Last 43 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.16 | — | 9.91 | 11.67 | 15.63 | 11.94 | 12.34 | 12.20 | 10.98 | 10.18 | 10.10 | 10.72 | 8.58 | 7.07 | 7.76 | 7.65 | 8.14 | 13.61 | 10.67 | 9.20 | 9.12 |
| — | — | -19.7% | -4.4% | +42.3% | +17.4% | +22.1% | +13.8% | +28.1% | +44.0% | +30.1% | +40.1% | +5.4% | -48.1% | -27.2% | -16.8% | -10.7% | +48.6% | -5.2% | -5.4% | -4.4% | |
| P/S Ratio | 3.34 | 3.56 | 3.03 | 3.05 | 3.02 | 3.09 | 2.88 | 3.17 | 2.59 | 2.42 | 2.43 | 2.63 | 2.15 | 2.02 | 2.03 | 2.20 | 2.17 | 3.02 | 2.96 | 2.30 | 2.29 |
| — | +15.2% | +5.3% | -3.6% | +16.5% | +27.5% | +18.6% | +20.6% | +20.9% | +20.1% | +19.8% | +19.5% | -1.0% | -33.2% | -31.4% | -4.4% | -5.5% | +24.7% | +18.2% | +10.8% | +55.8% | |
| P/B Ratio | 0.99 | 1.07 | 0.94 | 0.95 | 0.94 | 0.92 | 0.85 | 0.92 | 0.82 | 0.73 | 0.76 | 0.87 | 0.74 | 0.66 | 0.69 | 0.78 | 0.74 | 0.88 | 0.85 | 0.76 | 0.77 |
| — | +16.0% | +10.8% | +2.8% | +14.4% | +27.0% | +12.6% | +5.5% | +11.3% | +9.3% | +9.2% | +12.5% | -0.7% | -24.1% | -18.4% | +1.6% | -3.7% | +13.1% | +6.3% | +9.3% | +61.5% | |
| P/FCF | 11.19 | 19.83 | 12.12 | 8.80 | 12.61 | 13.57 | 7.67 | 9.41 | 7.06 | 7.71 | 15.07 | 9.76 | 27.38 | 4.40 | 6.74 | 3.94 | 4.88 | 8.27 | 25.76 | 10.39 | — |
| — | +46.2% | +58.0% | -6.5% | +78.6% | +75.9% | -49.1% | -3.6% | -74.2% | +75.1% | +123.5% | +148.0% | +461.2% | -46.7% | -73.8% | -62.1% | — | +27.1% | -87.1% | -17.7% | — | |
| EV / EBITDA | 9.21 | — | 7.09 | 8.53 | 9.31 | 9.78 | 10.29 | 10.16 | 8.88 | 8.64 | 8.46 | 8.96 | 7.11 | 5.87 | 6.33 | 6.35 | 6.65 | 12.49 | 10.56 | 7.67 | 7.47 |
| — | — | -31.1% | -16.1% | +4.8% | +13.1% | +21.6% | +13.5% | +25.0% | +47.3% | +33.7% | +41.0% | +6.9% | -53.0% | -40.1% | -17.2% | -11.0% | +69.8% | +21.4% | -10.3% | +237.5% | |
| EV / EBIT | 10.11 | — | 7.48 | 8.34 | 11.71 | 10.61 | 11.27 | 11.19 | 9.78 | 9.58 | 9.29 | 9.69 | 7.64 | 6.30 | 6.85 | 6.92 | 7.33 | 14.85 | 12.12 | 8.65 | 8.44 |
| — | — | -33.7% | -25.5% | +19.8% | +10.7% | +21.4% | +15.5% | +28.0% | +52.2% | +35.6% | +39.9% | +4.2% | -57.6% | -43.5% | -20.0% | -13.2% | +78.6% | +20.5% | -15.8% | +232.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 96.2% | 79.2% | 102.5% | 99.0% | 88.6% | 99.2% | 97.4% | 101.7% | 95.1% | 99.3% | 99.0% | 91.0% | 97.4% | 105.0% | 99.0% | 97.8% | 95.6% | 88.7% | 100.0% | 97.7% | 97.8% |
| — | -20.1% | +5.3% | -2.6% | -6.9% | -0.1% | -1.6% | +11.7% | -2.4% | -5.4% | -0.0% | -6.9% | +2.0% | +18.3% | -1.0% | +0.1% | -2.3% | -13.5% | -0.0% | +7.4% | +9.9% | |
| Operating Margin | 32.6% | -28.5% | 40.8% | 36.1% | 25.9% | 35.3% | 31.6% | 34.3% | 32.5% | 32.1% | 33.3% | 33.9% | 35.1% | 39.8% | 37.4% | 39.5% | 36.4% | 23.7% | 28.6% | 34.5% | 34.1% |
| — | -180.7% | +29.0% | +5.3% | -20.4% | +9.9% | -5.1% | +1.3% | -7.2% | -19.3% | -11.0% | -14.2% | -3.6% | +67.9% | +30.9% | +14.5% | +6.7% | -34.7% | -6.9% | +32.3% | +61.4% | |
| Net Margin | 23.7% | -27.6% | 30.6% | 26.2% | 19.3% | 25.8% | 23.4% | 26.0% | 23.6% | 23.7% | 24.0% | 24.6% | 25.1% | 28.5% | 26.9% | 28.8% | 25.8% | 16.8% | 22.5% | 24.9% | 25.0% |
| — | -207.0% | +30.5% | +0.7% | -18.4% | +8.8% | -2.5% | +5.5% | -5.9% | -16.9% | -10.6% | -14.5% | -2.9% | +69.6% | +19.7% | +15.4% | +3.5% | -36.1% | +0.6% | +16.8% | +59.4% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | -2.0% | 2.4% | 2.0% | 1.5% | 1.9% | 1.7% | 1.9% | 1.9% | 1.8% | 1.9% | 2.1% | 2.2% | 2.3% | 2.3% | 2.5% | 2.2% | 1.2% | 1.8% | 2.1% | 2.1% |
| — | -206.3% | +37.4% | +7.6% | -20.3% | +8.4% | -6.9% | -8.2% | -12.5% | -23.4% | -17.8% | -19.1% | -1.7% | +91.8% | +28.1% | +21.9% | +3.4% | -42.1% | -0.4% | +17.0% | +65.9% | |
| ROA | 0.9% | -0.3% | 0.3% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% | 0.3% | 0.3% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | -208.5% | +43.1% | +12.7% | -17.9% | +12.9% | -5.1% | -6.1% | -9.5% | -22.9% | -19.1% | -21.8% | -3.6% | +95.9% | +38.8% | +38.3% | +16.1% | -37.4% | +1.3% | +13.5% | +58.2% | |
| ROIC | 6.4% | -1.4% | 2.3% | 2.0% | 1.3% | 1.6% | 1.4% | 1.5% | 1.5% | 1.4% | 1.5% | 1.7% | 1.8% | 1.9% | 1.9% | 2.0% | 1.8% | 1.0% | 1.3% | 1.6% | 1.6% |
| — | -192.1% | +61.9% | +33.5% | -15.1% | +10.4% | -8.7% | -10.7% | -12.6% | -25.0% | -17.9% | -19.0% | -3.5% | +87.0% | +41.1% | +25.0% | +11.3% | -37.3% | -3.5% | +36.4% | +59.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.14 | 0.06 | 0.07 | 0.07 | 0.26 | 0.27 | 0.27 | 0.27 | 0.27 | 0.28 | 0.28 | 0.29 | 0.29 | 0.28 | 0.28 | 0.28 | 0.26 | 0.27 | 0.32 | 0.32 |
| — | -47.0% | -77.6% | -75.3% | -74.0% | -4.0% | -3.5% | -4.0% | -7.1% | -5.1% | -2.6% | -1.1% | +2.2% | +8.6% | +6.5% | -12.6% | -13.3% | -20.7% | -24.2% | -8.6% | -12.5% | |
| Debt / EBITDA | 0.62 | — | 1.78 | 2.42 | 2.74 | 9.16 | 10.38 | 9.75 | 9.42 | 10.22 | 9.68 | 9.16 | 8.88 | 8.17 | 8.18 | 7.42 | 8.18 | 12.94 | 11.29 | 9.98 | 10.00 |
| — | — | -82.9% | -75.2% | -70.9% | -10.3% | +7.3% | +6.4% | +6.2% | +25.1% | +18.3% | +23.5% | +8.5% | -36.9% | -27.6% | -25.7% | -18.2% | +27.3% | -8.7% | -25.3% | -45.8% | |
| Current Ratio | 55.06 | 10.96 | 0.02 | 0.02 | 0.02 | 0.09 | 0.02 | 0.03 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 | 0.10 | 0.11 | 0.10 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 |
| — | +11504.0% | -36.4% | -23.8% | -80.5% | -13.9% | -76.9% | -10.2% | +19.4% | +8.3% | -2.9% | -72.8% | -8.5% | -4.7% | +1.6% | +3.1% | +11.8% | +9.8% | +18.5% | +7.8% | -60.1% | |
| Quick Ratio | 55.06 | 10.96 | 0.02 | 0.02 | 0.02 | 0.09 | 0.02 | 0.03 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 | 0.10 | 0.11 | 0.10 | 0.11 | 0.11 | 0.10 | 0.10 | 0.10 |
| — | +11504.0% | -36.4% | -23.8% | -80.5% | -13.9% | -76.9% | -10.2% | +19.4% | +8.3% | -2.9% | -72.8% | -8.5% | -4.7% | +1.6% | +3.1% | +11.8% | +9.8% | +18.5% | +7.8% | -60.1% | |
| Interest Coverage | 0.80 | -0.84 | 1.17 | 1.01 | 0.58 | 0.85 | 0.79 | 0.77 | 0.79 | 0.75 | 0.87 | 1.02 | 1.16 | 1.44 | 2.09 | 3.64 | 4.07 | 2.25 | 2.71 | 3.45 | 3.33 |
| — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 43 years · Updated daily
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Quick answers to the most common questions about buying BCML stock.
BayCom Corp's current P/E is 14.2x. The average P/E over the last 3 quarters is 12.4x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
BayCom Corp's current operating margin is 32.6%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking BayCom Corp's business trajectory between earnings reports.