| Nov 25 | Feb 26 | May 26 | Aug 26 | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Buy | — | — | — | — | — | — | — | 2 | — | 1 | 3 | — |
| Sell | — | — | — | — | — | — | — | — | — | — | — | — |
| total | individual payouts | |
|---|---|---|
| 2027 | ‡‡‡ |
|
| 2026 | 1.20 |
—
—
—
|
| 2025 | 0.90 |
—
—
—
—
|
| 2024 | 0.55 |
—
—
—
—
—
|
| 2023 | 0.40 |
—
—
—
—
|
| 2022 | 0.20 |
—
—
—
—
|
| 2021 | ‡‡‡ |
|
| 2020 | ‡‡‡ |
|
| 2019 | ‡‡‡ |
|
| 2018 | ‡‡‡ |
|
| 2017 | ‡‡‡ |
|
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Cash | 308.78 | 364.28 | 206.51 | 177.38 |
| Receivables | — | — | — | — |
| Inventory | — | — | — | — |
| Other | — | — | — | — |
| 2,261.99 | 2,345.21 | 2,291.35 | 2,272.92 |
| 2023 | 2024 | 2025 | Q'26 | |
|---|---|---|---|---|
| Payables | 2,132.75 | 2,234.01 | 2,213.64 | 2,169.92 |
| ST’ Debt | — | — | — | — |
| Other | — | — | — | — |
| 2,147.34 | 2,248.64 | 2,227.62 | 2,192.88 |
| 10y | 5y | 3y | |
| Sales | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Cash Flow | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Earnings | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Book Value | — | ‡‡‡‡‡ | ‡‡‡‡‡ |
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 36.10 | 33.74 | — | — |
—
|
| ’25 | 34.09 | 34.97 | 37.20 | 35.23 |
141.48
|
| ’24 | 33.81 | 33.89 | 36.17 | 34.22 |
138.09
|
| ’23 | 31.62 | 32.35 | 34.48 | 34.87 |
133.31
|
| ’22 | 27.44 | 25.80 | 29.52 | 30.41 |
113.17
|
| ’21 | 22.51 | 22.45 | 23.97 | 23.95 |
92.88
|
| ’20 | 25.07 | 24.11 | 23.05 | 23.73 |
95.97
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 6.99 | 5.13 | — | — |
—
|
| ’25 | 9.28 | 6.37 | 7.35 | 8.84 |
31.83
|
| ’24 | 5.08 | 7.67 | 9.62 | 7.99 |
30.36
|
| ’23 | 8.19 | 11.60 | 2.60 | 8.41 |
30.80
|
| ’22 | 2.85 | 8.66 | 12.26 | 15.86 |
39.61
|
| ’21 | 0.65 | 7.82 | (3.08) | 5.04 |
10.43
|
| ’20 | (2.96) | 3.86 | 5.26 | 3.84 |
10.00
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 6.69 | 4.53 | — | — |
—
|
| ’25 | 9.14 | 5.62 | 6.23 | 9.10 |
30.09
|
| ’24 | 3.94 | 7.42 | 9.36 | 7.93 |
28.66
|
| ’23 | 8.04 | 11.58 | 2.07 | 6.99 |
28.68
|
| ’22 | 2.67 | 8.49 | 11.99 | 15.62 |
38.77
|
| ’21 | 0.30 | 7.52 | (3.47) | 4.82 |
9.17
|
| ’20 | (3.81) | 3.70 | 3.83 | 3.72 |
7.44
|
| Mar | Jun | Sep | Dec | Year | |
|---|---|---|---|---|---|
| ’26 | 0.75 | (0.64) | — | — |
—
|
| ’25 | 0.51 | 0.58 | 0.46 | 0.63 |
2.18
|
| ’24 | 0.51 | 0.50 | 0.54 | 0.55 |
2.10
|
| ’23 | 0.55 | 0.59 | 0.56 | 0.55 |
2.27
|
| ’22 | 0.51 | 0.38 | 0.54 | 0.62 |
2.06
|
| ’21 | 0.40 | 0.49 | 0.51 | 0.51 |
1.90
|
| ’20 | 0.23 | 0.26 | 0.27 | 0.39 |
1.15
|
| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 17.52 | 15.02 | 18.54 | 22.22 | — | — | — |
Low Price
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 23.54 | 24.31 | 30.13 | 33.15 | — | — | — |
High Price
|
| — | — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | 374 | 358 | 324 | 327 | — | — | — |
Employees
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.30 | 0.37 | 0.43 | 0.43 | — | — | — |
Revenue/Emp
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 113.17 | 133.31 | 138.09 | 141.48 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 90.85% | 78.65% | 70.62% | 71.07% | — | — | — |
Gross Margin
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 32.44 | 38.16 | 32.12 | 32.62 | — | — | — |
EBT
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡ | ‡‡‡‡‡ | 28.66% | 28.62% | 23.26% | 23.05% | ‡‡‡ | ‡‡‡ | — |
EBT Margin
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 23.73 | 27.43 | 23.61 | 23.93 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Net Income
|
| — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 4.61 | 3.30 | 3.30 | 3.13 | — | — | — |
Depreciation
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.62 | 11.04 | 12.26 | 12.87 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Revenue/Sh
|
| ‡‡‡ | ‡‡‡‡ | ‡‡‡ | ‡‡‡‡ | ‡‡‡‡ | ‡‡‡ | 2.06 | 2.27 | 2.10 | 2.18 | ‡‡‡‡ | ‡‡‡‡‡ | — |
Earnings/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.02 | 2.55 | 2.70 | 2.90 | — | — | — |
Cash Flow/Sh
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.06) | (0.18) | (0.15) | (0.16) | ‡‡‡ | ‡‡‡ | — |
Capex/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.95 | 2.38 | 2.54 | 2.74 | — | — | — |
Free CF/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 24.17 | 25.91 | 28.80 | 30.80 | — | — | — |
Book Value/Sh
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 13.12 | 12.07 | 11.26 | 10.99 | ‡‡‡‡‡ | ‡‡‡‡‡ | — |
Shares
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 9.26 | 10.36 | 12.78 | 13.49 | ‡‡‡‡ | ‡‡‡‡ | — |
PE Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 2.20 | 2.11 | 2.19 | 2.28 | ‡‡‡ | ‡‡‡ | — |
PS Ratio
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.79 | 0.90 | 0.93 | 0.95 | ‡‡‡ | ‡‡‡ | — |
PB Ratio
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 1.29 | 0.36 | 0.10 | 0.91 | ‡‡‡‡ | ‡‡‡‡ | — |
EV/Sales
|
| ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 3.77 | 1.67 | 0.47 | 4.27 | — | — | — |
EV/FCF
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 39.61 | 30.80 | 30.36 | 31.83 | ‡‡‡ | ‡‡‡ | — |
Op' Cash Flow
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (0.84) | (2.12) | (1.70) | (1.75) | — | — | — |
Capex
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 38.77 | 28.68 | 28.66 | 30.09 | — | — | — |
FCF
|
| — | — | — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 127.18 | 114.65 | 96.57 | 63.73 | — | — | — |
Working Cap'
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 76.20 | 72.45 | 72.38 | 8.73 | — | — | — |
Total Debt
|
| — | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | (102.86) | (236.34) | (291.90) | (197.79) | — | — | — |
Net Debt
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 317.15 | 312.87 | 324.37 | 338.55 | — | — | — |
Sh' Equity
|
| ‡‡‡ | ‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 0.98% | 1.08% | 0.91% | 0.91% | — | — | — |
ROA
|
| ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | ‡‡‡‡‡ | ‡‡‡ | 9.46% | 31.16% | 61.83% | 14.48% | — | — | — |
ROIC
|
| ‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | ‡‡‡‡‡ | 8.19% | 8.71% | 7.41% | 7.22% | — | — | — |
ROE
|
Bay Commercial Bank (BCML), a California community bank focused on small and medium-sized businesses, has delivered impressive growth over the past decade, with revenues surging from $31 million in 2016 to a peak of $138 million in 2024 at a 20% CAGR, driven by smart deposit growth and loan expansion amid low rates and post-COVID recovery. Profitability has held resilient, with net income climbing to $23.6 million in 2024 and EPS reaching $2.10, supported by strong free cash flow per share ($2.54) and a conservative balance sheet featuring growing equity ($324 million) and negative net debt—helping it weather 2023’s regional banking turmoil like SVB’s collapse.
Yet, headwinds loom: forecasts predict a 30% revenue drop to $97 million in 2025 due to eroding net interest margins from Fed rate hikes, though a rebound to $110 million by 2027 and EPS of $2.90 signals recovery potential. Trading near highs at a reasonable 12.8x trailing PE (forward easing to 10.6x) and ultra-low EV/Sales of 0.1x, shares near book value hint at undervaluation or M&A appeal, tempered by insider selling and cyclical risks. Analysts see modest 1-11% upside, making BCML a steady hold for patient value hunters eyeing banking’s next cycle.
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