BayCom Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	6.09	6.38	6.98	6.1	11.27
Revenue Growth (YoY)	-4.56%	-8.60%	14.38%	-45.86%	28.41%
Gross Profit	6.09	6.38	6.98	6.1	11.27
Selling, General & Admin	63.86	64.13	64.68	65.94	55.13
Other Operating Expenses	4.07	1.27	2.02	4.44	0.47
Total Operating Expenses	67.92	65.4	66.69	70.38	55.6
Operating Income	-61.84	-59.02	-59.72	-64.28	-44.33
Interest Income	135.39	131.71	126.34	107.07	81.61
Interest Expense	-40.94	-40.57	-28.46	-10.35	-8.8
Total Non-Operating Income (Expense)	94.45	91.14	97.87	96.71	72.81
Pretax Income	32.62	32.12	38.16	32.44	28.48
Provision for Income Taxes	8.69	8.51	10.73	8.71	7.79
Net Income	23.93	23.61	27.43	23.73	20.69
Net Income to Common	23.93	23.61	27.43	23.73	20.69
Net Income Growth	1.34%	-13.90%	15.57%	14.69%	50.74%
Shares Outstanding (Basic)	11	11	12	13	11
Shares Outstanding (Diluted)	11	11	12	13	11
Shares Change (YoY)	-2.41%	-6.72%	-8.00%	20.60%	-9.05%
EPS (Basic)	2.18	2.10	2.27	1.81	1.90
EPS (Diluted)	2.18	2.10	2.27	1.81	1.90
EPS Growth	3.81%	-7.49%	25.41%	-4.74%	65.22%
Free Cash Flow	30.09	28.66	28.68	38.77	9.12
Free Cash Flow Growth	4.99%	-0.08%	-26.03%	325.10%	34.47%
Free Cash Flow Per Share	2.74	2.54	2.38	2.95	0.84
Dividends Per Share	0.900	0.450	0.400	0.200	-
Dividend Growth	100.00%	12.50%	100.00%	-	-
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	-1016.05%	-925.53%	-855.90%	-1053.70%	-393.39%
Profit Margin	393.21%	370.30%	393.08%	389.02%	183.63%
FCF Margin	494.33%	449.36%	411.05%	635.56%	80.94%
EBITDA	-58.85	-55.75	-56.75	-60.26	-40.47
EBITDA Margin	-966.91%	-874.30%	-813.43%	-987.82%	-359.17%
EBIT	-61.84	-59.02	-59.72	-64.28	-44.33
EBIT Margin	-1016.05%	-925.53%	-855.90%	-1053.70%	-393.39%
Effective Tax Rate	26.63%	26.48%	28.13%	26.85%	27.35%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.

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