BCML - BayCom Corp
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$34.00
DETAILS
HIGH:
$34.00
LOW:
$34.00
MEDIAN:
$34.00
CONSENSUS:
$34.00
UPSIDE:
11.13%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | |||||||||||||||||||||
| Revenue | 141.8 | 137.7 | 132.9 | 111.2 | 92.8 | 95.6 | 85.5 | 64.0 | 48.8 | 31.0 | 27.1 | 20.4 | 15.4 | 11.6 | 18.6 | 8.5 | 6.6 | 6.6 | 4.5 | 2.4 | 0.3 |
| Cost of Revenue | 44.8 | 41.8 | 30.5 | 14.8 | 9.3 | 19.2 | 11.0 | 6.8 | 4.8 | 3.7 | 4.6 | 3.7 | 2.4 | 0 | 18.6 | 8.5 | 2.3 | 2.7 | 1.9 | 0.9 | 0.2 |
| Gross Profit | 97.1 | 95.9 | 102.4 | 96.5 | 83.5 | 76.4 | 74.6 | 57.2 | 44.0 | 27.4 | 22.6 | 16.7 | 13.0 | 11.6 | 0 | 0 | 4.2 | 3.9 | 2.6 | 1.5 | 0.1 |
| Operating Expenses | |||||||||||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 46.3 | 41.5 | 43.6 | 42.8 | 35.6 | 35.6 | 32.4 | 24.3 | 19.4 | 12 | 12.8 | 8.8 | 5.9 | 6.6 | 3.5 | 2.1 | 2.2 | 1.9 | 1.5 | 0 | 0.6 |
| Other Expenses | 17.9 | 22.3 | 20.7 | 21.3 | 19.5 | 22.6 | 18.4 | 12.4 | 10.5 | 5.0 | 0.6 | 1.0 | 2.5 | 0 | (1.8) | (1.1) | 1.5 | 0.9 | 0.7 | 1.5 | (0.5) |
| Operating Expenses | 64.2 | 63.8 | 64.3 | 64.0 | 55.0 | 58.2 | 50.9 | 36.7 | 29.9 | 17.0 | 13.4 | 9.8 | 8.4 | 7.8 | 1.8 | 1.1 | 3.6 | 2.9 | 2.2 | 1.5 | 0.1 |
| Operating Income | |||||||||||||||||||||
| Operating Income | 32.9 | 32.1 | 38.2 | 32.4 | 28.5 | 18.2 | 23.7 | 20.5 | 14.1 | 10.3 | 9.2 | 6.9 | 4.6 | 3.8 | 8.9 | 1.0 | 0.6 | 1.0 | 0.4 | 0 | 0 |
| Interest Expense | 40.9 | 40.6 | 28.5 | 10.4 | 8.8 | 8.9 | 8.7 | 4.9 | 4.3 | 3.1 | 3.1 | 2.6 | 2.1 | 0 | 0.0 | 0.0 | 2.1 | 2.5 | 1.6 | 0.6 | 0.1 |
| Interest Income | 134.6 | 130.1 | 124.9 | 105.8 | 80.7 | 86.4 | 75.8 | 56.2 | 43.8 | 29.2 | 25.4 | 19.5 | 14.8 | 0 | 0 | 0 | 5.8 | 6.3 | 4.4 | 2.3 | 0.3 |
| Profitability | |||||||||||||||||||||
| EBITDA | 36.1 | 35.4 | 41.1 | 36.5 | 32.3 | 21.9 | 26.5 | 22.6 | 15.8 | 11.2 | 10.1 | 7.6 | 5.1 | 0 | 7.6 | 1.2 | 1.2 | 1.2 | 0.4 | 0 | 0.0 |
| EBIT | 32.9 | 32.1 | 38.2 | 32.4 | 28.5 | 18.2 | 23.7 | 20.5 | 14.1 | 10.3 | 9.2 | 6.9 | 4.6 | 3.8 | 7.3 | 1.0 | 0.6 | 1.0 | 0.4 | 0 | 0 |
| Income Before Tax | 32.6 | 32.1 | 38.2 | 32.4 | 28.5 | 18.2 | 23.7 | 20.5 | 14.1 | 10.3 | 9.2 | 6.9 | 4.6 | 3.8 | 7.3 | 1.0 | 0.6 | 1.0 | 0.4 | 0 | 0 |
| Income Tax Expense | 8.7 | 8.5 | 10.7 | 8.7 | 7.8 | 4.5 | 6.4 | 6.0 | 8.9 | 4.4 | 1.7 | 1.7 | 1.9 | 1.7 | 0.0 | 0.4 | 0.3 | (0.2) | (0.0) | 0 | 0 |
| Net Income | 23.9 | 23.6 | 27.4 | 23.7 | 20.7 | 13.7 | 17.3 | 14.5 | 5.3 | 5.9 | 7.5 | 5.2 | 2.7 | 2.2 | 7.3 | 0.6 | 0.3 | 1.2 | 0.4 | (0.5) | (0.7) |
| Per Share Data | |||||||||||||||||||||
| EPS (Basic) | 2.18 | 2.10 | 2.27 | 1.81 | 1.90 | 1.15 | 1.37 | 1.50 | 0.81 | 1.10 | 1.37 | 1.09 | 0.56 | 0.45 | 1.92 | 0.26 | 0.20 | 0.78 | 0.00 | -0.34 | -0.48 |
| EPS (Diluted) | 2.18 | 2.10 | 2.27 | 1.81 | 1.90 | 1.15 | 1.37 | 1.50 | 0.81 | 1.09 | 1.36 | 1.08 | 0.54 | 0.45 | 1.92 | 0.26 | 0.20 | 0.77 | 0.00 | -0.34 | -0.48 |
| Shares Outstanding | 10.9 | 11.3 | 12.1 | 13.1 | 10.9 | 12.0 | 12.6 | 9.7 | 6.5 | 5.4 | 5.4 | 4.7 | 4.8 | 4.8 | 3.8 | 2.3 | 1.5 | 1.5 | 124.8 | 1.5 | 1.5 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2008 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||||
| Cash & Cash Equivalents | 26.8 | 23.4 | 19.1 | 29.2 | 24.8 | 37.4 | 25.2 | 24.8 | 16.5 | 7.2 | 9.9 | 0.1 |
| Short-Term Investments | 179.7 | 2.0 | 6.3 | 154.0 | 155.7 | 115.6 | 119.9 | 99.8 | 40.5 | 13.9 | 0 | 0 |
| Net Receivables | 8.3 | 28.6 | 31.9 | 30.4 | 16.5 | 15.9 | 11.4 | 3.7 | 3.0 | 13.8 | 1.0 | 0.1 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | (8.3) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 206.5 | 55.9 | 59.4 | 215.2 | 198.5 | 170.5 | 157.7 | 130.5 | 62.4 | 34.9 | 10.8 | 0.3 |
| Non-Current Assets | ||||||||||||
| Property, Plant & Equipment | 25.9 | 26.8 | 27.7 | 29.8 | 26.5 | 27.2 | 25.8 | 11.2 | 8.4 | 1.1 | 0.2 | 0.3 |
| Goodwill | 38.8 | 38.8 | 38.8 | 38.8 | 38.8 | 38.8 | 35.5 | 14.6 | 10.4 | 0 | 0 | 0 |
| Intangible Assets | 1.7 | 2.7 | 3.9 | 5.2 | 6.5 | 8.3 | 9.2 | 7.2 | 4.8 | 0.8 | 0 | 0 |
| Long-Term Investments | 2,266.8 | 2,151.5 | 2,085.2 | 2,027.9 | 1,680.8 | 1,638.5 | 1,455.2 | 972.8 | 891.2 | 504.3 | 97.5 | 16.8 |
| Other Non-Current Assets | (2,292.6) | 388.8 | 336.9 | 196.3 | 399.6 | 312.4 | 304.9 | 336.3 | 262.1 | 134.2 | 0.4 | 8.2 |
| Total Non-Current Assets | 40.6 | 2,608.6 | 2,492.5 | 2,298.1 | 2,152.2 | 2,025.2 | 1,836.5 | 1,347.9 | 1,183.4 | 640.4 | 98.0 | 25.3 |
| Total Assets | 2,593.7 | 2,664.5 | 2,552.0 | 2,513.3 | 2,350.7 | 2,195.7 | 1,994.2 | 1,478.4 | 1,245.8 | 675.3 | 108.9 | 25.6 |
| Current Liabilities | ||||||||||||
| Account Payables | 0 | 0 | 0 | 16.5 | 13.9 | 11.6 | 11.3 | 8.4 | 7.4 | 3.3 | 0 | 0 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 3.8 | 2,230.1 | 2,128.8 | 2,081.6 | 1,982.0 | 1,830.3 | 1,701.2 | 1,257.8 | 1,104.3 | 590.8 | 87.8 | 11.6 |
| Total Current Liabilities | 3.8 | 2,234.0 | 2,132.8 | 2,102.0 | 1,999.1 | 1,850.0 | 1,712.5 | 1,266.1 | 1,111.7 | 594.1 | 92.8 | 11.6 |
| Non-Current Liabilities | ||||||||||||
| Long-Term Debt | 8.7 | 72.4 | 72.4 | 72.2 | 71.9 | 76.7 | 8.2 | 8.2 | 11.4 | 0 | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 2,232.7 | 19.4 | 19.1 | 4.8 | 4.4 | 4.0 | 3.7 | 3.3 | 4.0 | 3.2 | 0.4 | 0.1 |
| Total Non-Current Liabilities | 2,255.1 | 106.1 | 106.3 | 94.2 | 89.0 | 93.0 | 27.5 | 11.5 | 15.4 | 3.2 | 0.4 | 0.1 |
| Total Liabilities | 2,255.1 | 2,340.1 | 2,239.1 | 2,196.2 | 2,088.1 | 1,943.1 | 1,740.0 | 1,277.6 | 1,127.2 | 597.2 | 93.3 | 11.7 |
| Stockholders' Equity | ||||||||||||
| Common Stock | 166.3 | 172.3 | 180.9 | 204.3 | 157.1 | 167.2 | 184.3 | 149.5 | 81.3 | 46.1 | 15.5 | 15.4 |
| Retained Earnings | 178.9 | 164.8 | 146.3 | 124.1 | 103.1 | 82.4 | 68.6 | 51.3 | 36.8 | 31.6 | (0.1) | (1.5) |
| Accumulated Other Comprehensive Income | (6.6) | (13.0) | (14.6) | (11.6) | 2.2 | 2.7 | 1.3 | (0.1) | 0.2 | 0.1 | 0.0 | (0.0) |
| Total Stockholders' Equity | 338.6 | 324.4 | 312.9 | 317.1 | 262.6 | 252.6 | 254.2 | 200.8 | 118.6 | 78.1 | 15.6 | 13.9 |
| Total Liabilities & Equity | 2,593.7 | 2,664.5 | 2,552.0 | 2,513.3 | 2,350.7 | 2,195.7 | 1,994.2 | 1,478.4 | 1,245.8 | 675.3 | 108.9 | 25.6 |
| Debt Metrics | ||||||||||||
| Total Debt | 22.4 | 86.8 | 87.2 | 89.3 | 84.6 | 89.0 | 23.8 | 8.2 | 11.4 | 0 | 5 | 0 |
| Net Debt | (4.4) | 63.4 | 68.1 | 60.1 | 59.8 | 51.6 | (1.4) | (16.7) | (5.1) | (7.2) | (4.9) | (0.1) |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | |||||||||||
| Net Income | 23.9 | 23.6 | 27.4 | 23.7 | 20.7 | 13.7 | 17.3 | 14.5 | 5.3 | 5.9 | (0.7) |
| Depreciation & Amortization | 3.0 | 3.3 | 3.0 | 4.0 | 3.9 | 3.7 | 2.8 | 2.1 | 1.6 | 0.9 | 0.0 |
| Stock-Based Compensation | 0.7 | 0.6 | 0.7 | 1.0 | 1.4 | 1.5 | 1.2 | 1.2 | 0.4 | 0.3 | 0 |
| Change in Working Capital | (1.9) | 0.3 | (4.9) | (0.9) | (2.0) | (1.7) | 3.1 | (1.3) | 3.9 | (1.6) | 0.0 |
| Other Non-Cash Items | 6.6 | 1.8 | 4.6 | 13.5 | (13.6) | (4.7) | (18.9) | (10.9) | (5.3) | (1.0) | 0.2 |
| Operating Cash Flow | 31.8 | 30.4 | 30.8 | 39.6 | 10.4 | 10.0 | 7.0 | 6.2 | 9.3 | 6.3 | (0.5) |
| Investing Activities | |||||||||||
| Capital Expenditure | (1.7) | (1.7) | (2.1) | (0.8) | (1.3) | (3.2) | (1.4) | (1.0) | (0.4) | (0.2) | (0.2) |
| Acquisitions | 0 | 0 | 0 | 18.4 | 0 | (8.4) | 32.6 | (13.0) | 85.0 | 0 | 0 |
| Purchases of Investments | (15.6) | (49.9) | (25.3) | (28.9) | (91.0) | (21.2) | (16.9) | (41.4) | (1.2) | 0 | (2.0) |
| Sales/Maturities of Investments | 38.6 | 21.9 | 11.6 | 11.1 | 31.0 | 31.2 | 29.5 | 38.8 | 7.7 | 9.6 | 0.2 |
| Other Investing Activities | (112) | (32.5) | 96.2 | 54.1 | 1.0 | (72.0) | (42.9) | 5.3 | (0.7) | (42.2) | (15.3) |
| Investing Cash Flow | (90.8) | (62.2) | 80.4 | 53.9 | (60.4) | (73.7) | 0.9 | (11.3) | 90.4 | (32.7) | (17.3) |
| Financing Activities | |||||||||||
| Net Debt Issuance | (64.7) | (0.3) | 0 | 0 | (5) | 66.8 | 0 | (6) | (9.9) | 0 | (1.1) |
| Stock Repurchased | (6.9) | (9.2) | (24.1) | (18.0) | (11.6) | (18.3) | (11.0) | 0 | (0.0) | (0.9) | 0 |
| Dividends Paid | (6.6) | (3.4) | (3.6) | (2.0) | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing Activities | (20.4) | 101.3 | 47.3 | (276.4) | 146.8 | 19.1 | (25.1) | 18.0 | 31.4 | 47.8 | 11.6 |
| Financing Cash Flow | (98.6) | 88.3 | 19.5 | (296.4) | 130.3 | 67.6 | (36.1) | 78.7 | 21.4 | 46.9 | 25.9 |
| Cash Position | |||||||||||
| Net Change in Cash | (157.5) | 56.5 | 130.7 | (202.9) | 80.4 | 3.9 | (28.2) | 73.7 | 121.2 | 20.5 | 8.1 |
| Cash at Beginning | 364.0 | 307.5 | 176.8 | 379.7 | 299.3 | 295.4 | 323.6 | 249.9 | 128.7 | 108.2 | 0.1 |
| Cash at End | 206.5 | 364.0 | 307.5 | 176.8 | 379.7 | 299.3 | 295.4 | 323.6 | 249.9 | 128.7 | 8.3 |
| Free Cash Flow | 30.1 | 28.7 | 28.7 | 38.8 | 9.1 | 6.8 | 5.6 | 5.2 | 9.0 | 6.1 | (0.7) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2008 | 2007 | 2006 | 2005 | 2004 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||||||||||
| Revenue | 141.8 | 137.7 | 132.9 | 111.2 | 92.8 | 95.6 | 85.5 | 64.0 | 48.8 | 31.0 | 27.1 | 20.4 | 15.4 | 11.6 | 18.6 | 8.5 | 6.6 | 6.6 | 4.5 | 2.4 | 0.3 |
| Gross Profit | 97.1 | 95.9 | 102.4 | 96.5 | 83.5 | 76.4 | 74.6 | 57.2 | 44.0 | 27.4 | 22.6 | 16.7 | 13.0 | 11.6 | 0 | 0 | 4.2 | 3.9 | 2.6 | 1.5 | 0.1 |
| Operating Income | 32.9 | 32.1 | 38.2 | 32.4 | 28.5 | 18.2 | 23.7 | 20.5 | 14.1 | 10.3 | 9.2 | 6.9 | 4.6 | 3.8 | 8.9 | 1.0 | 0.6 | 1.0 | 0.4 | 0 | 0 |
| Net Income | 23.9 | 23.6 | 27.4 | 23.7 | 20.7 | 13.7 | 17.3 | 14.5 | 5.3 | 5.9 | 7.5 | 5.2 | 2.7 | 2.2 | 7.3 | 0.6 | 0.3 | 1.2 | 0.4 | (0.5) | (0.7) |
| EPS (Diluted) | 2.18 | 2.10 | 2.27 | 1.81 | 1.90 | 1.15 | 1.37 | 1.50 | 0.81 | 1.09 | 1.36 | 1.08 | 0.54 | 0.45 | 1.92 | 0.26 | 0.20 | 0.77 | 0.00 | -0.34 | -0.48 |
| Balance Sheet | |||||||||||||||||||||
| Cash & Equivalents | 26.8 | 23.4 | 19.1 | 29.2 | 24.8 | 37.4 | 25.2 | 24.8 | 16.5 | 7.2 | 9.9 | 0.1 | |||||||||
| Total Assets | 2,593.7 | 2,664.5 | 2,552.0 | 2,513.3 | 2,350.7 | 2,195.7 | 1,994.2 | 1,478.4 | 1,245.8 | 675.3 | 108.9 | 25.6 | |||||||||
| Total Debt | 22.4 | 86.8 | 87.2 | 89.3 | 84.6 | 89.0 | 23.8 | 8.2 | 11.4 | 0 | 5 | 0 | |||||||||
| Stockholders' Equity | 338.6 | 324.4 | 312.9 | 317.1 | 262.6 | 252.6 | 254.2 | 200.8 | 118.6 | 78.1 | 15.6 | 13.9 | |||||||||
| Cash Flow | |||||||||||||||||||||
| Operating Cash Flow | 31.8 | 30.4 | 30.8 | 39.6 | 10.4 | 10.0 | 7.0 | 6.2 | 9.3 | 6.3 | (0.5) | ||||||||||
| Capital Expenditure | (1.7) | (1.7) | (2.1) | (0.8) | (1.3) | (3.2) | (1.4) | (1.0) | (0.4) | (0.2) | (0.2) | ||||||||||
| Free Cash Flow | 30.1 | 28.7 | 28.7 | 38.8 | 9.1 | 6.8 | 5.6 | 5.2 | 9.0 | 6.1 | (0.7) | ||||||||||