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Bay Commercial Bank

BCML Financial Banks Regional

Bay Commercial Bank’s revenue for fiscal 2025 (year ended December 2025) was $141.5 million, up 2.45% from fiscal 2024.

Revenue
−3.52%
EPS
−210.3%
Free cash flow
−19.5%
Total debt
−57.4%

Quarter to June 2026, against a year earlier

31.07 0.23 +0.75%
Market cap
$336.8M
P/E
25.7×
Fwd P/E
38.5×
Dividend yield
3.89%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 1.61
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — 2 — 1 3 — — —
Sell — — — — — — — — — — — —
Insider Ownership 6.96%

Capital & Financial Ratios $m

Size
Market Cap 336.78
Revenue ttm 142.25
Net income ttm 13.08
Free cash flow ttm 26.55
Net debt Q (146.49)
Valuation
P/E 25.69
Forward P/E 38.50 (above 35: high)
Price / sales 2.36
Forward P/S Powerpack
Price / FCF 12.67
Price / book 1.00
Financial health
Current ratio Q 1.04
Debt / equity Q 0.09
Interest coverage Q —
Growth
Revenue growth Q −3.52% (below 0%: shrinking)
Operating income growth Q −182.43% (below 0%: shrinking)
EPS, this year −5.16% (below 0%: weak)
EPS, next year A +16.32% (at or above 15%: strong)
Revenue, next year A −28.26% (below 0%: weak)
EPS, past 5 yrs +13.65%
EPS, next 5 yrs A +7.03%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 98.28%
10-year low 10-year high
P/S against its own 10 years 58.67%
10-year low 10-year high
P/B against its own 10 years 92.33%
10-year low 10-year high

Dividends raised every year since 2022

Yield
3.89%
Annual rate
1.20
Payout ratio
100.0%
Growth, 2022–25
+65.1%/yr
  1. 0.20 ’22
  2. 0.40 ’23 +100
  3. 0.55 ’24 +38
  4. 0.90 ’25 +64
  5. 1.20 ’26e +33
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 309 364 207 177
Receivables — — — —
Inventory — — — —
Other — — — —
2,262 2,345 2,291 2,273
2023 2024 2025 Q'26
Payables 2,133 2,234 2,214 2,170
ST’ Debt — — — —
Other — — — —
2,147 2,249 2,228 2,193

Compound Annual Growth %

10y 5y 3y
Sales 17.92% 8.07% 7.73%
Cash Flow — 26.07% (7.03%)
Earnings 12.37% 11.76% 0.28%
Book Value — 6.03% 2.20%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 0.56 Actual 0.64

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 0.65 0.63 Miss by 0.02
Q1 FY26 0.62 0.75 Beat by 0.13
Q2 FY26 0.64 0.32 Miss by 0.32
Q3 FY26 0.56 0.64 Beat by 0.08
Q4 FY26 0.59 — Reports 28 January 2027

EPS $

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 0.29 0.54 0.62 1.81
’21 0.40 0.49 0.51 0.51 1.90
’20 0.23 0.26 0.27 0.39 1.15
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 36 34 — — —
’25 34 35 37 35 141
’24 34 34 36 34 138
’23 32 32 34 35 133
’22 27 26 30 30 113
’21 23 22 24 24 93
’20 25 24 23 24 96
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 7 5 — — —
’25 9 6 7 9 32
’24 5 8 10 8 30
’23 8 12 3 8 31
’22 3 9 12 16 40
’21 1 8 (3) 5 10
’20 (3) 4 5 4 10
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 7 5 — — —
’25 9 6 6 9 30
’24 4 7 9 8 29
’23 8 12 2 7 29
’22 3 8 12 16 39
’21 0 8 (3) 5 9
’20 (4) 4 4 4 7
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

2.5
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 31 49 64 86 96 93 113 133 138 141 142 +18.4% 102 107 116 (6.5%)
Gross margin, % 100.00 100.00 92.27 89.86 90.73 90.52 90.85 78.65 70.62 71.07 72.76 (28.9) pt
EBT 31 49 20 24 18 28 32 38 32 33 20 +0.6%
EBT margin, % 100.00 100.00 32.04 27.51 19.00 30.66 28.66 28.62 23.26 23.05 14.01 (76.9) pt
Net income 0 0 14 17 14 21 24 27 24 24 13 n/m
Per share, $
Per share, $ Revenue 5.75 7.61 6.60 7.32 8.02 8.53 8.62 11.04 12.26 12.87 13.04 +9.4%
Earnings 1.10 0.82 1.50 1.47 1.15 1.90 1.81 2.27 2.10 2.18 1.20 +7.9%
Cash flow 1.17 1.57 0.64 0.59 0.84 0.96 3.02 2.55 2.70 2.90 2.59 +10.6%
Capex 0.00 0.00 (0.10) 0.30 (0.21) (0.12) (0.06) (0.18) (0.15) (0.16) (0.16) n/m
Free cash flow 1.17 1.57 0.54 0.89 0.62 0.84 2.95 2.38 2.54 2.74 2.43 +9.9%
Book value 14.46 18.46 0.00 21.62 21.11 24.13 24.17 25.91 28.80 30.80 30.74 +8.8%
Shares, m 5 6 10 12 12 11 13 12 11 11 11 +8.2%
Valuation, ×
Valuation, × P/E 13.69 20.05 14.99 15.36 13.19 9.82 9.69 10.36 12.78 13.49 25.69 13.3
P/S 2.60 2.84 3.92 3.26 1.89 2.20 2.20 2.11 2.19 2.28 2.36 2.6
P/B 0.00 0.00 0.00 1.11 0.72 0.78 0.79 0.90 0.93 0.95 1.00 0.6
EV/Sales 2.60 2.84 3.92 (0.09) (0.51) (1.15) 1.26 0.34 0.08 0.89 — 1.0
EV/FCF 0.00 0.00 48.04 (0.49) (6.56) (11.69) 3.67 1.57 0.36 4.17 — 3.9
Cash, $m
Cash, $m Operating cash flow 6 10 6 7 10 10 40 31 30 32 28 +19.7%
Capex 0 (4) (1) 4 (3) (1) (1) (2) (2) (2) (2) +25.8%
Free cash flow 6 10 5 11 7 9 39 29 29 30 27 +18.9%
Balance, $m
Balance, $m Working capital — — — 57 119 68 127 115 97 64 80 +2.0%
Net debt — 11 8 (289) (230) (311) (107) (236) (292) (198) (146) n/m
Shareholders’ equity 78 119 — 254 253 263 317 313 324 339 335 +17.7%
Returns, %
Returns, % ROA 0.00 0.00 0.00 1.74 0.66 0.91 0.98 1.08 0.91 0.91 0.50 +0.9 pt
ROIC 24.83 23.58 160.07 0.00 51.23 0.00 9.64 31.16 61.83 14.48 6.59 (10.3) pt
ROE 6.00 5.34 9.06 7.61 5.42 8.03 8.19 8.71 7.41 7.22 3.93 +1.2 pt
People
People Employees — — — — 315 307 374 358 324 327 — +0.8%
Revenue/emp, $m 0.00 0.00 0.00 0.00 0.30 0.30 0.30 0.37 0.43 0.43 — n/m
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 25 Oct 2026

Bay Commercial Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
BRBS Blue Ridge Bankshares, Inc. $357.9M — (loss-making) — −19.39% (below 0%: shrinking) n/m −29.11% (below 0%: shrinking) 59.82% 0.00% Compare
CFFI C&F Financial Corporation $352.3M 11.7× 11.5× +4.17% (above 0%: growing) +16.97% (above 0%: growing) +15.92% (above 0%: growing) 77.02% 0.00% Compare
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00% Compare
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BCML Bay Commercial Bank $336.8M 25.7× 38.5× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00%
MVBF Mvb Financial Corp. $332.5M 14.8× 12.8× −27.72% (below 0%: shrinking) −97.79% (below 0%: shrinking) +55.49% (above 0%: growing) 70.96% 0.00% Compare
COSO CoastalSouth Bancshares, Inc. $331.6M 12.3× 11.6× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
CBNA Chain Bridge Bancorp, Inc. $329.7M 12.2× 9.8× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $323.2M 13.2× 11.8× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
Median of peers $338.5M 12.3× 11.8× +5.32% +16.97% +101.50% 70.24% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 29 April 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.80m 1.72m 143.52
2024 1.15m 1.09m 143.52
2023 1.11m 1.20m 126.40

Ownership

Directors and executive officers, together 2.90%
Wellington Management Group LLP 9.70%
Blackrock, Inc. 8.90%
Royce & Associates LP. 6.70%
Dimensional Fund Advisors LP. 5.50%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

Bay Commercial Bank (BCML) Latest News

24 Oct

Impact 3 · · Simply Wall St.

22 Oct

Impact 4 · · Business Wire earnings
Impact 3 ·
Impact 3 · · Zacks

15 Oct

Impact 3 · · Zacks

23 Jul

Impact 3 ·
Impact 3 ·

23 Apr

Impact 4 · · Zacks
Impact 4 · · Business Wire

13 Apr

Impact 4 · · bankingdive.com

9 Apr

Impact 4 · · Business Wire

10 Feb

Impact 3 · · Zacks

3 Feb

Impact 4 · · Zacks

22 Jan

Impact 3 · · Zacks
Impact 3 · · Business Wire

18 Dec

Impact 4 · · Simply Wall St.

15 Dec

Impact 3 · · Zacks

20 Nov

Impact 4 · · Business Wire

7 Nov

Impact 4 · · Simply Wall St.

23 Oct

Impact 3 · · ZacksZacksZacks
Impact 3 ·
Impact 3 · · Zacks

9 Oct

Impact 3 · · Zacks

4 Sep

Impact 3 · · Zacks

22 Aug

Impact 3 ·

21 Aug

Impact 4 ·

17 Jul

Impact 3 · · Zacks
Impact 3 · · Business Wire earnings

11 Jul

Impact 4 ·

31 May

Impact 3 ·
stockrow.com/BCML · Data as of Oct 25, 2026 · For information only; not investment advice. · © 2026 stockrow.com