Saturday 17 October 2026
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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. 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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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
Piotroski F-Score |
— | — | — | — | — | 5 | 8 | 7 | 6 | 8 |
P/E ratio |
13.69 | 20.05 | 14.99 | 15.36 | 13.19 | 9.82 | 9.69 | 10.36 | 12.78 | 13.49 |
P/S ratio |
2.60 | 2.84 | 3.92 | 3.26 | 1.89 | 2.20 | 2.20 | 2.11 | 2.19 | 2.28 |
P/FCF ratio |
0.00 | 0.00 | 48.04 | 17.86 | 24.39 | 22.27 | 6.43 | 9.81 | 10.55 | 10.74 |
P/Operating CF |
0.00 | 0.00 | 40.24 | 178.47 | 47.27 | 40.52 | 15.71 | 33.46 | 37.84 | 36.56 |
P/B ratio |
0.00 | 0.00 | 0.00 | 1.11 | 0.72 | 0.78 | 0.79 | 0.90 | 0.93 | 0.95 |
Price to Tangible BV |
0.00 | 0.00 | 0.00 | 1.34 | 0.88 | 0.94 | 0.91 | 1.04 | 1.07 | 1.08 |
EV/Sales |
2.60 | 2.84 | 3.92 | (0.09) | (0.51) | (1.15) | 1.26 | 0.34 | 0.08 | 0.89 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
0.00 | 0.00 | 40.24 | (0.59) | (4.89) | (10.28) | 3.59 | 1.46 | 0.34 | 3.94 |
EV/FCF |
0.00 | 0.00 | 48.04 | (0.49) | (6.56) | (11.69) | 3.67 | 1.57 | 0.36 | 4.17 |
Quick Ratio |
— | — | — | 0.17 | 0.17 | 0.19 | 0.09 | 0.14 | 0.16 | 0.09 |
Current Ratio |
— | — | — | 1.03 | 1.06 | 1.03 | 1.06 | 1.05 | 1.04 | 1.03 |
Net Debt/EBITDA |
— | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
0.00% | 0.00% | 0.00% | 0.41% | 3.49% | 3.06% | 2.87% | 2.84% | 2.72% | 0.34% |
Debt/Equity |
0.00 | 0.09 | 0.00 | 0.03 | 0.30 | 0.27 | 0.23 | 0.23 | 0.22 | 0.03 |
Asset Turnover |
0.00 | 0.00 | 0.00 | 0.09 | 0.05 | 0.04 | 0.05 | 0.05 | 0.05 | 0.05 |
Operating CF/Net income |
1.07 | 1.92 | 0.43 | 0.40 | 0.73 | 0.50 | 1.67 | 1.12 | 1.29 | 1.33 |
Capex/Depreciation |
— | — | (0.40) | 1.07 | (0.58) | (0.29) | (0.18) | (0.64) | (0.52) | (0.56) |
| 6.00% | 5.34% | 9.06% | 7.61% | 5.42% | 8.03% | 8.19% | 8.71% | 7.41% | 7.22% | |
| 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% |
Return on Tangible Assets |
591.20% | 65.75% | 131.75% | 25.78% | 10.23% | 25.21% | 16.89% | 21.36% | 21.48% | 31.10% |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
0.00% | 0.00% | 60.23% | 62.35% | 71.73% | 59.86% | 62.19% | 50.03% | 47.36% | 48.01% |
Intangible Assets out of Total Assets |
0.00 | 0.00 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
0.00% | 0.00% | 1.85% | 1.34% | 1.52% | 1.51% | 0.90% | 0.54% | 0.43% | 0.46% |
Graham Net Nets |
0.00 | 0.00 | 0.00 | 0.10 | 0.14 | (0.10) | 0.13 | 0.08 | 0.02 | 0.11 |
Graham Number |
0.00 | 0.00 | 0.00 | 26.17 | 23.37 | 32.20 | 32.63 | 36.22 | 36.89 | 38.87 |
Earnings Yield |
7.31% | 4.99% | 6.67% | 6.51% | 7.58% | 10.18% | 10.32% | 9.66% | 7.82% | 7.41% |
Free Cash Flow Yield |
0.00% | 0.00% | 2.08% | 5.60% | 4.10% | 4.49% | 15.56% | 10.19% | 9.48% | 9.31% |
Revenue per Share |
5.75 | 7.61 | 6.60 | 7.32 | 8.02 | 8.53 | 8.62 | 11.04 | 12.26 | 12.87 |
Operating CF per Share |
1.17 | 1.57 | 0.64 | 0.59 | 0.84 | 0.96 | 3.02 | 2.55 | 2.70 | 2.90 |
Capex per Share |
0.00 | 0.00 | (0.10) | 0.30 | (0.21) | (0.12) | (0.06) | (0.18) | (0.15) | (0.16) |
Free Cash Flow per Share |
1.17 | 1.57 | 0.54 | 0.89 | 0.62 | 0.84 | 2.95 | 2.38 | 2.54 | 2.74 |
Cash per Share |
0.00 | 0.00 | 0.00 | 25.27 | 25.66 | 35.22 | 13.64 | 25.57 | 32.34 | 18.79 |
Shareholders Equity per Share |
14.46 | 18.46 | 0.00 | 21.62 | 21.11 | 24.13 | 24.17 | 25.91 | 28.80 | 30.80 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
14.46 | 18.46 | 0.00 | 21.62 | 21.11 | 24.13 | 24.17 | 25.91 | 28.80 | 30.80 |
Free Cash Flow |
6.32 | 10.10 | 5.22 | 10.52 | 7.44 | 9.17 | 38.77 | 28.68 | 28.66 | 30.09 |
Working Capital |
— | — | — | 56.64 | 119.02 | 67.70 | 127.18 | 114.65 | 96.57 | 63.73 |
Capital Expenditures |
(0.22) | (4.37) | (1.01) | 3.56 | (2.55) | (1.26) | (0.84) | (2.12) | (1.70) | (1.75) |
Net Current Asset Value |
(597.00) | (1,128.00) | 0.00 | 29.14 | 25.99 | (21.30) | 33.01 | 22.90 | 5.07 | 36.23 |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.00 | 0.00 | 0.02 | (0.04) | 0.03 | 0.01 | 0.01 | 0.02 | 0.01 | 0.01 |
Price to Operating Income |
2.60 | 2.84 | 3.92 | 5.19 | 9.96 | 7.17 | 7.68 | 7.37 | 9.41 | 9.91 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.00 | 0.00 | 0.23 | 0.32 | 0.29 | 0.30 | 0.35 | 0.24 | 0.25 | 0.24 |
Cash ROIC |
8.10% | 7.77% | 65.30% | 1.88% | 1.17% | 1.28% | 6.82% | 4.13% | 3.77% | 5.43% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
— | — | 0.00 | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
— | — | 0.00 | 71,109.92 | 75,403.41 | 82,323.59 | 73,538.77 | 27,349.67 | 20,099.42 | 19,738.09 |
Days of Inventory on Hand |
— | — | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
— | — | — | 920.32 | 1,769.79 | 1,911.82 | 2,035.36 | 2,109.11 | 2,183.38 | 2,223.82 |
Average Assets |
0.00 | 0.00 | 0.00 | 997.09 | 2,094.92 | 2,273.18 | 2,432.02 | 2,532.65 | 2,608.23 | 2,629.09 |
Average Common Equity |
98.50 | 98.50 | 160.00 | 227.61 | 253.41 | 257.60 | 289.88 | 315.01 | 318.62 | 331.46 |
Columns are period end dates