BayCom Corp (BCML) quarterly income statement — complete revenue, gross profit & net income history
| Metric | 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 | Q2'21 |
|---|
| Net Interest Income | 25.2M | 25M | 23.01M | 23.16M | 22.49M | 23.18M | 22.48M | 21.9M | 21.99M | 23.14M | 24.43M | 23.94M | 24.93M | 26.09M | 24.44M | 22.87M | 22.08M | 18.93M | 17.5M | 17.54M |
| NII Growth % | 12.05% | 7.87% | 2.37% | 5.74% | 2.25% | 0.19% | -8% | -8.51% | -11.77% | -11.32% | -0.02% | 4.69% | 12.87% | 37.79% | 39.61% | 30.36% | 23.56% | 4.49% | -6.85% | -15.59% |
| Net Interest Margin % | 0.95% | 0.96% | 0.88% | 0.88% | 0.88% | 0.87% | 0.88% | 0.84% | 0.86% | 0.91% | 0.95% | 0.93% | 0.98% | 1.04% | 0.96% | 0.85% | 0.8% | 0.81% | 0.74% | 0.75% |
| Interest Income | 34.55M | 34.34M | 34.55M | 33.45M | 32.25M | 33.74M | 33.04M | 32.01M | 31.33M | 31.8M | 32.45M | 30.92M | 29.72M | 29.13M | 26.85M | 25.32M | 24.54M | 21.12M | 19.73M | 19.75M |
| Interest Expense | 9.35M | 9.34M | 11.54M | 10.29M | 9.77M | 10.56M | 10.56M | 10.11M | 9.34M | 8.66M | 8.02M | 6.98M | 4.8M | 3.04M | 2.41M | 2.45M | 2.45M | 2.18M | 2.22M | 2.21M |
| Loan Loss Provision | -670K | 250K | 2.97M | 203K | 642K | -403K | 1.25M | 171K | 252K | 2.33M | 674K | -1.26M | 275K | 617K | 1.19M | 2.62M | 7K | 496K | 477K | -507K |
| Non-Interest Income | 1.54M | 1.21M | 2.99M | 1.51M | 1.85M | 386K | 3M | 1.73M | 2.47M | 2.85M | 2M | 1.34M | 1.83M | 1.89M | 2.55M | 380K | 1.2M | 2.86M | 4.18M | 2.65M |
| Non-Interest Income % | 4.28% | 3.41% | 7.97% | 4.33% | 5.41% | 1.13% | 8.33% | 5.12% | 7.31% | 8.23% | 5.79% | 4.15% | 5.79% | 6.09% | 8.67% | 1.48% | 4.65% | 11.94% | 17.5% | 11.81% |
| Total Revenue | 36.09M | 35.55M | 37.54M | 34.97M | 34.1M | 34.13M | 36.04M | 33.74M | 33.8M | 34.65M | 34.45M | 32.26M | 31.55M | 31.02M | 29.4M | 25.7M | 25.73M | 23.98M | 23.91M | 22.4M |
| Revenue Growth % | 5.86% | 4.18% | 4.16% | 3.63% | 0.89% | -1.51% | 4.62% | 4.59% | 7.12% | 11.72% | 17.18% | 25.52% | 22.62% | 29.34% | 22.96% | 14.74% | 14.39% | 1.49% | 4.06% | -6.77% |
| Non-Interest Expense | 16.51M | 16.49M | 16.29M | 15.75M | 16M | 15.88M | 15.95M | 15.86M | 16.06M | 14.86M | 16.48M | 16.47M | 16.46M | 16.31M | 15.98M | 15.11M | 16.62M | 13.79M | 13.82M | 13.36M |
| Efficiency Ratio | 45.73% | 46.39% | 43.39% | 45.06% | 46.93% | 46.54% | 44.24% | 47.02% | 47.53% | 42.88% | 47.85% | 51.06% | 52.18% | 52.59% | 54.34% | 58.8% | 64.58% | 57.49% | 57.8% | 59.66% |
| Operating Income | 10.9M | 9.47M | 6.74M | 8.72M | 7.69M | 8.09M | 8.29M | 7.59M | 8.15M | 8.8M | 9.27M | 10.07M | 10.01M | 11.05M | 9.82M | 5.51M | 6.66M | 7.52M | 7.39M | 7.33M |
| Operating Margin % | 30.21% | 26.65% | 17.95% | 24.93% | 22.55% | 23.7% | 23% | 22.51% | 24.1% | 25.4% | 26.91% | 31.22% | 31.74% | 35.63% | 33.39% | 21.45% | 25.87% | 31.35% | 30.91% | 32.74% |
| Operating Income Growth % | 41.83% | 17.14% | -18.73% | 14.76% | -5.61% | -8.11% | -10.56% | -24.58% | -18.65% | -20.36% | -5.57% | 82.63% | 50.45% | 47.01% | 32.81% | -24.81% | 6.74% | 35.63% | 68.61% | 69.82% |
| Pretax Income | 10.9M | 9.47M | 6.74M | 8.72M | 7.69M | 8.09M | 8.29M | 7.59M | 8.15M | 8.8M | 9.27M | 10.07M | 10.01M | 11.05M | 9.82M | 5.51M | 6.66M | 7.52M | 7.39M | 7.33M |
| Pretax Margin % | 30.21% | 26.65% | 17.95% | 24.93% | 22.55% | 23.7% | 23% | 22.51% | 24.1% | 25.4% | 26.91% | 31.22% | 31.74% | 35.63% | 33.39% | 21.45% | 25.87% | 31.35% | 30.91% | 32.74% |
| Income Tax | 2.73M | 2.62M | 1.73M | 2.35M | 1.99M | 1.97M | 2.27M | 2M | 2.27M | 2.41M | 2.64M | 2.86M | 2.82M | 3M | 2.85M | 1.61M | 1.43M | 2.08M | 1.98M | 2.02M |
| Effective Tax Rate % | 24.99% | 27.61% | 25.69% | 26.98% | 25.84% | 24.33% | 27.43% | 26.27% | 27.85% | 27.33% | 28.48% | 28.44% | 28.19% | 27.14% | 29% | 29.14% | 21.44% | 27.67% | 26.79% | 27.61% |
| Net Income | 8.18M | 6.86M | 5.01M | 6.36M | 5.7M | 6.12M | 6.02M | 5.6M | 5.88M | 6.4M | 6.63M | 7.21M | 7.19M | 8.05M | 6.97M | 3.91M | 5.23M | 5.44M | 5.41M | 5.31M |
| Net Margin % | 22.66% | 19.29% | 13.34% | 18.2% | 16.72% | 17.93% | 16.69% | 16.6% | 17.39% | 18.46% | 19.25% | 22.34% | 22.79% | 25.96% | 23.71% | 15.2% | 20.32% | 22.68% | 22.63% | 23.7% |
| Net Income Growth % | 43.46% | 12.06% | -16.79% | 13.64% | -2.98% | -4.32% | -9.25% | -22.29% | -18.27% | -20.57% | -4.88% | 84.44% | 37.52% | 48.07% | 28.79% | -26.39% | 15.38% | 19.78% | 66.57% | 70.18% |
| Net Income (Continuing) | 8.18M | 6.86M | 5.01M | 6.36M | 5.7M | 6.12M | 6.02M | 5.6M | 5.88M | 6.4M | 6.63M | 7.21M | 7.19M | 8.05M | 6.97M | 3.91M | 5.23M | 5.44M | 5.41M | 5.31M |
| EPS (Diluted) | 0.75 | 0.63 | 0.46 | 0.58 | 0.51 | 0.55 | 0.54 | 0.50 | 0.51 | 0.55 | 0.56 | 0.59 | 0.55 | 0.62 | 0.54 | 0.38 | 0.51 | 0.51 | 0.51 | 0.49 |
| EPS Growth % | 47.06% | 14.55% | -14.81% | 16% | 0% | 0% | -3.57% | -15.25% | -7.27% | -11.29% | 3.7% | 55.26% | 7.84% | 21.57% | 5.88% | -22.45% | 27.5% | 30.77% | 88.89% | 88.46% |
| EPS (Basic) | 0.75 | 0.63 | 0.46 | 0.58 | 0.51 | 0.55 | 0.54 | 0.50 | 0.51 | 0.55 | 0.56 | 0.59 | 0.55 | 0.62 | 0.54 | 0.38 | 0.51 | 0.51 | 0.51 | 0.49 |
| Diluted Shares Outstanding | 10.91M | 10.9M | 10.93M | 11M | 11.14M | 11.12M | 11.15M | 11.25M | 11.53M | 11.57M | 11.81M | 12.23M | 12.7M | 12.96M | 13.31M | 13.58M | 12.65M | 10.68M | 10.69M | 10.89M |