.81 11.31 9.58 7.60
Net Debt to EBITDA
 -0.12 -0.12 1.79 1.65 1.65
Profitability Margins
Gross Profit Margin
68.45%68.45%69.62%77.07%86.70%
EBIT Margin
23.00%23.17%23.33%28.71%29.16%
EBITDA Margin
25.11%25.44%25.70%30.94%32.77%
Operating Profit Margin
23.00%23.17%23.33%28.71%29.16%
Pretax Profit Margin
23.00%23.00%23.33%28.71%29.16%
Net Profit Margin
16.87%16.87%17.15%20.63%21.33%
Continuous Operations Profit Margin
16.87%16.87%17.15%20.63%21.33%
Net Income Per EBT
73.37%73.37%73.52%71.87%73.15%
EBT Per EBIT
100.00%99.24%100.00%100.00%100.00%
Return on Assets (ROA)
0.92%0.92%0.89%1.07%0.94%
Return on Equity (ROE)
7.18%7.07%7.28%8.77%7.48%
Return on Capital Employed (ROCE)
1.26%1.27%7.46%9.10%7.89%
Return on Invested Capital (ROIC)
9.83%9.91%5.49%6.48%5.72%
Return on Tangible Assets
0.94%0.94%0.90%1.09%0.96%
Earnings Yield
7.53%7.47%7.81%9.63%9.53%
Efficiency Ratios
Receivables Turnover
 17.00 17.00 4.82 4.16 3.65
Payables Turnover
 0.00 0.00 0.00 0.00 0.89
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 0.00 5.48 5.14 4.80 3.73
Asset Turnover
 0.05 0.05 0.05 0.05 0.04
Working Capital Turnover Ratio
 -0.14 -0.14 -0.06 -0.07 -0.06
Cash Conversion Cycle
 21.47 21.47 75.75 87.67 -308.07
Days of Sales Outstanding
 21.47 21.47 75.75 87.67 99.89
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 407.96
Operating Cycle
 21.47 21.47 75.75 87.67 99.89
Cash Flow Ratios
Operating Cash Flow Per Share
 4.40 2.81 2.70 2.55 3.02
Free Cash Flow Per Share
 4.12 2.65 2.54 2.38 2.95
CapEx Per Share
 0.28 0.16 0.15 0.18 0.06
Free Cash Flow to Operating Cash Flow
 0.94 0.94 0.94 0.93 0.98
Dividend Paid and CapEx Coverage Ratio
 4.97 3.67 5.98 5.35 13.84
Capital Expenditure Coverage Ratio
 15.75 17.55 17.85 14.51 46.99
Operating Cash Flow Coverage Ratio
 2.14 1.37 0.35 0.35 0.44
Operating Cash Flow to Sales Ratio
 0.34 0.22 0.22 0.23 0.36
Free Cash Flow Yield
14.11%9.02%9.48%10.07%15.56%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 12.85 13.39 12.80 10.39 10.50
Price-to-Sales (P/S) Ratio
 2.17 2.26 2.20 2.14 2.24
Price-to-Book (P/B) Ratio
 0.91 0.95 0.93 0.91 0.79
Price-to-Free Cash Flow (P/FCF) Ratio
 6.86 11.09 10.55 9.93 6.43
Price-to-Operating Cash Flow Ratio
 6.42 10.45 9.96 9.25 6.29
Price-to-Earnings Growth (PEG) Ratio
 3.37 3.51 -1.71 0.41 -2.22
Price-to-Fair Value
 0.91 0.95 0.93 0.91 0.79
Enterprise Value Multiple
 8.53 8.76 10.33 8.58 8.48
Enterprise Value
 313.72M 315.96M 365.65M 352.88M 309.21M
EV to EBITDA
 8.81 8.76 10.33 8.58 8.48
EV to Sales
 2.21 2.23 2.66 2.65 2.78
EV to Free Cash Flow
 6.99 10.93 12.76 12.30 7.98
EV to Operating Cash Flow
 6.55 10.31 12.04 11.46 7.81
Tangible Book Value Per Share
 27.35 27.35 25.11 22.37 20.81
Shareholders’ Equity Per Share
 31.07 31.07 28.80 25.91 24.17
Tax and Other Ratios
Effective Tax Rate
 0.27 0.27 0.26 0.28 0.27
Revenue Per Share
 13.02 13.02 12.23 11.01 8.48
Net Income Per Share
 2.20 2.20 2.10 2.27 1.81
Tax Burden
 0.73 0.73 0.74 0.72 0.73
Interest Burden
 1.00 0.99 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.30 0.33 0.30 0.32 0.38
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 2.25 3.60 1.29 1.12 1.67
Currency in USD