Saturday 17 October 2026 Export BCML’s income statement to Excel — free account

Bay Commercial Bank

Bay Commercial Bank’s revenue for fiscal 2025 (year ended December 2025) was $141.5 million, up 2.45% from fiscal 2024. In the quarter to June 2026, revenue fell 3.52%, EPS fell 210.3%, free cash flow fell 19.5% and total debt fell 57.4%, each against the same quarter a year earlier. Dividend growth for five consecutive years, revenue growth for three; insiders bought in the last twelve months.

31.15 0.19 +0.61%

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Market cap: $338.1M
P/E: 26.0×
Fwd P/E: 13.8×
Dividend yield: 3.85%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total buys 1.61

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	2	—	1	3	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 6.96%

Capital & Financial Ratios $m

Market Cap 338.09

Revenue 142.25

Net Income 13.08

Free Cash Flow 26.55

Net Debt (146.49)

Current Ratio 1.04

Debt/Equity 0.09

P/E ratio 25.96

Fwd P/E 13.80

P/S ratio 2.39

P/B ratio 1.01

Past 5Y EPS Growth 13.65%

This Y EPS Growth (6.54%)

Next Y EPS Growth 18.53%

Next Y revenue growth (29.17%)

Next 5Y EPS Growth 10.20%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 99.00%

10-year low 10-year high

P/S against its own 10 years 60.56%

10-year low 10-year high

P/B against its own 10 years 95.02%

10-year low 10-year high

Dividends

Payout Ratio 1.00

Annual Dividend Rate 1.20

Annual Dividend Yield 3.85%

	total	individual payouts
2027	Powerpack
2026	1.20	0.30 0.30 0.30
2025	0.90	0.15 0.20 0.25 0.30
2024	0.55	0.10 0.10 0.10 0.10 0.15
2023	0.40	0.10 0.10 0.10 0.10
2022	0.20	0.05 0.05 0.05 0.05
2021	Powerpack
2020	Powerpack
2019	Powerpack
2018	Powerpack
2017	Powerpack

predictions special payouts not included in total or ratios

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%

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.

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	2.06
’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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	11.56	14.80	17.19	19.74	9.67	14.38	17.52	15.02	18.54	22.22	Analyst estimates 2026–2028 Powerpack
	High	15.00	19.75	26.94	25.00	23.50	19.68	23.54	24.31	30.13	33.15
People
People	Employees	—	—	—	—	315	307	374	358	324	327
	Revenue/emp, $m	0.00	0.00	0.00	0.00	0.30	0.30	0.30	0.37	0.43	0.43
Income, $m
Income, $m	Revenue	31	49	64	86	96	93	113	133	138	141
	Gross margin, %	100.00	100.00	92.27	89.86	90.73	90.52	90.85	78.65	70.62	71.07
	EBT	31	49	20	24	18	28	32	38	32	33
	EBT margin, %	100.00	100.00	32.04	27.51	19.00	30.66	28.66	28.62	23.26	23.05
	Net income	0	0	14	17	14	21	24	27	24	24
	Depreciation	—	—	3	3	4	4	5	3	3	3
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
	Earnings	1.10	0.82	1.50	1.47	1.15	1.90	2.06	2.27	2.10	2.18
	Cash flow	1.17	1.57	0.64	0.59	0.84	0.96	3.02	2.55	2.70	2.90
	Capex	0.00	0.00	(0.10)	0.30	(0.21)	(0.12)	(0.06)	(0.18)	(0.15)	(0.16)
	Free cash flow	1.17	1.57	0.54	0.89	0.62	0.84	2.95	2.38	2.54	2.74
	Book value	14.46	18.46	0.00	21.62	21.11	24.13	24.17	25.91	28.80	30.80
	Shares, m	5	6	10	12	12	11	13	12	11	11
Valuation, ×
Valuation, ×	P/E	13.69	20.05	14.99	15.36	13.19	9.82	9.69	10.36	12.78	13.49
	P/S	2.60	2.84	3.92	3.26	1.89	2.20	2.20	2.11	2.19	2.28
	P/B	0.00	0.00	0.00	1.11	0.72	0.78	0.79	0.90	0.93	0.95
	EV/Sales	2.60	2.84	3.92	(0.09)	(0.51)	(1.15)	1.26	0.34	0.08	0.89
	EV/FCF	0.00	0.00	48.04	(0.49)	(6.56)	(11.69)	3.67	1.57	0.36	4.17
Cash, $m
Cash, $m	Operating cash flow	6	10	6	7	10	10	40	31	30	32
	Capex	0	(4)	(1)	4	(3)	(1)	(1)	(2)	(2)	(2)
	Free cash flow	6	10	5	11	7	9	39	29	29	30
Balance, $m
Balance, $m	Working capital	—	—	—	57	119	68	127	115	97	64
	Total debt	—	11	8	8	77	72	72	72	72	9
	Net debt	—	11	8	(289)	(230)	(311)	(107)	(236)	(292)	(198)
	Shareholders’ equity	78	119	—	254	253	263	317	313	324	339
Returns, %
Returns, %	ROA	0.00	0.00	0.00	1.74	0.66	0.91	0.98	1.08	0.91	0.91
	ROIC	24.83	23.58	160.07	0.00	51.23	0.00	9.64	31.16	61.83	14.48
	ROE	6.00	5.34	9.06	7.61	5.42	8.03	8.19	8.71	7.41	7.22

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TSBK Timberland Bancorp, Inc.	$352.9M	11.4×	—	+4.36% (above 0%: growing)	+10.00% (above 0%: growing)	−24.92% (below 0%: shrinking)	73.48%	0.00%	Compare
FSBW FS Bancorp, Inc.	$350.9M	10.1×	9.4×	+3.60% (above 0%: growing)	+6.00% (above 0%: growing)	+778.44% (above 0%: growing)	69.52%	0.00%	Compare
BRBS Blue Ridge Bankshares, Inc.	$349.1M	37.9×	—	−19.39% (below 0%: shrinking)	n/m	−84.87% (below 0%: shrinking)	59.82%	0.00%	Compare
BCML Bay Commercial Bank	$338.1M	26.0×	13.8×	−3.52% (below 0%: shrinking)	n/m	−19.47% (below 0%: shrinking)	74.74%	0.00%
AVBH Avidbank Holdings Inc.	$337.8M	— (loss-making)	9.1×	+15.59% (above 0%: growing)	−6.49% (below 0%: shrinking)	+148.71% (above 0%: growing)	69.18%	0.00%	Compare
FDBC Fidelity D&D Bancorp Inc.	$336.0M	11.0×	22.8×	+5.91% (above 0%: growing)	+11.67% (above 0%: growing)	+157.33% (above 0%: growing)	70.54%	0.00%	Compare
CFFI C&F Financial Corporation	$334.0M	11.4×	—	+10.31% (above 0%: growing)	+10.97% (above 0%: growing)	+549.86% (above 0%: growing)	78.40%	0.00%	Compare
CBNA Chain Bridge Bancorp, Inc.	$324.9M	12.1×	7.7×	+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.	$321.6M	13.2×	11.7×	+10.02% (above 0%: growing)	+38.89% (above 0%: growing)	−31.74% (below 0%: shrinking)	60.20%	0.00%	Compare
Median of peers	$336.9M	11.4×	9.4×	+7.97%	+10.97%	+148.11%	70.03%	0.00%

All 323 Banks Regional stocks →

Bay Commercial Bank (BCML) key facts

Strength: Bay Commercial Bank’s revenue for fiscal 2025 (year ended December 2025) was $141.5 million, up 2.45% from fiscal 2024.
Bay Commercial Bank (BCML) is a Banks Regional company in the Financial sector, listed on Nasdaq.
As of October 16, 2026, BCML traded at $31.15, a market capitalization of $338.1 million.
Bay Commercial Bank pays an annual dividend of $1.20 per share, a yield of 3.85%, with a payout ratio of 100.0%.
Return on equity was 7.22% and debt-to-equity 0.09.
Its Piotroski F-score is 8 out of 9 for fiscal 2025.