Last 41 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
BayCom Corp's quarterly P/E stands at 11.7x, down 4.4% year-over-year. EV/EBITDA has compressed 16.1% YoY to 8.5x, reflecting multiple compression or accelerating EBITDA.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 14.47 | 11.67 | 15.63 | 11.94 | 12.34 | 12.20 | 10.98 | 10.18 | 10.10 | 10.72 | 8.58 | 7.07 | 7.76 |
| — | -4.4% | +42.3% | +17.4% | +22.1% | +13.8% | +28.1% | +44.0% | +30.1% | +40.1% | +5.4% | -48.1% | -27.2% | |
| P/S Ratio | 2.43 | 2.27 | 2.09 | 2.18 | 2.06 | 2.19 | 1.83 | 1.70 | 1.76 | 1.97 | 1.65 | 1.58 | 1.72 |
| — | +4.0% | +14.1% | +28.5% | +17.0% | +11.1% | +11.4% | +7.4% | +2.2% | -0.7% | -17.2% | -42.1% | -35.7% | |
| P/B Ratio | 1.02 | 0.95 | 0.94 | 0.92 | 0.85 | 0.92 | 0.82 | 0.73 | 0.76 | 0.87 | 0.74 | 0.66 | 0.69 |
| — | +2.8% | +14.4% | +27.0% | +12.6% | +5.5% | +11.3% | +9.3% | +9.2% | +12.5% | -0.7% | -24.1% | -18.4% | |
| P/FCF | 11.91 | 3.35 | 12.61 | 13.57 | 7.67 | 9.41 | 7.06 | 7.71 | 15.07 | 9.76 | 27.38 | 4.40 | 6.74 |
| — | -64.4% | +78.6% | +75.9% | -49.1% | -3.6% | -74.2% | +75.1% | +123.5% | +148.0% | +461.2% | -46.7% | -73.8% | |
| EV / EBITDA | 9.42 | 8.53 | 9.31 | 9.78 | 10.29 | 10.16 | 8.88 | 8.64 | 8.46 | 8.96 | 7.11 | 5.87 | 6.33 |
| — | -16.1% | +4.8% | +13.1% | +21.6% | +13.5% | +25.0% | +47.3% | +33.7% | +41.0% | +6.9% | -53.0% | -40.1% | |
| EV / EBIT | 10.34 | 8.34 | 11.71 | 10.61 | 11.27 | 11.19 | 9.78 | 9.58 | 9.29 | 9.69 | 7.64 | 6.30 | 6.85 |
| — | -25.5% | +19.8% | +10.7% | +21.4% | +15.5% | +28.0% | +52.2% | +35.6% | +39.9% | +4.2% | -57.6% | -43.5% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
BayCom Corp's operating margin was 26.9% in Q4 2025, up 8.9 pp QoQ and up 3.2 pp YoY. The trailing four-quarter average of 23.1% lags the current quarter, suggesting the recent improvement is above-trend. Gross margin expanded 4.6% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 68.4% | 73.5% | 61.3% | 70.0% | 69.5% | 70.2% | 67.2% | 69.5% | 71.6% | 68.3% | 74.8% | 82.3% | 83.9% |
| — | +4.6% | -8.8% | +0.7% | -3.0% | +2.9% | -10.1% | -15.5% | -14.6% | -22.6% | -14.8% | +2.5% | -7.2% | |
| Operating Margin | 23.2% | 26.9% | 17.9% | 24.9% | 22.5% | 23.7% | 23.0% | 22.5% | 24.1% | 25.4% | 26.9% | 31.2% | 31.7% |
| — | +13.5% | -22.0% | +10.7% | -6.4% | -6.7% | -14.5% | -27.9% | -24.1% | -28.7% | -19.4% | +45.5% | +22.7% | |
| Net Margin | 16.9% | 19.5% | 13.3% | 18.2% | 16.7% | 17.9% | 16.7% | 16.6% | 17.4% | 18.5% | 19.2% | 22.3% | 22.8% |
| — | +8.6% | -20.1% | +9.7% | -3.8% | -2.8% | -13.3% | -25.7% | -23.7% | -28.9% | -18.8% | +46.9% | +12.2% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 7.2% | 2.0% | 1.5% | 1.9% | 1.7% | 1.9% | 1.9% | 1.8% | 1.9% | 2.1% | 2.2% | 2.3% | 2.3% |
| — | +7.6% | -20.3% | +8.4% | -6.9% | -8.2% | -12.5% | -23.4% | -17.8% | -19.1% | -1.7% | +91.8% | +28.1% | |
| ROA | 0.9% | 0.3% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.2% | 0.3% | 0.3% | 0.3% |
| — | +12.7% | -17.9% | +12.9% | -5.1% | -6.1% | -9.5% | -22.9% | -19.1% | -21.8% | -3.6% | +95.9% | +38.8% | |
| ROIC | 6.4% | 2.0% | 1.3% | 1.6% | 1.4% | 1.5% | 1.5% | 1.4% | 1.5% | 1.7% | 1.8% | 1.9% | 1.9% |
| — | +33.5% | -15.1% | +10.4% | -8.7% | -10.7% | -12.6% | -25.0% | -17.9% | -19.0% | -3.5% | +87.0% | +41.1% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
BayCom Corp's Debt/EBITDA ratio is 2.4x, down from 2.7x last quarter — at a moderate level that warrants monitoring. The current ratio has improved 219929.2% YoY to 55.06x, strengthening the short-term liquidity position. Debt/Equity has declined for 5 consecutive quarters, reflecting a deleveraging trend.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.07 | 0.07 | 0.07 | 0.26 | 0.27 | 0.27 | 0.27 | 0.27 | 0.28 | 0.28 | 0.29 | 0.29 | 0.28 |
| — | -75.3% | -74.0% | -4.0% | -3.5% | -4.0% | -7.1% | -5.1% | -2.6% | -1.1% | +2.2% | +8.6% | +6.5% | |
| Debt / EBITDA | 0.62 | 2.42 | 2.74 | 9.16 | 10.38 | 9.75 | 9.42 | 10.22 | 9.68 | 9.16 | 8.88 | 8.17 | 8.18 |
| — | -75.2% | -70.9% | -10.3% | +7.3% | +6.4% | +6.2% | +25.1% | +18.3% | +23.5% | +8.5% | -36.9% | -27.6% | |
| Current Ratio | 55.06 | 55.06 | 0.02 | 0.09 | 0.02 | 0.03 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 | 0.10 | 0.11 |
| — | +219929.2% | -80.5% | -13.9% | -76.9% | -10.2% | +19.4% | +8.3% | -2.9% | -72.8% | -8.5% | -4.7% | +1.6% | |
| Quick Ratio | 55.06 | 55.06 | 0.02 | 0.09 | 0.02 | 0.03 | 0.12 | 0.11 | 0.10 | 0.03 | 0.10 | 0.10 | 0.11 |
| — | +219929.2% | -80.5% | -13.9% | -76.9% | -10.2% | +19.4% | +8.3% | -2.9% | -72.8% | -8.5% | -4.7% | +1.6% | |
| Interest Coverage | 0.80 | 1.01 | 0.58 | 0.85 | 0.79 | 0.77 | 0.79 | 0.75 | 0.87 | 1.02 | 1.16 | 1.44 | 2.09 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 41 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 14.5x. The average P/E over the last 4 quarters is 12.9x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
BayCom Corp's current operating margin is 23.2%. Margins have been expanding 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.