BayCom Corp
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
| Net income | $23.9M | $23.6M | $27.4M | $23.7M | $20.7M | $13.7M |
| Total assets | $2.59B | $2.66B | $2.55B | $2.51B | $2.35B | $2.20B |
| Total liabilities | $2.26B | $2.34B | $2.24B | $2.20B | $2.09B | $1.94B |
| Equity | $338.6M | $324.4M | $312.9M | $317.1M | $262.6M | $252.6M |
| EPS (diluted) | $2.18 | $2.10 | $2.27 | $1.81 | $1.90 | $1.15 |
| Shares out. | 11.1M | 11.5M | 12.5M | 13.7M | 11.2M | 12.3M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 7.1%
- Return on assets
- 0.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 86.9%
- Debt / equity
- 6.66×
- Book value / share
- $30.42
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 1.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.3%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 2 good- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Bay Pond Partners, L.P.Passive (13G)May 15, 2026
- Vanguard Capital Management LlcPassive (13G)Apr 29, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Wellington Management Group LlpPassive (13G)Feb 10, 2026
- Royce & Associates LpPassive (13G)Jul 22, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Perdue Michael JDirector | May 22, 2026 | Buy | 2,000 | $30.94 |
| Black William JOfficer — Executive Vice Chair | May 5, 2026 | Buy | 6,533 | $29.99 |
| Guarini George J.Officer — President and CEO | Mar 4, 2026 | Gift | 8,693 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 110,631 | 2.3 | +4.7% |
| Apr 30, 2026 | 105,717 | 2.5 | -6.0% |
| Apr 15, 2026 | 112,443 | 2.5 | +4.4% |
| Mar 31, 2026 | 107,714 | 3.8 | +10.8% |
| Mar 13, 2026 | 97,200 | 3.6 | +0.2% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 22, 2026
- Results of operationsApr 23, 2026
- Director / officer change · Other material eventApr 23, 2026
- Director / officer change · Regulation FD disclosureApr 9, 2026
- Other material eventFeb 19, 2026
- Results of operationsJan 22, 2026
- Other material eventNov 20, 2025
- Results of operationsOct 23, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (1)
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